` Comparison: ISP vs SAN - Alpha Spread

ISP
vs
SAN

Over the past 12 months, ISP has underperformed SAN, delivering a return of +39% compared to the SAN's +112% growth.

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ISP
SAN
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Stocks Compared:
ISP SAN
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Valuation Comparison

ISP Intrinsic Value
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SAN Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Intesa Sanpaolo SpA
MIL:ISP
5.904 EUR
Banco Santander SA
MAD:SAN
10.622 EUR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ISP, SAN

ISP
SAN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Intesa Sanpaolo SpA
Revenue
Banco Santander SA
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ISP, SAN

ISP
SAN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Intesa Sanpaolo SpA
MIL:ISP
FCF is not applicable for financial companies
Banco Santander SA
MAD:SAN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ISP
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

Operating Margin

ISP
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

Net Margin

ISP
21.8%
SAN
19.8%

FCF Margin

ISP
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

ROE

ISP
13.6%
SAN
13.8%

ROA

ISP
1%
SAN
0.7%

ROIC

ISP
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

ROCE

ISP
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ISP, SAN

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ISP
SAN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ISP, SAN

Performance Gap Between ISP and SAN
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Performance By Year
ISP, SAN

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ISP
SAN
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