Intesa Sanpaolo S.p.A.

Intesa Sanpaolo S.p.A.

ISNPY
Intesa Sanpaolo S.p.A.US flagOther OTC
43.56
USD
+0.42
- -
21.36BMarket Cap
Intesa Sanpaolo S.p.A.
ISNPY
(Other OTC)

Recent

price

43.56

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.43
7.15
6.93
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
9.92
Revenue per Share
1.37
-3.57
0.62
-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
3.25
Basic EPS, GAAP
-1.78
-2.7
0.82
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
- -
Free Cash Flow per Basic Share
0.57
0.47
0.34
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
- -
Dividend per Share
4.74
0.16
3.93
1.55
3.86
4.35
4.49
6.08
4.7
4.56
4.39
4.42
4.58
5.91
6.42
6.79
4.51
Book Value per Share
14.49
14.25
13.63
14.57
14.63
15.69
15.88
18.51
16.17
16.14
19.12
16.94
16.16
17.83
18.72
19.11
20.23
Tangible Book Value per Share
1,974
2,296
2,582
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
2,911
Basic Weighted Avg Shares
16,646
16,409
17,884
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
28,883
Sales/Revenue/Turnover
- -
- -
- -
-29.63
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,138
1,104
1,179
3,212
978
911
931
879
980
1,215
2,377
1,592
1,684
1,657
1,708
1,733
1,768
Depreciation Expense
2,705
-8,190
1,605
-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
9,467
Net Income, GAAP
35.68
- -
44.25
- -
55.76
32.65
31.19
5.94
25.3
27.57
2.67
21.96
27.54
27.86
28.19
26.13
26.93
Effective Tax Rate (%)
16.25
-49.91
8.97
-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
32.78
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
197,637
175,338
173,654
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
93,887
LT Debt
54,600
47,758
49,906
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
68,724
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
28.77
-168.73
30.55
-64.32
17.91
25.54
26.69
52.46
27.76
31.68
24.61
30.29
30.18
47.04
46.68
48.14
72.51
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17,434
17,388
17,388
Market Capitalization
99,950
103,908
92,133

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
36,957
47,135
35,584
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
- -
- -
- -
- -

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
0.95
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

APIChatGPT
  • 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

  • Intesa attempts to strengthen Italian banking leadership with MPS bid

  • Intesa shareholder Compagnia di San Paolo backs bank's bid for MPS, daily reports

  • Intesa's MPS bid bears Messina's trademarks: quiet preparation, trusted allies

  • Italy's banking shake-up: all the M&A deals since 2025

  • Intesa CEO says bank took Generali stake to pre-empt defensive moves

  • Bidding war erupts for world's oldest bank as Italy's Intesa gatecrashes BPM offer

  • Italy banking shake-up: Intesa moves for MPS after Banco BPM approach

  • Intesa's board backs buying 3% Generali stake as part of MPS offer

  • Intesa launches bid to acquire all shares of Italy's MPS

  • Intesa Sanpaolo: On Track To Meet Medium-Term Financial Targets

  • Italy's Intesa among bidders for Spanish private bank Singular, sources say

  • Intesa: A Great Income Play Following Q1 2026 Earnings

  • Intesa Sanpaolo posts record Q1 profit, driven by Wealth Management

  • Italy's Dolomiti Energia picks Intesa, Goldman Sachs to lead potential IPO, sources say

  • Italy data protection agency fines Intesa Sanpaolo $36 mln over data breach

  • Italy fines Intesa Sanpaolo 18 mln euros for illicit processing of customer data

  • Intesa Sanpaolo to adopt BlackRock's Aladdin Wealth for International Banks unit