Intesa Sanpaolo SpA ISP.MI · EUR
Financials · Banks · Borsa Italiana · 🇮🇹 Italy
Euro Stoxx 50
6.35
+2.75%
Close of 9 Nov 2026, in EUR
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At a glance
Figures in EUR, from our data supplier.
Revenue, before interest expense
€27.28bn
FY2016FY2025
Net income
€9.32bn
FY2016FY2025
Total assets
€959.89bn
FY2016FY2025
Shareholders' equity
€65.23bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | €27.28bn | €43.11bn | €37.77bn | €38.86bn | €40.56bn | €41.78bn | €37.23bn | €34.13bn | €32.96bn | €33.36bn |
| Operating income | — | — | — | €6.85bn | — | — | — | — | — | — |
| Net income | €9.32bn | €8.67bn | €7.72bn | €4.38bn | €4.18bn | €3.28bn | €4.18bn | €4.05bn | €7.32bn | €3.11bn |
| Diluted earnings per share | 0.52 | 0.49 | 0.42 | 0.23 | 0.22 | 0.17 | 0.24 | 0.24 | 0.44 | 0.18 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | €959.89bn | €933.28bn | €963.57bn | €974.59bn | €1.07trn | €1.00trn | €816.10bn | €787.79bn | €796.86bn | €725.10bn |
| Cash and short-term investments | — | — | — | €184.05bn | — | — | — | — | — | — |
| Total liabilities | €894.66bn | €868.11bn | €899.61bn | €913.48bn | €1.01trn | €936.74bn | €760.13bn | €733.77bn | €740.66bn | €676.19bn |
| Debt | €57.77bn | €181.68bn | €179.19bn | €131.66bn | €125.16bn | €128.07bn | €144.18bn | €152.15bn | €151.99bn | €146.21bn |
| Shareholders' equity | €65.23bn | €65.18bn | €63.96bn | €61.10bn | €63.77bn | €65.87bn | €55.97bn | €54.02bn | €56.20bn | €48.91bn |
| Shares outstanding | 17,778m | 17,778m | 18,257m | 19,316m | 19,378m | 18,240m | 17,474m | 16,772m | 16,770m | 16,774m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | €7.31bn | €10.16bn | €6.65bn | €9.27bn | €9.77bn | €10.08bn | €11.28bn | €10.90bn |
| Operating income | €4.28bn | €4.13bn | €1.89bn | €3.49bn | €3.81bn | €3.80bn | €1.60bn | €3.55bn |
| Net income | €2.87bn | €3.24bn | €1.97bn | €2.37bn | €2.60bn | €2.62bn | €1.50bn | €2.40bn |
| Diluted earnings per share | 0.16 | 0.18 | 0.11 | 0.13 | 0.15 | 0.15 | 0.08 | 0.14 |
| Total assets | €992.67bn | €968.07bn | €959.89bn | €944.02bn | €943.45bn | €935.13bn | €933.28bn | €949.19bn |
| Cash and short-term investments | €37.18bn | €35.58bn | — | €36.96bn | €49.39bn | €37.45bn | €51.38bn | €56.07bn |
| Debt | — | — | €99.35bn | €102.01bn | €102.89bn | €106.70bn | €110.37bn | €111.86bn |
| Shareholders' equity | €69.02bn | €59.67bn | €65.23bn | €66.98bn | €66.52bn | €66.63bn | €65.18bn | €67.09bn |
Financial ratios
Data as of 9 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|---|
| Operating margin | — | 55.2% | 48.0% | 26.8% | 23.8% | 16.8% | 30.4% |
| Net margin | 32.7% | 33.5% | 33.4% | 19.5% | 18.7% | 10.8% | — |
| Return on equity | 14.3% | 13.3% | 12.1% | 7.1% | 6.6% | 3.3% | — |
| Return on assets | 1.0% | 0.9% | 0.8% | 0.4% | 0.4% | 0.2% | — |
| Revenue growth | 10.4% | 11.6% | 3.1% | 0.3% | 12.9% | 4.8% | — |
| Earnings growth | 7.6% | 12.2% | 76.4% | 4.6% | 94.7% | -48.6% | — |
| Current ratio | — | 0.24x | 0.19x | 65.98x | 64.77x | 43.87x | 18.22x |
| Debt to equity | 2.06x | 2.84x | 2.84x | 1.54x | 1.99x | 2.01x | — |
| Equity ratio | 6.8% | 7.0% | 6.6% | 6.3% | 6.0% | 6.6% | — |
| Interest coverage | — | 0.86x | 0.71x | 1.70x | 2.15x | 1.36x | 1.76x |
| Buybacks as a share of market value | 1.9% | 0.3% | 8.1% | 0.0% | -0.1% | -17.9% | — |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | -11.1% | -8.2% | -3.4% |
| Net income | 28.6% | 23.3% | 13.0% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Net margin | 25.6% | 20.5% | 16.4% | 14.5% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 11.3 | 7.9 | 6.3 | 9.2 | 10.5 | 10.7 | 9.8 | 8.0 | 6.3 | 13.1 |
| Price to sales | 3.9 | 1.6 | 1.3 | 1.0 | 1.1 | 0.8 | 1.1 | 0.9 | 1.4 | 1.2 |
Dividends and splits
Per share, in the currency the company pays
Paid for 5 years. Last went ex-dividend on 18 May 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2019 | FY2018 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 0.19 | 0.357 | 0.322 | 0.234 | 0.153 | 0.199 | 0.197 | 0.08 |
- 1-to-1 reverse split · 19 Apr 2004
- 1-to-1 reverse split · 22 Apr 2003
- 1-to-1 reverse split · 1 Jun 2001
- 1-to-1 reverse split · 2 May 2001
- 2.351-for-1 split · 24 Nov 1997
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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