Intesa Sanpaolo S.p.A.
Intesa Sanpaolo S.p.A. Fundamental Analysis
Intesa Sanpaolo S.p.A. (IITSF) shows strong financial fundamentals with a PE ratio of 12.43, profit margin of 36.38%, and ROE of 14.86%. The company generates $22.6B 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 57.0/100 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 IITSF's fundamental strength across five key dimensions:
Efficiency Score
WeakIITSF struggles to generate sufficient returns from assets.
Valuation Score
ModerateIITSF shows balanced valuation metrics.
Growth Score
ExcellentIITSF delivers strong and consistent growth momentum.
Financial Health Score
ModerateIITSF shows balanced financial health with some risks.
Profitability Score
WeakIITSF struggles to sustain strong margins.
Key Financial Metrics
Is IITSF Expensive or Cheap?
P/E Ratio
IITSF trades at 12.43 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, IITSF's PEG of 2.49 indicates potential overvaluation.
Price to Book
The market values Intesa Sanpaolo S.p.A. at 1.88 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.00 times EBITDA. This is generally considered low.
How Well Does IITSF Make Money?
Net Profit Margin
For every $100 in sales, Intesa Sanpaolo S.p.A. keeps $36.38 as profit after all expenses.
Operating Margin
Core operations generate 48.65 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.86 in profit for every $100 of shareholder equity.
ROA
Intesa Sanpaolo S.p.A. generates $1.03 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
IITSF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.43
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.49
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.88
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.77
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
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How IITSF Stacks Against Its Sector Peers
| Metric | IITSF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.43 | 18.73 | Better (Cheaper) |
| ROE | 14.86% | 847.00% | Weak |
| Net Margin | 36.38% | 2562.00% | Weak |
| Debt/Equity | 0.90 | 0.93 | Neutral |
| Current Ratio | 0.91 | 674.76 | Weak Liquidity |
| ROA | 1.03% | -21692.00% (disorted) | Weak |
IITSF 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