Intesa Sanpaolo SpA
MIL:ISP
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Intesa Sanpaolo SpA
MIL:ISP
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IT |
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N
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Novo Nordisk A/S
F:NOVA
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DK |
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N
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Novo Nordisk A/S
XMUN:NOVA
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DK |
Intrinsic Value
The intrinsic value of Intesa Sanpaolo SpA (ISP) under the Base Case is 5.45 EUR per share.
Compared with the current market price of 5.86 EUR, the stock appears
Overvalued by 7% .
The intrinsic value is calculated using the DCF method. The model assumes Intesa Sanpaolo's revenue drops 30% in 2026, then partly recovers: a 5.8% annual decline over the next five years versus 3% growth over the last five. Repeating its past five-year revenue growth instead would put the estimate at about €8.43.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Intesa Sanpaolo SpA Does
Intesa Sanpaolo is one of Italy’s largest banks. It takes deposits, makes loans, and offers everyday banking services such as payment cards, mortgages, consumer loans, and account management. It also helps businesses with working-capital loans, trade finance, cash management, and other corporate banking services. On top of that, it sells insurance, asset management, and wealth services through its banking network.
- Headquarters
- Italy IT
- Employees
- 89 931
- IPO date
- Jan 1, 2007
Intesa Sanpaolo has no economic moat
Customers can move their money to competing banks, limiting Intesa Sanpaolo’s ability to charge higher fees or offer less attractive interest rates. Italy also supports many established banking rivals, so its large branch network does not keep competitors out.
Read the full moat analysis
The intrinsic value for Intesa Sanpaolo SpA (ISP) under the Base Case is 5.45 EUR.
Compared with the current market price of 5.86 EUR, the stock appears Overvalued by 7% .