0.43%
10.01%
7.50%
12.95%
48.09%
61.66%
88.24%
AI Spotlight on ISP
Company Description
Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy.It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance.The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services.
It also provides consumer credit and E-money; wealth management and private banking services.The company serves individuals, small and medium-sized businesses, non-profit organizations, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers.Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.
Market Data
| Last Price | 4.24 |
| Change Percentage | 0.43% |
| Open | 4.24 |
| Previous Close | 4.22 |
| Market Cap ( Millions) | 75298 |
| Volume | 6743983 |
| Year High | 4.26 |
| Year Low | 2.77 |
| M A 50 | 3.9 |
| M A 200 | 3.73 |
Financial Ratios
| FCF Yield | 2.04% |
| Dividend Yield | 7.60% |
| ROE | 13.52% |
| Debt / Equity | 76.04% |
| Net Debt / EBIDTA | -125.70% |
| Price To Book | 1.14 |
| Price Earnings Ratio | 8.65 |
| Price To FCF | 48.96 |
| Price To sales | 2.81 |
| EV / EBITDA | 17.46 |
News
- Jan -28 - Grenke and Intesa Sanpaolo unveil partnership
- Jan -14 - One of Italy's Largest Banks Buys $1M Worth of Bitcoin: Report
- Dec -20 - Intesa Sanpaolo aids Italian Exhibition Group development
- Nov -29 - EU allocates €160m in funding for Serbian SMEs
- Nov -21 - Intesa Sanpaolo: The eurozone’s leading bank for shareholder value creation
- Nov -14 - Italy’s Intesa Widens Scope of Crypto Desk to Cover Spot Trades
- Nov -12 - Italy’s Intesa, BlackRock enter digital wealth partnership
- Nov -12 - Intesa Sanpaolo and BlackRock to advance digital wealth management
- Nov -11 - Italy's Intesa partners with BlackRock in private banking in Benelux
- Nov -01 - Intesa Sanpaolo (IITSF) Q3 2024 Earnings Call Highlights: Record Net Income and Strategic ...
- Oct -31 - Intesa Sanpaolo reports record Q3 2024 results alongside CEO Carlo Messina’s vision for sustained growth
- Oct -29 - CRC, GoldenTree to Buy Into Intesa CRE-Linked Risk Transfer
- Oct -25 - Intesa Sanpaolo plans 9,000 layoffs in AI shift
- Oct -24 - Intesa Sanpaolo to cut 9,000 jobs in AI-fueled push
- Oct -22 - Data storage in spotlight of Italian security committee after Intesa breach
- Oct -22 - What do we know about the data breach at Intesa Sanpaolo?
- Oct -14 - Meloni’s bank account accessed by ‘disloyal’ rogue employee
- Oct -03 - Italy Aims to Get More Tax Out of Most Profitable Companies
- Oct -01 - Intesa Becomes EU’s Largest Listed Lender After Stock Surge
- Sep -24 - SEC Hits 11 Firms With $88 Million in Penalties for Off-Channel Communications
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banca dei Territori
Expected Growth : 2.5 %
What the company do ?
Banca dei Territori is a division of Intesa Sanpaolo S.p.A. that provides financial services to local communities, supporting economic development and social growth.
Why we expect these perspectives ?
Banca dei Territori's 2.5% growth is driven by increasing lending to SMEs, expansion into underserved regions, and investments in digitalization, enhancing customer experience and operational efficiency. Additionally, the bank's focus on sustainable and social impact initiatives attracts environmentally conscious clients, contributing to its growth momentum.
Segment n°2 -> IMI Corporate & Investment Banking
Expected Growth : 3.5 %
What the company do ?
IMI Corporate & Investment Banking is the corporate and investment banking division of Intesa Sanpaolo, providing financial services to corporate clients, institutional investors, and governments.
Why we expect these perspectives ?
IMI Corporate & Investment Banking's 3.5% growth is driven by increasing demand for M&A advisory services, growth in debt capital markets, and expansion in EMEA region. Additionally, the segment benefits from Intesa Sanpaolo's strong Italian franchise, solid risk management, and cost discipline.
Segment n°3 -> Private Banking
Expected Growth : 2.8 %
What the company do ?
Private Banking from Intesa Sanpaolo S.p.A. offers personalized financial services and investment solutions to high net worth individuals, providing tailored wealth management and exclusive access to financial experts.
Why we expect these perspectives ?
Intesa Sanpaolo's Private Banking growth of 2.8% is driven by increasing wealth management demand, strategic partnerships, and expansion into high-growth markets. Additionally, the bank's strong brand reputation, digital platform enhancements, and tailored investment solutions for high-net-worth individuals contribute to its growth momentum.
Segment n°4 -> International Subsidiary Banks
Expected Growth : 3.2 %
What the company do ?
