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Home CompaniesIntesa Sanpaolo S.p.A

Intesa Sanpaolo S.p.A

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
6.62 USD -0.12 ( 1.78%)
Last update at 2026-11-03T20:04:00Z
VOLUME
30
Market Cap
135035.52M
P/E
12.14

Momentum Score

…

Intesa Sanpaolo S.p.A. engages in the provision of various financial products and services in Italy, Central/Eastern Europe, the Middle East, and North Africa. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital market services; life and non-life insurance and pension products; asset and wealth management services; private investments; and bancassurance products. It also provides industrial loans, leases, and factoring services, as well as digital banking services. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, and other customers. Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
6.62
Low
6.62
High
52 Week Price Range
5.56
Low
8.09
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Intesa Sanpaolo S.p.A. is Italy's largest banking group providing retail and corporate banking, asset management and insurance across Italy and select international markets. Long-term growth could be supported by digitalization, cost efficiencies, higher fee income and continued reduction of non-performing loans, which may appeal to investors seeking exposure to a major European universal bank.
Principal risks include exposure to Italian sovereign debt and domestic economic slowdown that could impair loan quality and capital ratios, along with regulatory changes, interest-rate volatility and competitive pressure.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
6.74
Dividend Yield
2.44%
Revenue TTM
26131.00M
Revenue Per Share
1.50
Gross Profit TTM
26131.00M
Debt / Equity
3.05
ROE
14.26%
Net Debt
152364.91M
ROCE
1.43%
Diluted EPS TTM
0.64

