Intesa Sanpaolo Spa - ADR

Intesa Sanpaolo Spa - ADR

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Market Cap$19.76B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Intesa Sanpaolo Spa - ADRIntesa Sanpaolo Spa - ADR10.86.32%17%0.62.7

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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$11.47

Current Fair Value

72.8% downside

Overvalued by 72.8% based on the discounted cash flow analysis.

Share Statistics

Market cap$19.76 Billion
Enterprise Value$147.76 Billion
Dividend Yield$2.61 (6.32%)
Earnings per Share$19.08
Beta0.84
Outstanding Shares482,992,500

Return

Return on Equity16.96%ROE
Return on Assets1.05%
Return on Invested Capital1.35%

Valuation & Multiples

P/E Ratio10.82P/E Ratio
PEG147.85PEG
Price to Sales0.56Price to Sales
Price to Book Ratio0.34Price to Book Ratio
Enterprise Value to Revenue4.02
Enterprise Value to EBIT11.28
Enterprise Value to Net Income14
Total Debt to Enterprise1.11
Debt to Equity2.74Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
June 1, 2026
EPS Estimate
$1.07
Average shareholder expectation
Revenue Estimate
$8.34 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 29, 2026
EPS Estimate
$1.02
Average shareholder expectation
Revenue Estimate
$8.21 B
Average shareholder expectation

Institutional Sentiment (Put/Call)

No data available for the latest quarter.

Institutional Ownership

No data available for the latest quarter.

ESG Score

No data

About Intesa Sanpaolo Spa

CEO: Carlo Messina

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the official revenue estimates and technical analysis for all tax legislation, directly influencing corporate tax structures and the overall tax burden on financial markets and institutions like Intesa Sanpaolo Spa.

Finance

This powerful committee controls taxation and trade policy, directly impacting a commercial bank's profitability through corporate tax rates and its international business through trade agreements. It also influences entitlement spending, affecting overall economic stability.

Agriculture, Nutrition, and Forestry

This committee oversees the CFTC and plays a key role in regulating derivatives/futures markets and defining cryptocurrencies as digital commodities, both of which are highly relevant for commercial banks involved in these financial products.

Banking, Housing, and Urban Affairs

This committee is the primary regulator for the financial system, including bank capital requirements, cryptocurrency regulation, and real estate markets. It has direct, significant influence on virtually every aspect of a commercial bank's business.

Select Committee on Intelligence

Members receive classified briefings on global threats, which can include geopolitical instability and cybersecurity risks. Such information is highly material for international financial institutions like Intesa Sanpaolo Spa, affecting operational security and market stability.

Foreign Relations

As a global commercial bank, Intesa Sanpaolo Spa is directly impacted by U.S. foreign policy, sanctions legislation, and sovereign credit risk, all of which fall under this committee's purview and can affect international banking access and operations.