Intesa Sanpaolo S.p.A.
Intesa Sanpaolo S.p.A. Fundamental Analysis
Intesa Sanpaolo S.p.A. (IES.DE) shows strong financial fundamentals with a PE ratio of 9.60, profit margin of 26.73%, and ROE of 14.41%. The company generates $35.0B in annual revenue with strong year-over-year growth of 11.56%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze IES.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakIES.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentIES.DE trades at attractive valuation levels.
Growth Score
ExcellentIES.DE delivers strong and consistent growth momentum.
Financial Health Score
ModerateIES.DE shows balanced financial health with some risks.
Profitability Score
WeakIES.DE struggles to sustain strong margins.
Key Financial Metrics
Is IES.DE Expensive or Cheap?
P/E Ratio
IES.DE trades at 9.60 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, IES.DE's PEG of 1.63 indicates fair valuation.
Price to Book
The market values Intesa Sanpaolo S.p.A. at 1.41 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.17 times EBITDA. This is generally considered low.
How Well Does IES.DE Make Money?
Net Profit Margin
For every $100 in sales, Intesa Sanpaolo S.p.A. keeps $26.73 as profit after all expenses.
Operating Margin
Core operations generate 36.33 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.41 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
IES.DE converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.60
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.63
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.41
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.51
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.90
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.91
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How IES.DE Stacks Against Its Sector Peers
| Metric | IES.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.60 | 18.66 | Better (Cheaper) |
| ROE | 14.41% | 804.00% | Weak |
| Net Margin | 26.73% | 2258.00% | Weak |
| Debt/Equity | 0.90 | 1.03 | Neutral |
| Current Ratio | 0.91 | 662.03 | Weak Liquidity |
| ROA | 1.00% | -24049.00% (disorted) | Weak |
IES.DE outperforms its industry in 1 out of 6 key metrics, 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
32.35%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
100.97%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-979.21%
Industry Style: Value, Dividend, Cyclical
Declining