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ISNPY

Intesa Sanpaolo S.p.A.

USD

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Price alert · ISNPY

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39.58 USD -0.46 -1.15%
As of Oct 30, 2026
39.18 Day range 39.60
34.31 52-week range 48.12
YTD
-4.88%
1 year
-0.28%
Open
39.52
Prev close
40.04
Mkt cap
111.76B
Vol
35.05K
Avg vol
196.57K
EPS
3.87
P/E
10.23
More statistics
Low
39.18
High
39.60
Earnings
Sep 3, 2026

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Financial health

Altman Z-Score

0.16 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 2

Valuation

P/E 11.1×
FY 2016: 13.4×FY 2017: 6.3×FY 2018: 8.1×FY 2019: 9.7×FY 2020: 16.1×FY 2021: 10.4×FY 2022: 9.0×FY 2023: 6.3×FY 2024: 8.1×FY 2025: 11.1×
FY 2016 5y median 9.0× FY 2025
P/S 2.3×
FY 2016: 1.8×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.9×FY 2020: 2.5×FY 2021: 1.8×FY 2022: 1.6×FY 2023: 1.2×FY 2024: 1.6×FY 2025: 2.3×
FY 2016 5y median 1.6× FY 2025
P/B 1.8×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 1.1×FY 2025: 1.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 6.0×
FY 2016: -37.0×FY 2017: 59.2×FY 2018: 8.8×FY 2019: 13.8×FY 2020: -9.8×FY 2021: 6.4×FY 2022: 0.4×FY 2023: -2.6×FY 2024: -1.7×FY 2025: 6.0×
FY 2016 5y median 0.4× FY 2025
EV/EBITDA 14.4×
FY 2016: 26.2×FY 2017: 11.4×FY 2018: 12.2×FY 2019: 15.7×FY 2020: 9.0×FY 2021: -0.2×FY 2022: 2.1×FY 2023: 7.4×FY 2024: 12.0×FY 2025: 14.4×
FY 2016 5y median 7.4× FY 2025
EV/Sales 4.5×
FY 2016: 5.2×FY 2017: 3.8×FY 2018: 3.6×FY 2019: 4.9×FY 2020: 3.7×FY 2021: -0.1×FY 2022: 0.6×FY 2023: 2.2×FY 2024: 3.7×FY 2025: 4.5×
FY 2016 5y median 2.2× FY 2025
FCF Yield 16.8%
FY 2016: -2.7%FY 2017: 1.7%FY 2018: 11.4%FY 2019: 7.3%FY 2020: -10.3%FY 2021: 15.6%FY 2022: 250.0%FY 2023: -38.8%FY 2024: -59.8%FY 2025: 16.8%
FY 2016 5y median 15.6% FY 2025

Profitability

Gross Margin 74.5%
FY 2016: 79.8%FY 2017: 85.3%FY 2018: 85.4%FY 2019: 85.1%FY 2020: 100.0%FY 2021: 89.8%FY 2022: 84.8%FY 2023: 62.0%FY 2024: 63.1%FY 2025: 74.5%
FY 2016 5y median 74.5% FY 2025
Operating Margin 28.5%
FY 2016: 15.3%FY 2017: 30.2%FY 2018: 25.1%FY 2019: 25.8%FY 2020: 22.9%FY 2021: 21.3%FY 2022: 23.9%FY 2023: 26.2%FY 2024: 26.9%FY 2025: 28.5%
FY 2016 5y median 26.2% FY 2025
Net Margin 20.6%
FY 2016: 14.8%FY 2017: 28.3%FY 2018: 18.9%FY 2019: 19.0%FY 2020: 22.9%FY 2021: 17.2%FY 2022: 17.2%FY 2023: 18.8%FY 2024: 19.3%FY 2025: 20.6%
FY 2016 5y median 18.8% FY 2025
ROE 16.5%
FY 2016: 6.4%FY 2017: 13.0%FY 2018: 7.5%FY 2019: 7.5%FY 2020: 5.0%FY 2021: 6.6%FY 2022: 7.2%FY 2023: 12.1%FY 2024: 13.3%FY 2025: 16.5%
FY 2016 5y median 12.1% FY 2025
ROIC 1.1%
FY 2016: 0.5%FY 2017: 1.5%FY 2018: 0.8%FY 2019: 2.0%FY 2020: 0.6%FY 2021: -2.9%FY 2022: -2.9%FY 2023: 1.4%FY 2024: 1.7%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025
ROA 1.0%
FY 2016: 0.4%FY 2017: 0.9%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.3%FY 2021: 0.4%FY 2022: 0.4%FY 2023: 0.8%FY 2024: 0.9%FY 2025: 1.0%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 2.7%
FY 2016: -6.2%FY 2017: 23.3%FY 2018: -17.1%FY 2019: 2.5%FY 2020: -35.0%FY 2021: 70.3%FY 2022: 4.4%FY 2023: 61.2%FY 2024: 9.3%FY 2025: 2.7%
FY 2016 FY 2025
Operating Income 8.6%
FY 2016: -21.1%FY 2017: 143.1%FY 2018: -31.1%FY 2019: 5.3%FY 2020: -42.2%FY 2021: 58.1%FY 2022: 17.3%FY 2023: 76.9%FY 2024: 12.2%FY 2025: 8.6%
FY 2016 FY 2025
EPS (diluted) 10.8%
FY 2016: 12.5%FY 2017: 144.4%FY 2018: -45.5%FY 2019: 0.0%FY 2020: -50.0%FY 2021: 83.3%FY 2022: 4.5%FY 2023: 82.6%FY 2024: 14.5%FY 2025: 10.8%
FY 2016 FY 2025
Free Cash Flow 142.1%
FY 2016: -128.8%FY 2017: 172.1%FY 2018: 399.7%FY 2019: -20.1%FY 2020: -221.6%FY 2021: 291.6%FY 2022: 1352.7%FY 2023: -118.9%FY 2024: -120.4%FY 2025: 142.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 18.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.5×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 68.7×FY 2020: 0.2×FY 2021: 0.7×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 2.4×
FY 2016: 2.2×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 1.6×FY 2021: 1.6×FY 2022: 1.6×FY 2023: 2.2×FY 2024: 2.2×FY 2025: 2.4×
FY 2016 5y median 2.2× FY 2025
Net Debt / EBITDA 7.1×
FY 2016: 17.0×FY 2017: 6.4×FY 2018: 7.1×FY 2019: 9.8×FY 2020: 3.0×FY 2021: -6.8×FY 2022: -3.0×FY 2023: 3.5×FY 2024: 6.9×FY 2025: 7.1×
FY 2016 5y median 3.5× FY 2025
Interest Coverage 1.3×
FY 2016: 0.8×FY 2017: 2.1×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 1.3×FY 2021: 2.1×FY 2022: 1.6×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 5.8%
FY 2016: 6.4%FY 2017: 6.8%FY 2018: 10.5%FY 2019: 8.5%FY 2020: 0.0%FY 2021: 9.1%FY 2022: 7.4%FY 2023: 8.8%FY 2024: 8.3%FY 2025: 5.8%
FY 2016 5y median 8.3% FY 2025
Payout Ratio 64.1%
FY 2016: 78.4%FY 2017: 41.1%FY 2018: 85.1%FY 2019: 82.8%FY 2020: 0.4%FY 2021: 96.6%FY 2022: 67.7%FY 2023: 55.6%FY 2024: 67.3%FY 2025: 64.1%
FY 2016 5y median 67.3% FY 2025

Annual · latest fiscal year ends 2025-12-31