Financials Intesa Sanpaolo S.p.A.

Equities

ISP

IT0000072618

Banks

Market Closed - Borsa Italiana Other stock markets 10:15:00 23/01/2026 pm IST			5-day change	1st Jan Change
5.789 ^EUR	-0.96%		-3.58%	-2.23%

23/01	Milan Stock Exchange Continues Downward Trend, Cautious Market Ahead of Weekend; Nexi Falls, Saipem Rises	RE
23/01	DIARY - Italy to March 31	RE

Projected Income Statement: Intesa Sanpaolo S.p.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	19,023	20,918	21,470	25,138	27,107	27,256	28,024	28,906
Change	-	9.96%	2.64%	17.08%	7.83%	0.55%	2.82%	3.15%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	9,052	9,956	10,536	13,809	15,537	15,881	16,923	17,753
Change	-	9.99%	5.83%	31.06%	12.51%	2.22%	6.56%	4.91%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	5,719	6,668	7,344	12,058	13,736	14,138	14,955	15,566
Change	-	16.59%	10.14%	64.19%	13.92%	2.93%	5.78%	4.08%
Net income ¹	3,277	4,185	4,354	7,724	8,666	9,254	9,891	10,419
Change	-	27.71%	4.04%	77.4%	12.2%	6.78%	6.89%	5.34%
Announcement Date	05/02/21	04/02/22	03/02/23	06/02/24	04/02/25	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	5,290	5,605	5,180	5,092	5,020	5,414	5,347	5,015	5,674	6,057	6,341	6,367	6,373	6,732	6,856	6,802	6,668	6,792	6,997	6,643	6,790	6,944	6,986	-
Change	-	5.95%	-7.58%	-1.7%	-1.41%	7.85%	-1.24%	-6.21%	13.14%	6.75%	4.69%	0.41%	0.09%	5.63%	1.84%	-0.79%	-1.97%	1.86%	3.02%	-5.06%	2.22%	2.27%	0.61%	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	2,278	2,992	2,515	2,454	1,993	2,910	2,735	2,375	2,544	3,521	3,666	3,717	2,905	4,162	4,219	4,066	3,084	4,214	4,333	3,929	3,239	-	-	-
Change	-	31.34%	-15.94%	-2.43%	-18.79%	46.01%	-6.01%	-13.16%	7.12%	38.4%	4.12%	1.39%	-21.85%	43.27%	1.37%	-3.63%	-24.15%	36.64%	2.82%	-9.32%	-17.56%	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	740	2,649	1,691	1,892	434	2,144	2,089	1,838	1,301	3,363	3,381	3,328	1,986	3,930	3,807	3,676	2,316	3,963	3,993	3,614	2,094	-	-	-
Change	-	257.97%	-36.16%	11.89%	-77.06%	394.01%	-2.57%	-12.02%	-29.22%	158.49%	0.54%	-1.57%	-40.32%	97.89%	-3.13%	-3.44%	-37%	71.11%	0.76%	-9.49%	-42.06%	-	-	-
Net income ¹	-3,099	1,516	1,507	983	179	1,024	1,330	930	1,070	1,956	2,266	1,900	1,602	2,301	2,465	2,401	1,499	2,615	2,601	2,372	1,767	2,698	2,813	2,610
Change	-	148.92%	-0.59%	-34.77%	-81.79%	472.07%	29.88%	-30.08%	15.05%	82.8%	15.85%	-16.15%	-15.68%	43.63%	7.13%	-2.6%	-37.57%	74.45%	-0.54%	-8.8%	-25.49%	52.64%	4.26%	-7.21%
Announcement Date	05/02/21	05/05/21	04/08/21	03/11/21	04/02/22	06/05/22	29/07/22	04/11/22	03/02/23	05/05/23	28/07/23	03/11/23	06/02/24	03/05/24	30/07/24	31/10/24	04/02/25	06/05/25	30/07/25	31/10/25	-	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2021 S1	2024 S1	2025 S1
Net sales ¹	10,806	13,588	13,789
Change	-	25.74%	1.48%
EBITDA	-	-	-
Change	-	-	-
EBIT ¹	5,509	8,381	8,547
Change	-	52.13%	1.98%
Charge d'intérêts	-	-	-
Earnings before Tax (EBT) ¹	-	-	7,956
Change	-	-	-
Net income ¹	3,023	4,766	5,216
Change	-	57.66%	9.44%
Announcement Date	04/08/21	30/07/24	30/07/25

¹EUR in Million

Estimates

Forecast Balance Sheet: Intesa Sanpaolo S.p.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	05/02/21	04/02/22	03/02/23	06/02/24	04/02/25	-	-	-

Estimates

Cash Flow Forecast: Intesa Sanpaolo S.p.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	497	430	775	576	334	286
Change	-	-13.48%	80.23%	-25.68%	-42.01%	-14.37%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	20/03/20	27/03/21	23/03/22	27/03/23	24/03/24	27/03/25

¹EUR in Million

Estimates

Forecast Financial Ratios: Intesa Sanpaolo S.p.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	47.58%	47.6%	49.07%	54.93%	57.32%	58.27%	60.39%	61.42%
EBT Margin (%)	-	30.06%	31.88%	34.21%	47.97%	50.67%	51.87%	53.37%	53.85%
Net margin (%)	-	17.23%	20.01%	20.28%	30.73%	31.97%	33.95%	35.29%	36.04%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.36%	0.4%	0.43%	0.8%	0.91%	0.99%	1.02%	1.04%
ROE	-	5.38%	6.46%	6.94%	12.35%	13.42%	14.63%	15.43%	16.08%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.0357	0.151	0.161	0.296	0.341	0.3692	0.4182	0.4511
Change	-	-	322.97%	6.62%	83.85%	15.2%	8.27%	13.28%	7.85%
Book Value Per Share ¹	-	3.397	3.289	3.251	3.373	3.666	3.519	3.639	3.751
Change	-	-	-3.18%	-1.16%	3.74%	8.7%	-4%	3.39%	3.09%
EPS ¹	-	0.18	0.22	0.23	0.42	0.48	0.5261	0.5747	0.6139
Change	-	-	22.22%	4.55%	82.61%	14.29%	9.61%	9.23%	6.82%
Nbr of stocks (in thousands)	-	1,94,04,083	1,93,86,670	1,82,75,995	1,82,41,724	1,77,82,179	1,73,83,618	1,73,83,618	1,73,83,618
Announcement Date	-	05/02/21	04/02/22	03/02/23	06/02/24	04/02/25	-	-	-