Intesa Sanpaolo S.p.A.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Intesa Sanpaolo S.p.A.'s yearly results (2022–2025), compared with companies in Italy. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Growth Efficiency Ratio
€71Sales grew 32% in 3 years; of every extra €100 of sales, €71 became extra profit.
Asset Productivity Ratio
+32% / -2%In 3 years sales changed by +32% while total assets changed by -2%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every €100 the company owns, €99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Tangible Net Worth Ratio
85%Of every €100 of net worth, €85 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Intesa Sanpaolo S.p.A. owes €0.93 for every €1 it owns. Net profit rose 8% in the year to Dec 2025, and grew 29% a year on average over 3 years.
Compared with companies in Italy · latest annual results Dec 2025.
P/E ratio
10.4Investors pay €10.4 for every €1 of Intesa Sanpaolo S.p.A.'s yearly profit.
P/B ratio
1.46The share price is 1.46 times Intesa Sanpaolo S.p.A.'s book value per share.
Market cap
€101.0 BThe total market value of all of Intesa Sanpaolo S.p.A.'s shares at today's price (share price × number of shares). PosiCap size class: Tito Cap.
Net worth (book value)
€69.0 BWhat Intesa Sanpaolo S.p.A. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€3.99Net worth divided by the number of shares. The share price of €5.84 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
14.3%Intesa Sanpaolo S.p.A. earned 14.3% on its shareholders' money over the last year.
Owes vs Owns
0.93×Intesa Sanpaolo S.p.A. owes €0.93 for every €1 it owns (high). Banks and lenders usually show higher figures.
Dividend yield
6.34%Intesa Sanpaolo S.p.A. pays 6.34% of its share price as dividends a year.
Revenue growth
+3%Revenue rose 3% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit growth
+8%Net profit rose 8% in the year to Dec 2025, and grew 29% a year on average over 3 years.
Profit margin
32.7%Intesa Sanpaolo S.p.A. keeps €33 of every €100 of revenue as net profit.
Questions
What is Intesa Sanpaolo S.p.A.'s P/E ratio?
Investors pay €10.4 for every €1 of Intesa Sanpaolo S.p.A.'s yearly profit.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Intesa Sanpaolo S.p.A.: €101.0 B ÷ €69.0 B (30 Jun 2026) = 1.5.
What is Intesa Sanpaolo S.p.A.'s return on equity?
Intesa Sanpaolo S.p.A. earned 14.3% on its shareholders' money over the last year.
How much does Intesa Sanpaolo S.p.A. owe compared with what it owns?
Intesa Sanpaolo S.p.A. owes €0.93 for every €1 it owns (high). Banks and lenders usually show higher figures.
Does Intesa Sanpaolo S.p.A. pay a dividend?
Yes. Intesa Sanpaolo S.p.A. pays 6.34% of its share price as dividends a year.
Is Intesa Sanpaolo S.p.A.'s revenue growing?
Revenue rose 3% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.