Intesa Sanpaolo S.p.A.

Intesa Sanpaolo S.p.A.

ISNPY
Intesa Sanpaolo S.p.A.US flagOther OTC
47.54
USD
+1.22
- -
23.32BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.3
6.64
6.62
6.34
8.37
6.56
6.43
7.23
6.78
6.7
8.3
9.34
9.84
10.07
Basic EPS, GAAP
-1.76
0.48
1.04
1.18
2.77
1.45
1.44
1.08
1.3
1.36
2.52
2.92
3.22
3.32
Free Cash Flow per Basic Share
0.9
-0.11
1.36
-0.39
0.31
1.33
1.02
-1.04
2.14
31.2
-6.2
-14.13
2.27
- -
Dividend per Share
0.35
0.33
0.47
0.92
1.14
1.23
1.2
0.01
1.25
0.92
1.4
1.97
2.18
- -
Book Value per Share
2.71
2.66
2.85
2.91
3.35
3.09
3.2
3.4
3.29
3.22
3.5
3.67
3.75
3.91
Tangible Book Value per Share
2.26
2.23
2.42
2.47
2.89
2.57
2.67
2.97
2.81
2.73
2.98
3.11
3.18
3.35
Basic Weighted Avg Shares
2,580
2,585
2,639
2,640
2,640
2,795
2,912
3,040
3,230
3,219
3,062
2,963
2,898
2,905
Sales/Revenue/Turnover
16,255
17,161
17,466
16,743
22,086
18,327
18,737
21,987
21,898
21,565
25,416
27,686
28,529
29,270
Operating Margin (%)
-29.63
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3,212
978
911
931
879
980
1,215
2,377
1,592
1,684
1,657
1,708
1,733
1,766
Net Income, GAAP
-4,550
1,251
2,739
3,111
7,316
4,050
4,182
3,277
4,185
4,379
7,724
8,666
9,321
9,659
Effective Tax Rate (%)
- -
55.76
32.65
31.19
5.94
25.3
27.57
2.67
21.96
27.54
27.86
28.19
26.13
27.38
Profit Margin (%)
-27.99
7.29
15.68
18.58
33.13
22.1
22.32
14.9
19.11
20.31
30.39
31.3
32.67
33
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
148,237
138,351
123,118
106,620
104,338
92,648
95,351
107,154
101,215
98,447
142,127
146,568
139,313
140,229
Total Equity
45,063
45,062
48,593
49,319
56,604
54,350
56,215
66,321
64,066
61,269
64,127
65,321
65,378
69,149
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-9.7
2.8
5.92
6.44
13.92
7.35
7.6
5.38
6.46
7.01
12.35
13.42
14.3
14.25

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17,388
17,388
17,652
Market Capitalization
615,963
550,233
636,418

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
47,135
35,584
44,695
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.25%
-0.23%
0.09%
Free Cash Flow
74.38%
184.01%
-115.73%
Net Income, GAAP
21.42%
25.7%
7.56%
Sales/Revenue/Turnover
5.83%
5.58%
3.04%
Total Cash Common Dividend
985.66%
1,963.7%
8.47%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,919
6,849
6,957
7,569
27,686
2025
6,969
7,181
6,919
7,460
28,529
2026
7,323
7,568
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.76
0.82
- -
0.51
2.92
2025
0.88
0.89
- -
0.6
3.22
2026
0.96
0.95
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.97
2025
- -
- -
- -
- -
2.18
2026
- -
- -
- -
- -
- -

