Stock ISPR INT SANPAOLO RISP
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Financials INT SANPAOLO RISP Borsa Italiana

Equities

ISPR

Banks

Delayed Borsa Italiana
Other stock markets
 		5-day change 1st Jan Change
- EUR -.--% Intraday chart for INT SANPAOLO RISP -3.84% -.--%
04-26 Intesa Sanpaolo to Trim Real Estate Assets Via Coima Deal MT
04-26 Italy's Intesa Sanpaolo, Coima sign real estate deal RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 41,083 37,112 44,085 37,978 48,222 64,812 - -
Enterprise Value (EV) 1 41,083 37,112 44,085 37,978 48,222 64,812 64,812 64,812
P/E ratio 9.79 x 10.6 x 10.3 x 9.03 x 6.29 x 7.66 x 7.46 x 7.57 x
Yield 8.18% 1.87% 6.64% 7.75% 11.2% 9.16% 9.41% 9.5%
Capitalization / Revenue 2.27 x 1.95 x 2.11 x 1.77 x 1.92 x 2.5 x 2.5 x 2.49 x
EV / Revenue 2.27 x 1.95 x 2.11 x 1.77 x 1.92 x 2.5 x 2.5 x 2.49 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.73 x 0.56 x 0.69 x 0.64 x 0.78 x 1.08 x 1.01 x 0.98 x
Nbr of stocks (in thousands) 17,493,498 19,404,083 19,386,670 18,275,995 18,241,724 18,256,853 - -
Reference price 2 2.348 1.913 2.274 2.078 2.644 3.550 3.550 3.550
Announcement Date 04/02/20 05/02/21 04/02/22 03/02/23 06/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 18,083 19,023 20,918 21,470 25,138 25,922 25,944 25,995
EBITDA - - - - - - - -
EBIT 1 8,793 9,052 9,956 10,536 13,809 14,369 14,175 13,962
Operating Margin 48.63% 47.58% 47.6% 49.07% 54.93% 55.43% 54.64% 53.71%
Earnings before Tax (EBT) 1 6,593 5,719 6,668 7,344 12,058 12,503 12,302 11,661
Net income 1 4,182 3,277 4,185 4,354 7,724 8,265 8,287 8,028
Net margin 23.13% 17.23% 20.01% 20.28% 30.73% 31.89% 31.94% 30.88%
EPS 2 0.2400 0.1800 0.2200 0.2300 0.4200 0.4637 0.4757 0.4691
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.1920 0.0357 0.1510 0.1610 0.2960 0.3251 0.3340 0.3374
Announcement Date 04/02/20 05/02/21 04/02/22 03/02/23 06/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 10,806 5,092 5,020 5,414 5,347 5,015 5,674 6,057 6,341 6,367 6,373 6,620 6,605 6,491 6,498
EBITDA - - - - - - - - - - - - - - -
EBIT 1 5,509 2,454 1,993 2,910 2,735 2,375 2,544 3,521 3,666 3,717 2,905 3,958 - - -
Operating Margin 50.98% 48.19% 39.7% 53.75% 51.15% 47.36% 44.84% 58.13% 57.81% 58.38% 45.58% 59.79% - - -
Earnings before Tax (EBT) 1 - 1,892 434 2,144 2,089 1,838 1,301 3,363 3,381 3,328 1,986 3,557 - - -
Net income 1 3,023 983 179 1,024 1,330 930 1,070 1,956 2,266 1,900 1,602 2,239 2,621 2,387 1,690
Net margin 27.98% 19.3% 3.57% 18.91% 24.87% 18.54% 18.86% 32.29% 35.74% 29.84% 25.14% 33.82% 39.69% 36.77% 26.01%
EPS 2 - - 0.0100 0.0500 0.0700 0.0500 0.0600 0.1000 0.1300 0.1000 0.0900 0.1237 0.1262 0.1222 0.0952
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 04/08/21 03/11/21 04/02/22 06/05/22 29/07/22 04/11/22 03/02/23 05/05/23 28/07/23 03/11/23 06/02/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 7.6% 5.38% 6.46% 6.94% 12.4% 13.8% 13.1% 12.9%
ROA (Net income/ Total Assets) 0.52% 0.36% 0.4% 0.43% 0.8% 0.84% 0.84% 0.81%
Assets 1 802,687 909,520 1,035,891 1,023,267 969,086 989,162 991,668 991,939
Book Value Per Share 2 3.220 3.400 3.290 3.250 3.370 3.300 3.510 3.600
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 04/02/20 05/02/21 04/02/22 03/02/23 06/02/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for INT SANPAOLO RISP

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
21
Last Close Price
3.55 EUR
Average target price
3.797 EUR
Spread / Average Target
+6.96%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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