` Comparison: ISNPY vs SAN - Alpha Spread
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ISNPY
vs
SAN

Over the past 12 months, ISNPY has underperformed SAN, delivering a return of +46% compared to the SAN's +84% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ISNPY
SAN
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Stocks Compared:
ISNPY SAN
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Valuation Comparison

ISNPY 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
OTC:ISNPY
41.37 USD
Banco Santander SA
MAD:SAN
10.724 EUR
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
ISNPY, SAN

ISNPY
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
ISNPY, SAN

ISNPY
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
OTC:ISNPY
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

ISNPY
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

ISNPY
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

ISNPY
34.2%
SAN
21.3%

FCF Margin

ISNPY
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

ISNPY
14.3%
SAN
14%

ROA

ISNPY
1%
SAN
0.8%

ROIC

ISNPY
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

ISNPY
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

Intesa Sanpaolo SpA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Banco Santander SA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ISNPY, SAN

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ISNPY
SAN
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Performance Gap
ISNPY, SAN

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

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ISNPY
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