Intesa Sanpaolo (ISP) Stock Price, Fundamentals & Analysis

Intesa Sanpaolo (ISP) is one of Italy's largest banks, headquartered in Turin, Italy and listed on the Borsa Italiana. It provides financial products and services across Italy, Central and Eastern Europe, the Middle East, and North Africa, operating through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Banks, Asset Management, Private Banking, and Insurance. Its offering spans lending and deposits, corporate and investment banking, life and non-life insurance, asset and wealth management, and digital banking, serving individuals, small and medium-sized businesses, corporates, public administration, and high net worth clients. The group employs around 89,725 people and belongs to the Financial Services sector, in the Banks - Regional industry. It trades alongside peers such as UniCredit (UCG), BPER Banca (BPE), and Banco BPM (BAMI).

What ISP does

Intesa Sanpaolo is a universal bank: it takes deposits and lends to households and businesses, supports corporates with structured finance and capital market services, and runs insurance, asset management, and private banking arms. Its Banca dei Territori segment covers the retail network across Italian regions, while the international segment extends the group into Central and Eastern Europe, the Middle East, and North Africa. Customers range from non-profit organisations to financial institutions.

Key numbers explained

• The share price stands at 6.79 EUR, up +0.95% today, within a 52-week range of 4.81 – 6.94 and up 21% over the last 52 weeks.
• The market capitalisation — the total value of all shares — is 117.86B EUR.
• The P/E ratio (price divided by earnings per share) is 12.1 on trailing earnings and 10.4 on expected earnings; lower values generally mean investors pay less per unit of current profit.
• Earnings per share over the last 12 months are 0.56 EUR, with a 37% profit margin and 63.9% operating margin.
• The dividend yield — annual dividends as a percentage of the price — is 5.6%, with 68% of earnings paid out as dividends.
• Return on equity is 14.3%, and the price-to-book ratio is 1.74.
• A beta of 0.84 suggests the stock has historically moved somewhat less than the overall market.

What to watch

Bank stocks like ISP are sensitive to interest rate environments, which affect lending margins, and to the health of the Italian and European economies, since loan demand and credit quality follow the economic cycle. Regulatory and capital requirements for European banks, dividend policy decisions, and competition from other Italian financial groups such as Banca Mediolanum (BMED) or FinecoBank (FBK) are recurring themes. The next earnings date is Oct 30, 2026, when updated results are published.