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Intesa Sanpaolo S.p.A. ISP.MI

IT · Borsa Italiana · XMIL · stock · Financial Services · website

Intesa Sanpaolo S.p.A. statistics & valuation

Market cap€120.3B
P / E12.9×
P / S4.2×
P / B1.8×
P / FCF18.3×
Net margin32.7%
FCF margin23.1%
Net debt€92.2B
Enterprise value USD$245.3B
Graham number -2.5%€6.71

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (€6.71); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
20.30% 30.40% 31.30% 32.70% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
7.20% 12.10% 13.30% 14.30% 2022202320242025
Shares outstanding
17.50B 17.50B 17.50B 17.50B 2022202320242025
Net debt (€)
-€23.65B €43.30B €96.55B €92.18B 2022202320242025
Share buybacks (€)
€1.12B €1.71B €1.74B €3.46B 2022202320242025
Return on assets (%)
0.40% 0.80% 0.90% 1.00% 2022202320242025
Free cash flow margin (%)
465.70% -74.70% -151.20% 23.10% 2022202320242025
Debt / equity (×)
1.61× 2.22× 2.25× 2.14× 2022202320242025
EPS (€)
€0.23 €0.42 €0.49 €0.54 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Intesa Sanpaolo S.p.A. trades at about 12.8× earnings — above its 10-year norm (10-year range 6.8×–11.1×, median 10.5×).

6.8× 12.8×

Shaded band = 10-year range (6.8×–11.1×); dot = today's 12.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin32.7%31.3%30.4%20.3%
FCF margin23.1%-151.2%-74.7%465.7%
Return on assets1.0%0.9%0.8%0.4%
Return on equity14.3%13.3%12.1%7.2%

Computed from company filings · IT · as of 2025-12-31. Figures in EUR. Facts plus Stocktoria's own computed scores — not investment advice.