Intesa Sanpaolo Spa - ADR
ISNPY
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+ FollowMarket Cap$121.48B
Close$
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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$-9.13
122.3% downside
Current Fair Value
122.3% downsideOvervalued by 122.3% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $121.48 Billion |
|---|---|
| Enterprise Value | $146.34 Billion |
| Dividend Yield | $2.61 (6.15%) |
| Earnings per Share | $3.2 |
| Beta | 0.84 |
| Outstanding Shares | 3,031,645,500 |
Return
| Return on Equity | 15.15% |
|---|---|
| Return on Assets | 1.05% |
| Return on Invested Capital | 1.37% |
Valuation & Multiples
| P/E Ratio | 10.92 |
|---|---|
| PEG | 88.61 |
| Price to Sales | 3.73 |
| Price to Book Ratio | 1.86 |
| Enterprise Value to Revenue | 4.25 |
| Enterprise Value to EBIT | 10.73 |
| Enterprise Value to Net Income | 14 |
| Total Debt to Enterprise | 0.42 |
| Debt to Equity | 0.9 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
September 17, 2026
EPS Estimate
$0.96
Average shareholder expectationRevenue Estimate
$7.96 B
Average shareholder expectationNext Earnings Call
Expected Date
October 30, 2026
EPS Estimate
$1.03
Average shareholder expectationRevenue Estimate
$7.90 B
Average shareholder expectationInstitutional 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
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...