Intesa Sanpaolo's International Subsidiary Banks operate in 12 countries, providing corporate and investment banking, private banking, and asset management services to clients.
Why we expect these perspectives ?
Intesa Sanpaolo's international subsidiary banks' 3.2% growth is driven by strategic expansion in Central and Eastern Europe, increased cross-border business, and a strong presence in trade finance. Additionally, the bank's digital transformation efforts and cost-cutting initiatives have improved operational efficiency, contributing to the growth.
Segment n°5 -> Insurance
Expected Growth : 2.2 %
What the company do ?
Insurance from Intesa Sanpaolo S.p.A. offers a range of life and non-life insurance products to individuals and businesses in Italy and internationally.
Why we expect these perspectives ?
Intesa Sanpaolo's insurance segment growth of 2.2% is driven by increasing demand for life insurance products, expansion into new markets, and strategic partnerships. Additionally, the company's strong distribution network, digitalization efforts, and diversified product offerings contribute to its growth. Furthermore, the Italian economy's moderate growth and increasing household income also support the segment's expansion.
Segment n°6 -> Corporate Centre
Expected Growth : 1.8 %
What the company do ?
The Corporate Centre of Intesa Sanpaolo S.p.A. is the headquarters that oversees the overall strategy, governance, and management of the banking group.
Why we expect these perspectives ?
Intesa Sanpaolo's Corporate Centre, with a growth rate of 1.8%, is driven by its diversified business model, strong risk management, and solid capital position. The centre's growth is also fueled by its focus on innovation, digital transformation, and strategic investments in key areas such as fintech and sustainable finance.
Segment n°7 -> Asset Management
Expected Growth : 3.8 %
What the company do ?
Intesa Sanpaolo's Asset Management offers investment solutions to individuals, companies, and institutions, managing over €400 billion in assets globally.
Why we expect these perspectives ?
Intesa Sanpaolo's Asset Management segment growth of 3.8% is driven by increasing demand for wealth management services, expansion into new markets, and strategic partnerships. Additionally, the segment benefits from the bank's strong brand reputation, diversified product offerings, and effective cost management. Furthermore, the Italian economy's gradual recovery and growing investor confidence also contribute to the segment's growth.
Intesa Sanpaolo S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Intesa Sanpaolo's retail banking segment offers a range of products and services to individuals, including current accounts, credit cards, personal loans, mortgages, and investment products. |
| Corporate Banking | The corporate banking segment provides financial services to businesses, including cash management, trade finance, and lending solutions. |
| Private Banking | Intesa Sanpaolo's private banking segment offers personalized wealth management services to high net worth individuals, including investment advice, portfolio management, and estate planning. |
| Asset Management | The asset management segment provides investment solutions to institutional and retail clients, including mutual funds, pension funds, and alternative investments. |
| Insurance | Intesa Sanpaolo's insurance segment offers a range of life and non-life insurance products, including life insurance, health insurance, and property insurance. |
| Leasing and Factoring | The leasing and factoring segment provides financing solutions to businesses, including leasing, factoring, and invoice discounting. |
Intesa Sanpaolo S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Intesa Sanpaolo S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers for Intesa Sanpaolo S.p.A. is low due to the lack of negotiating power of individual customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Intesa Sanpaolo S.p.A. is medium due to the presence of multiple suppliers of technology and services.
Threat Of New Entrants
The threat of new entrants for Intesa Sanpaolo S.p.A. is high due to the increasing trend of fintech companies and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry for Intesa Sanpaolo S.p.A. is high due to the presence of multiple competitors in the Italian banking industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 67.22% |
| Debt Cost | 10.57% |
| Equity Weight | 32.78% |
| Equity Cost | 10.57% |
| WACC | 10.57% |
| Leverage | 205.03% |
Intesa Sanpaolo S.p.A. : Quality Control
Intesa Sanpaolo S.p.A. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CBK.DE | Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and … |
| CABK.MC | CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It … |
| BNP.PA | BNP Paribas SA provides a range of banking and financial services in Europe, North America, Asia Pacific, and internationally. The company offers corporate and institutional banking services, such as consulting, … |
| GLE.PA | Société Générale Société anonyme provides banking and financial services to individuals, businesses, and institutional investors in Europe and internationally. It operates through three segments: Retail Banking in France, International Retail … |
| DNB.OL | DNB Bank ASA provides financial services for retail and corporate customers in Norway and internationally. The company offers personal banking products and services, including savings and investment products; loans, such … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Intesa Sanpaolo
A-Score
1-Year Total Return ->
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DNB Bank
A-Score
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BNP Paribas
A-Score
1-Year Total Return ->
4
CaixaBank
A-Score
1-Year Total Return ->
5
Société Générale
A-Score
1-Year Total Return ->
6
