Intesa Sanpaolo S.p.A. Fundamental Analysis
Intesa Sanpaolo S.p.A. (ISNPY) shows moderate financial fundamentals with a PE ratio of 1.69, profit margin of 38.16%, and ROE of 15.53%. The company generates $25.6B in annual revenue with weak year-over-year growth of -39.49%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -9.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ISNPY's fundamental strength across five key dimensions:
Efficiency Score
WeakISNPY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentISNPY trades at attractive valuation levels.
Growth Score
ModerateISNPY shows steady but slowing expansion.
Financial Health Score
WeakISNPY carries high financial risk with limited liquidity.
Profitability Score
ModerateISNPY maintains healthy but balanced margins.
Key Financial Metrics
Is ISNPY Expensive or Cheap?
P/E Ratio
ISNPY trades at 1.69 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ISNPY's PEG of 0.02 indicates potential undervaluation.
Price to Book
The market values Intesa Sanpaolo S.p.A. at 0.27 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -7.58 times EBITDA. This is generally considered low.
How Well Does ISNPY Make Money?
Net Profit Margin
For every $100 in sales, Intesa Sanpaolo S.p.A. keeps $38.16 as profit after all expenses.
Operating Margin
Core operations generate 52.95 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.53 in profit for every $100 of shareholder equity.
ROA
Intesa Sanpaolo S.p.A. generates $1.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Intesa Sanpaolo S.p.A. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Intesa Sanpaolo S.p.A. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
ISNPY converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.69
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.02
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.27
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.65
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.74
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How ISNPY Stacks Against Its Sector Peers
| Metric | ISNPY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.69 | 19.38 | Better (Cheaper) |
| ROE | 15.53% | 804.00% | Weak |
| Net Margin | 38.16% | -7623.00% (disorted) | Strong |
| Debt/Equity | 2.74 | 1.07 | Weak (High Leverage) |
| Current Ratio | 0.00 | 609.22 | Weak Liquidity |
| ROA | 1.00% | -20946.00% (disorted) | Weak |
ISNPY outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Intesa Sanpaolo S.p.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
13.82%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
208.81%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
100.00%
Industry Style: Value, Dividend, Cyclical
High Growth