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 12645.00M 12058.00M 10746.00M 6007.00M 5181.00M
Minority interest -20.00M 7.00M -41.00M -23.00M 141.00M
Net income 9321.00M 8666.00M 7724.00M 4354.00M 4185.00M
Selling general administrative 2176.00M 2716.00M 2979.00M 3162.00M 3252.00M
Selling and marketing expenses 220.00M 207.00M 190.00M 173.00M 154.00M
Gross profit 28529.00M 28294.00M 25416.00M 22467.00M 22401.00M
Reconciled depreciation 1733.00M 1708.00M 1772.00M 1673.00M 1246.00M
Ebit 12645.00M 12058.00M 10746.00M 5984.00M 5323.00M
Ebitda 14378.00M 13766.00M 12403.00M 7657.00M 6903.00M
Depreciation and amortization 1733.00M 1708.00M 1657.00M 1673.00M 1580.00M
Operating income 12645.00M 12058.00M 10746.00M 5984.00M 5323.00M
Other operating expenses 26332.00M 32748.00M 30259.00M 13746.00M 14508.00M
Interest expense 10444.09M 16512.00M 15589.00M 3547.00M 2480.00M
Tax provision 3304.00M 3399.00M 2681.00M 1630.00M 1622.00M
Interest income 27758.00M 34602.00M 26164.00M 13232.00M 7966.00M
Net interest income 17310.00M 18090.00M 13847.00M 9685.00M 7966.00M
Income tax expense 3304.00M 3399.00M 2994.00M 1630.00M 1138.00M
Total revenue 38977.00M 44806.00M 41005.00M 22467.00M 22401.00M
Total operating expenses 15884.00M 16236.00M 14670.00M 13746.00M 14508.00M
Cost of revenue 12212.42M 16512.00M 15589.00M - -
Total other income expense net -170.94M -1361.00M -1657.00M 23.00M -142.00M
Discontinued operations - - - - 58.00M
Net income from continuing ops 9341.00M 8659.00M 7214.00M 4377.00M 5046.00M
Net income applicable to common shares - - - 4354.00M 4185.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 959527.48M 933285.00M 963570.00M 975683.00M 1069003.00M
Intangible assets 6301.64M 6163.00M 5852.00M 6204.00M 5768.00M
Other current assets -99670.08M -521.00M -10077.00M 6065.00M 128304.00M
Total liab 901875.09M 867964.00M 899443.00M 913862.00M 1004937.00M
Total stockholder equity 65201.57M 65176.00M 63963.00M 61655.00M 63775.00M
Other current liab -1833.00M 422315.00M 425363.00M -1884.00M -2272.00M
Common stock 10365.12M 10369.00M 10369.00M 10369.00M 10084.00M
Capital stock 10369.00M 10369.00M 10369.00M 10369.00M 10084.00M
Retained earnings 26385.11M 5644.00M 5095.00M 2954.00M 2786.00M
Other liab - - - 113077.00M 134761.00M
Good will 3697.61M 3697.00M 3672.00M 3626.00M 3574.00M
Other assets 920609.07M 933285.00M -377655.00M 676927.00M 730854.00M
Cash 46551.56M 51375.00M 98831.00M 123845.00M 147094.00M
Total current liabilities 72471.85M 427119.00M 427508.00M 1884.00M 2272.00M
Current deferred revenue - - -38645.00M - -
Net debt 152364.91M 95198.00M 43296.00M -27706.00M -45880.00M
Short term debt 72471.85M - 38645.00M - -
Short long term debt total 198916.47M 146573.00M 142127.00M 96139.00M 101214.00M
Other stockholder equity 24030.00M 49163.00M 48499.00M 48332.00M 50905.00M
Property plant equipment - - - 9735.00M 9994.00M
Total current assets 38918.42M 100395.00M 99347.00M 124305.00M 147165.00M
Long term investments 404181.00M 374031.00M 352711.00M 155757.00M 163454.00M
Net tangible assets - - - 51825.00M 54433.00M
Short term investments 69558.94M 48499.00M -11418.00M - -
Net receivables 22478.00M 521.00M 516.00M 460.00M 71.00M
Inventory - - 88754.00M - -
Accounts payable 1833.00M 1752.00M 1687.00M 1884.00M 2272.00M
Accumulated other comprehensive income -3279.77M - 6925.00M - -
Non currrent assets other 448875.74M 788208.00M 403608.00M -174451.00M -190984.00M
Non current assets total 921673.67M 832890.00M 864223.00M 174451.00M 190984.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -1247.00M -588.00M -538.00M -50.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -35326.76M -1247.00M -588.00M -538.00M -2226.00M
Total cash from financing activities 13950.77M -7188.00M -5592.00M -3518.00M -5593.00M
Change to operating activities - - - 74484.00M 2121.00M
Net income 9317.51M 8659.00M 7724.00M 4377.00M 4043.00M
Change in cash -2779.00M -48737.00M -23654.00M 98168.00M 1023.00M
Begin period cash flow 40533.00M 89270.00M 112924.00M 14756.00M 13733.00M
End period cash flow 37868.00M 40533.00M 89270.00M 112924.00M 14756.00M
Total cash from operating activities 18598.03M -40187.00M -17338.00M 102276.00M 8805.00M
Issuance of capital stock - 355.00M 417.00M 616.00M -
Depreciation 1733.00M 1708.00M 1657.00M 1512.00M 951.00M
Other cashflows from investing activities -16516.81M -1247.00M -542.00M 79.00M 48.00M
Dividends paid 6321.63M 5830.00M 4293.00M -2966.00M -4041.00M
Sale purchase of stock -3462.70M -1736.00M -1709.00M -1118.00M -1538.00M
Other cashflows from financing activities 23735.11M 23.00M -7.00M -50.00M -14.00M
Change to netincome - - - 5303.00M 5090.00M
Capital expenditures 275.90M 1669.00M 1655.00M 1848.00M 1892.00M
Change in working capital 6718.48M -52663.00M -28077.00M 91107.00M -2049.00M
Stock based compensation - - 158.00M - -
Other non cash items 2562.04M 2109.00M 1358.00M 6792.00M 6811.00M
Free cash flow 18322.13M -41856.00M -18993.00M 100428.00M 6913.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
IITSF
Intesa Sanpaolo S.p.A		 -0.12
1.78%		 6.62 12.14 10.32 5.17 1.69 7.20
DBSDY
DBS Group Holdings Ltd ADR		 -2.95
1.31%		 221.60 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.72
2.15%		 33.05 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 1.29
1.58%		 82.76 11.53 10.27 5.72 1.83 8.22

Profile*

Intesa Sanpaolo S.p.A

Intesa Sanpaolo S.p.A. engages in the provision of various financial products and services in Italy, Central/Eastern Europe, the Middle East, and North Africa. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital market services; life and non-life insurance and pension products; asset and wealth management services; private investments; and bancassurance products. It also provides industrial loans, leases, and factoring services, as well as digital banking services. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, and other customers. Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.

Piazza San Carlo, 156, Turin, TO, Italy, 10121

39 01 15551

https://www.intesasanpaolo.com

89725

Name Title Year Born
Mr. Carlo Messina MD, CEO, GM & Exec. Director 1962
Mr. Stefano Del Punta Group Chief Financial Officer 1960
Ms. Paola Angeletti Chief Operating Officer 1964
Mr. Massimo Proverbio Chief IT, Digital & Innovation Office 1958
Fabrizio Dabbene Head of Admin. & Tax Department and Mang. NA
Mr. Andrea Tamagnini Head of Investor Relations NA
Ms. Elisabetta Lunati Head of Legal Affairs NA
Mr. Piero Franco Maria Boccassino Chief Compliance Officer NA
Mr. Stefano Lucchini Chief Institutional Affairs & External Communication Officer 1962
Mr. Francesco De Francesco Head of HR & Organisation NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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