` Comparison: SAN vs ISP - Alpha Spread

SAN
vs
ISP

Over the past 12 months, SAN has significantly outperformed ISP, delivering a return of +115% compared to the ISP's +40% growth.

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

SAN Intrinsic Value
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ISP Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Banco Santander SA
VSE:SAN
10.73 EUR
Intesa Sanpaolo SpA
MIL:ISP
5.862 EUR
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
SAN, ISP

SAN
ISP
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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
Banco Santander SA
Revenue
Intesa Sanpaolo SpA
Revenue

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

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Profitability Comparison

Free Cash Flow
SAN, ISP

SAN
ISP
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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
Banco Santander SA
VSE:SAN
FCF is not applicable for financial companies
Intesa Sanpaolo SpA
MIL:ISP
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

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

Operating Margin

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

Net Margin

SAN
19.8%
ISP
21.8%

FCF Margin

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

ROE

SAN
13.8%
ISP
13.6%

ROA

SAN
0.7%
ISP
1%

ROIC

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

ROCE

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

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SAN, ISP

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

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

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SAN
ISP
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