Rankings Financial data & insurance broking Intesa Sanpaolo

Intesa Sanpaolo

Financial data & insurance broking · ItalyRank 11 of 829Prices 3 Nov 2026Model 1.470+ zone

15070100

In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.

Biggest deductions

Multiples vs own history−7
Acquisition of MPS−6
Quality of growth−2

Strengths

Dividend and buybacks+3
Raised guidance+1
Credit quality+1

How the score is built

From 100 to 93, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.

100Start

93Score

Hover or select a step to see what drove it. Steps with findings open them below.

Key numbers

As of 3 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.

Price: 5.94 EUR
Median analyst target: 7.60 EUR
Upside to median: +27.9%
Analysts: 13
Target range: 6.07 – 8.00 EUR
52-week change: +6%
P/E (trailing): 10.7
Forward P/E: 9.5
PEG: 1.06

Findings

Every deduction and every plus, with its source. Open a step to read them.

Business

Is the company getting stronger, not just bigger? · 1 finding−2 of −30

Quality of growth
Revenue fell 0.2% in 2025 and is only +3.3% TTM; net interest income rose just 0.6% in H1 2026. The profit improvement (+6.5% to EUR 5.55bn) is carried by fees (+4.9%) and costs (−0.7%), not by lending income.
teleborsa.it
−2

Price

Today's multiples against the company's own history and its peers. · 2 findings−8 of −35

Multiples vs own history
P/B 1.70 vs 0.62–1.57 in 2021–2025 (record) and trailing P/E 12.2 vs 6.2–11.0 (record); dividend yield 5.6% vs 6.6–15.7%. The share price has risen from 1.57 to 6.76 EUR since 2022 (+330%), while EPS has risen from 0.23 to 0.55 (+139%).
stockanalysis.com
−7
Peers
P/B 1.70, P/TBV 1.98 and forward P/E 10.8 at ROE 14.3% vs UniCredit (1.78/1.87/10.7, ROE 15.8%) and Danske Bank (P/B 1.82, P/E 13.0, ROE 13.9%); no discount despite a lower return than UniCredit.
stockanalysis.com
−1

Cracks

Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 1 finding−6 of −35

Acquisition of MPS
Exchange offer for all of Monte dei Paschi at EUR 30.6bn (16 Intesa shares + EUR 1 per MPS share): about 4.9bn new shares (+28%) and about EUR 3bn in cash, about 30% of own market value. Antitrust opened an in-depth investigation on 15 Sept., 635 branches have to be sold to Unipol for 3.5bn, MPS has responded with its own bids for Banco BPM and Banca Generali, and Intesa has complained to Consob. A large, contested integration after many years of discipline.
ansa.it
−6

Plus

Only documented strengths. · 3 findings+5 of +15

Dividend and buybacks
Dividend 6.6bn + buybacks EUR 2.4bn (TTM) = 9.0bn, below net profit of 9.7bn; total shareholder yield 8.5%, and the 2026 distribution is expected at about 9.4bn vs. a guided result of over 10bn.
stockanalysis.com
+3
Raised guidance
Record H1 with 5.55 bn EUR (+6.5%) and operating profit +9.1%; 2026 expectation raised from 'about 10 bn' to 'over 10 bn' EUR.
teleborsa.it
+1
Credit quality
Gross NPL ratio 1.8% and net 0.9% with 50% coverage; about 1,200 companies returned to performing status in H1. The balance sheet has been cleaned up after decades of Italian bad loans.
teleborsa.it
+1

Caveats

What the score does not capture, or where the data is weak.

Bank: EV, ROIC and FCF are not meaningful (stockanalysis' FCF swings between −40 and +102bn due to balance sheet movements); valuation on P/B, P/TBV and P/E, and the payout is held against net profit. The share count is −2.9% over a year, but +1.36% in the latest quarter (issuance of EUR 1.7bn TTM, probably an employee plan), so net buyback is smaller than the gross figure. The share price is affected by the ongoing exchange offer for MPS (16 Intesa shares + EUR 10 in cash per 10 MPS shares); the outcome depends on Antitrust, the ECB and Delfin (17.5% of MPS). CET1, bank tax/IRAP surcharge from the Italian budget law and exposure to Italian government bonds have not been investigated. Q3 results 30 Oct.