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

Over the past 12 months, ISNPY has underperformed UCG, delivering a return of +54% compared to the UCG's +67% growth.

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

ISNPY Intrinsic Value
49.48 USD
Undervaluation 16%
Intrinsic Value
Price
UCG Intrinsic Value
92.44 EUR
Undervaluation 15%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Intesa Sanpaolo SpA
OTC:ISNPY
41.53 USD
UniCredit SpA
MIL:UCG
78.91 EUR
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ISNPY, UCG

ISNPY
UCG
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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
UniCredit SpA
Revenue

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

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Profitability Comparison

Free Cash Flow
ISNPY, UCG

ISNPY
UCG
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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
UniCredit SpA
MIL:UCG
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ISNPY
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

Operating Margin

ISNPY
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

Net Margin

ISNPY
34.2%
UCG
35.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
UniCredit SpA

FCF Margin

ISNPY
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

ROE

ISNPY
14.3%
UCG
20.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
UniCredit SpA

ROA

ISNPY
1%
UCG
1.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
UniCredit SpA

ROIC

ISNPY
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

ROCE

ISNPY
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
Intesa Sanpaolo SpA
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

Solvency Comparison

Intesa Sanpaolo SpA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
UniCredit SpA
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, UCG

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ISNPY
UCG
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ISNPY, UCG

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ISNPY
UCG
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ISNPY, UCG

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ISNPY
UCG
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