Intesa Sanpaolo Spa - ADR
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+ FollowMarket Cap$118.03B
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Earnings Call Q4 2025
February 2, 2026 - AI Summary
Record Financial Performance: Intesa Sanpaolo reported a record net income of EUR 9.3 billion for 2025, with significant year-on-year growth in revenue and net income, attributed to a best-in-class cost-income ratio, lowest ever NPL inflows, and strong growth in capital. This marks an 8% increase in net income compared to the previous year.
Ambitious 2026 Forecast: The bank projects a net income of approximately EUR 10 billion for 2026, driven primarily by growth in commissions and insurance income. The forecast includes a maintained common equity Tier 1 (CET1) ratio above 12.5% following a EUR 2.3 billion share buyback announced for July 2025.
Continued Shareholder Returns: Intesa plans to distribute at least 75% of net income as cash dividends annually, alongside a 20% buyback program, leading to a total capital return of EUR 50 billion over the plan period, representing close to 50% of its market capitalization.
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$-7.29
117.8% downside
Current Fair Value
117.8% downsideOvervalued by 117.8% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $118.03 Billion |
|---|---|
| Enterprise Value | $142.89 Billion |
| Annual dividend | $2.61 |
| Dividend yield | 6.09% |
| Earnings per Share | $3.2 |
| Beta | 0.79 |
| Outstanding Shares | 2,942,027,000 |
Return
| Return on Equity | 14.97% |
|---|---|
| Return on Assets | 1.04% |
| Return on Invested Capital | 1.02% |
Valuation & Multiples
| P/E Ratio | 11.03 |
|---|---|
| PEG | -241.13 |
| Price to Sales | 4.11 |
| Price to Book Ratio | 1.79 |
| Enterprise Value to Revenue | 4.48 |
| Enterprise Value to EBIT | 14.08 |
| Enterprise Value to Net Income | 13 |
| Total Debt to Enterprise | 0.43 |
| Debt to Equity | 0.9 |
Revenue Sources
No data
Last Earnings Call
Report Date
November 6, 2026
EPS Estimate
$1.03
Consensus analyst estimateRevenue Estimate
$7.88 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 29, 2027
EPS Estimate
$0.82
Consensus analyst estimateRevenue Estimate
$8.60 B
Consensus analyst estimateInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
About Intesa Sanpaolo Spa
100,356 employees
CEO: Carlo Messina
Headquartered in Turin, Italy, Intesa Sanpaolo S.p.A. delivers a comprehensive array of financial solutions and products, predominantly serving the Italian market. The institution's operations are structured across six key divisions: Ban...