Intesa Sanpaolo S.p.A. ISP.MI
Composite 58/100; the shares have moved about 24% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 38/100 — a moderate mark against it.
Momentum ranks 78/100 — a strong point in its favour. Valuation ranks 67/100 — a moderate point in its favour. Quality ranks 61/100 — a slight point in its favour.
Balance-sheet strength ranks 38/100 — a moderate mark against it. Growth ranks 49/100 — a slight mark against it.
What the company does Intesa Sanpaolo S.p.A. (ISP.MI) is a diversified financial services group operating across Italy, Central/Eastern Europe, the Middle East, and North Africa. It serves individuals, SMEs, corporates, and high-net-worth clients through retail banking, corporate & investment banking, asset management, private banking, and insurance.
Key financials ROE 14%, ROA 1%, net margin 36.8%, revenue growth 6%, EPS growth 6.7%. Dividend yield 5.9% with a 66.1% payout ratio. Forward P/E 10.15, PEG 0.70, P/E 11.63, P/B 1.74.
Stock health Momentum: 3m 15.59%, 6m 14.30%, 12m 32.81%. RSI(14) 61.10, -1.65% from 52w high. Sideravia overall score 56.7 (average quality, attractive valuation, positive momentum).
Price vs fair value The stock trades at a **discount** of 29.90% to our fair-value estimate of 8.38 and a **discount** of 8.24% to the 12-month target of 6.98. - Q2 2026 earnings call highlighted record net income and upgraded guidance (GuruFocus.com). - Raised 2026 profit outlook ahead of Monte dei Paschi offer (The Wall Street Journal). - Joined €500M loan for Bending Spoons’ global growth (Simply Wall St.). - Italian family dispute over Ray-Ban fortune may impact valuation perceptions (Bloomberg).
Looking forward Forward P/E of 10.15 and PEG of 0.70 suggest undemanding valuation relative to growth. Dividend yield 5.9% supports income appeal. Momentum indicators remain positive, though RSI suggests near-term consolidation.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.