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Intrinsic Value

Is ISNPY undervalued or overvalued?

See the intrinsic value estimate for Intesa Sanpaolo SpA and find out whether today’s valuation is cheap or expensive by its own historical standards.

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ISNPY Intrinsic Value
LOCKED
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Today vs. history

ISNPY looks overvalued.
But is it expensive by its own standards?

See how today’s valuation compares with ISNPY’s past valuations and how the stock performed after similar periods.

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Current Price $40.86
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Margin of Safety 20% Locked
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Fundamental Analysis

What Intesa Sanpaolo SpA Does

Banking Financials

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
Read the full company overview
View Company Overview

Intesa Sanpaolo has no economic moat

No Moat Narrow Wide

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

Latest Earnings Call

Q2 2026 · July 29, 2026

Open the earnings call
EPS
€0.16
Expected
€0.15
Surprise
+6.7%
Stock, day of the call
−0.9%
View Earnings Call
Financials
Efficiency

Wall St Price Targets

Capital Returns

Buyback Yield
LOCKED

Competitive Landscape

What is the Intrinsic Value of one ISNPY stock?

The intrinsic value for Intesa Sanpaolo SpA (ISNPY) under the Base Case is hidden USD.

Is ISNPY stock undervalued or overvalued?

Compared with the current market price of 40.86 USD, the stock appears hidden.

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