Company Description

CEO
Carlo Messina
Full Time Employees
100,356
Sector
Financial Services
Industry
Banks
Address
Piazza San Carlo, 156 Turin TO Italy 10121
IPO Date
Jan 10, 2007
Business
Intesa Sanpaolo S.p.A. is Italy's leading banking group, providing a comprehensive range of retail, commercial, corporate and investment banking, private banking, asset management, and insurance services to individuals, small and medium-sized enterprises, large corporates, financial institutions, and public entities. Founded through the 2007 merger of Banca Intesa and Sanpaolo IMI and headquartered in Turin with key operations in Milan, the bank operates over 2,800 branches primarily in Italy while maintaining a significant international presence in 25 countries across Central and Eastern Europe, the Middle East, North Africa, Asia, and the United States through subsidiaries such as VÚB Banka in Slovakia, PBZ in Croatia, CIB Bank in Hungary, Bank of Alexandria in Egypt, and Intesa Sanpaolo Bank in Romania, serving approximately 14 million customers in Italy and 7.5 million abroad. Its core offerings span the Banca dei Territori Division for retail, SMEs, and non-profits with services including industrial credit, leasing, factoring, digital banking via Isybank, and proximity services through Mooney; IMI Corporate & Investment Banking for commercial/transaction banking, capital markets, sustainable finance, M&A advisory, equity and debt capital markets, and structured finance; International Subsidiary Banks for commercial banking in emerging markets; Private Banking with Fideuram-Intesa Sanpaolo Private Banking serving high-net-worth individuals; Asset Management via Eurizon with over €300 billion in assets under management; and Insurance through Intesa Sanpaolo Vita, Assicura, and related entities offering life, health, property, and pension products. Recent strategic developments include the May 2024 acquisition of 99.98% of Romanian SME and retail-focused First Bank, merged into Intesa Sanpaolo Bank Romania on November 1, 2025 to bolster Eastern European operations; an expanded partnership with State Street in November 2025 involving the sale of an IT business unit and outsourcing of custody back-office to enhance efficiency and securities services; a €750 million loan agreement with the European Investment Bank in October 2025 to fund renewable energy projects like photovoltaics, wind, and storage mainly in Italy and the EU; ongoing divestment from Russia with subsidiary loans near zero as of September 2025; and technology accelerations such as the cloud-native isytech platform, Fideuram Direct digital wealth management extended via BlackRock collaboration to Belgium and Luxembourg, AI deployment across 117 apps, and Nexi SoftPOS for contactless payments, alongside workforce optimization with nearly 2,450 voluntary exits and 650 young hires by September 2025 toward 9,000 net reductions by 2027.

Company News

  • Intesa Sanpaolo Upgraded As A Bet On Growth And Quality Among EU Banks

  • Italy's Intesa sees 60% of financial benefits from Monte dei Paschi deal in 2028

  • Intesa sees no impact on MPS takeover offer from Consob requests or defence bids, source says

  • Intesa Sanpaolo complains to market watchdog over MPS defensive moves in M&A battle

  • Who controls whom in Italy's latest banking M&A chess game

  • Monte dei Paschi CEO to unveil strategy to fend off Intesa's €36 billion bid

  • MPS CEO weights Banco BPM, Banca Generali bids to fend off Intesa, paper reports

  • Intesa Sanpaolo (OTCMKTS:ISNPY) Hits New 12-Month High – Time to Buy?

  • Italy's Intesa Sanpaolo holds stake in SpaceX worth nearly $1 billion in second quarter

  • Italian PM hopes Intesa's takeover target Monte dei Paschi won't be broken up

  • Monte dei Paschi Weighs Strategic Options as Intesa Circles

  • Italy's Monte dei Paschi beats profit forecasts as it studies alternatives to Intesa's bid

  • Intesa Sanpaolo S.p.A. (ISNPY) Q2 2026 Earnings Call Transcript

  • Intesa Raises 2026 Profit Outlook as It Gears Up for Monte dei Paschi Offer

  • Intesa lifts profit outlook after second quarter net profit tops forecasts

  • Intesa Sanpaolo (OTCMKTS:ISNPY) Hits New 1-Year High – Still a Buy?

  • Head to Head Analysis: DNB Bank ASA (OTCMKTS:DNBBY) & Intesa Sanpaolo (OTCMKTS:ISNPY)

  • Monte dei Paschi says bid premium offered by Intesa is too low

  • Italy's Intesa shifts core IT banking systems to Google's cloud technology

  • Intesa reassured Rome over Generali in talks on Monte Paschi bid, sources say