Fact based stock research
Intesa Sanpaolo (BIT:ISP)

IT0000072618

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

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Intesa Sanpaolo stock research in summary

intesasanpaolo.com

ANALYSIS: With an Obermatt Combined Rank of 35 (worse than 65% compared with investment alternatives), Intesa Sanpaolo (Diversified Banks, Italy) shares have somewhat below-average financial characteristics compared with similar stocks. Shares of Intesa Sanpaolo are a good value (attractively priced) with a consolidated Value Rank of 69 (better than 69% of alternatives) but show below-average growth (Growth Rank of 41), and are riskily financed (Safety Rank of 27), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 35, is a hold recommendation based on Intesa Sanpaolo's financial characteristics. As the company Intesa Sanpaolo's key financial metrics exhibit good value (Obermatt Value Rank of 69) but low growth (Obermatt Growth Rank of 41) and risky financing practices (Obermatt Safety Rank of 27), it may be a risky investment, because debt in times of crises can make things worse. The good value, better than 69% of comparable companies, may indicate the company's future is challenging. If you believe that low growth is temporary or just due to a specific current event, you may conclude that the good value of the stock provides an attractive investment opportunity. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	69
Growth Rank	41
Safety Rank	27
Combined Rank	35

Country	Italy
Industry	Diversified Banks
Index	EURO STOXX 50, MIB, Dividends Europe, Employee Focus EU, Diversity Europe, Renewables Users, Recycling
Size class	Medium

This stock has achievements: Top 10 Stock.

14-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Intesa Sanpaolo

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	75	70	59	69
GROWTH
GROWTH	35	62	69	41
SAFETY
SAFETY	69	36	55	27
SENTIMENT
SENTIMENT	54	74	99	^new
360° VIEW
360° VIEW	69	74	94	^new

Most recent update of the stock research: 14-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Intesa Sanpaolo is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	75	70	59	69
GROWTH
GROWTH	35	62	69	41
SAFETY
SAFETY	69	36	55	27
COMBINED
COMBINED	69	62	80	35

Last update of combined financial performance: 14-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Intesa Sanpaolo the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 69 (better than 69% compared with alternatives), Intesa Sanpaolo shares are more attractively priced than the majority of comparable stocks. The Value Rank is based on consolidating four value indicators, with three out of four indicators above average for Intesa Sanpaolo. Price-to-Sales (P/S) is 55, which means that the stock price compared with what market professionals expect for future sales is lower than for 55% of comparable companies, indicating a good value concerning Intesa Sanpaolo's revenue size. The same is valid for expected Price-to-Profits (or Price / Earnings, P/E), more favorable than for 71% of alternatives. It is also positive for expected dividend yields with a Dividend Yield rank of 80 (dividends are expected to be higher than 80% of other stocks). But, compared with other companies in the same industry, the Price-to-Book Capital ratio (also referred to as market-to-book ratio) is higher than average, making the stock more expensive. Only 66% of all competitors have an even higher price compared with book capital which puts the Price-to-Capital Rank for Intesa Sanpaolo to 34. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 69, is a buy recommendation based on Intesa Sanpaolo's stock price compared with the company's operational size and dividend yields. A low level of book capital means that the company has a business that is leaner in assets than its competitors. For instance, the company could be leasing its production facilities or be more focussed on intellectual property, such as its brand and software, which is less visible in its book capital. If that is the case, the three good value ranks for Sales, Profits, and Dividends are reliable indicators for the stock price value. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	59	57	49	55
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	62	67	67	71
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	55	54	38	34
DIVIDEND YIELD
DIVIDEND YIELD	96	100	89	80
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	75	70	59	69

Last update of Value Rank: 14-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Intesa Sanpaolo; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 41 (better than 41% compared with alternatives), Intesa Sanpaolo shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with half of the indicators below and half above average for Intesa Sanpaolo. Profit Growth has a rank of 79, which means that currently professionals expect the company to grow its profits more than 79% of its competitors. This is a good sign for shareholders, which is confirmed by an above-average Stock Returns rank of 51 (above 51% of alternative investments). But Sales Growth has a below the median rank of 45, which means that, currently, professionals expect the company to grow less than 55% of its competitors, and Capital Growth also has a lower rank of 19. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 41, is a hold recommendation for growth and momentum investors. Because revenues and invested capital are the more solid growth indicators, the positive development on the profit side is less relevant. It may have been caused by cost-cutting, which may be a negative growth indicator. Finally, the above-average stock returns recently are a thing of the past and not a good indicator of future returns. Investors should be confident that the cost-cutting initiative leading to higher profits is to benefit the company's future. If not, there is little growth momentum, and investment is only advisable if the Value Ranks suggest a good investment timing for Intesa Sanpaolo. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	29	57	44	45
PROFIT GROWTH
PROFIT GROWTH	29	77	73	79
CAPITAL GROWTH
CAPITAL GROWTH	95	19	35	19
STOCK RETURNS
STOCK RETURNS	49	70	83	51
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	35	62	69	41

Last update of Growth Rank: 14-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Intesa Sanpaolo.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 27 (better than 27% compared with alternatives), the company Intesa Sanpaolo has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Intesa Sanpaolo is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Intesa Sanpaolo and the other two below average. Refinancing is at 79, meaning the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 79% of its competitors. But Leverage is high with a rank of 36, meaning the company has an above-average debt-to-equity ratio. It has more debt than 64% of its competitors. Liquidity is also on the riskier side with a rank of 20, meaning the company generates less profit to service its debt than 80% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 27 (worse than 73% compared with alternatives), Intesa Sanpaolo has a financing structure that is riskier than that of its competitors. A good Refinancing Rank means that the problems of the company may not be around the corner. But high Leverage is only good if things go well, and low Liquidity is a signal for caution. The financing signals for Intesa Sanpaolo are on the riskier side, requiring the company's future to be on the safer side. Investors may want to look at Growth and Sentiment ranks before making an investment decision. In the long-term, investors may have a debt challenge with Intesa Sanpaolo and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	58	48	62	36
REFINANCING
REFINANCING	68	81	77	79
LIQUIDITY
LIQUIDITY	50	20	18	20
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	69	36	55	27

Last update of Safety Rank: 14-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Intesa Sanpaolo and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	89	85	^new
OPINIONS CHANGE
OPINIONS CHANGE	40	50	77	^new
PRO HOLDINGS
PRO HOLDINGS	14	74	87	^new
MARKET PULSE
MARKET PULSE	65	47	67	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	54	74	99	^new

Last update of Sentiment Rank: 14-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Intesa Sanpaolo.
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