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BIT/ISP (BIT/ISP)

Borsa Italiana: BIT/ISP · EUR

€5.99

-0.03 (-0.5%)· Recorded snapshot

Market cap	103.6B
Revenue (ttm)	26.1B
Net income (ttm)	9.7B
EPS (ttm)	€0.55
Shares out	17.3B
P/E (trailing)	10.8x
P/E (forward)	9.6x
Dividend	€0.38 (6.34%)
Volume	28,370,299
Beta	0.86

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	EUR
Country	Italy
Country code	IT
Earnings date	2026-11-03
Employees	89,725
Employees change	-2,100
Employees growth	-2.29%
Exchange	Borsa Italiana
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1998
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	IT0000072618
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Last stock split date	1997-11-24
Last stock split type	Forward
Market cap	EUR 103.6B
Next earnings date	2026-11-03
Price	EUR 5.99
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	bit/ISP
Website	https://www.intesasanpaolo.com

Metric

Value

Amount currency

EUR

Country

Italy

Country code

Earnings date

2026-11-03

Employees

89,725

Employees change

-2,100

Employees growth

-2.29%

Exchange

Borsa Italiana

Financial currency

EUR

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1998

Industry

Banks - Regional

Is primary listing

Yes

ISIN number

IT0000072618

Last earnings date

2026-07-29

Last refreshed

2026-10-28

Last stock split date

1997-11-24

Last stock split type

Forward

Market cap

EUR 103.6B

Next earnings date

2026-11-03

Price

EUR 5.99

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-28

Symbol

bit/ISP

Website

https://www.intesasanpaolo.com

Metric	Value
Adjusted P/E ratio	10.77x
Average P/E ratio (10Y)	10.11x
Average P/E ratio (3Y)	8.69x
Average P/E ratio (5Y)	11.04x
Earnings yield	9.26%
FCF yield	3.37%
Forward P/E	9.64x
Graham number	6.98758
Graham upside	16.87%
Industry forward P/E	10.58x
Industry P/E	11.38x
Lynch fair value	EUR 11.62
Lynch upside	94.32%
P/B ratio	1.51x
P/E ratio	10.79x
P/FCF ratio	29.68x
P/OCF ratio	27.56x
P/S ratio	3.99x
PEG ratio	1.07x
Price / tangible book value	1.76x
Sector forward P/E	10.82x
Sector P/E	11.69x

Metric

Value

Adjusted P/E ratio

10.77x

Average P/E ratio (10Y)

10.11x

Average P/E ratio (3Y)

8.69x

Average P/E ratio (5Y)

11.04x

Earnings yield

9.26%

FCF yield

3.37%

Forward P/E

9.64x

Graham number

6.98758

Graham upside

16.87%

Industry forward P/E

10.58x

Industry P/E

11.38x

Lynch fair value

EUR 11.62

Lynch upside

94.32%

P/B ratio

1.51x

P/E ratio

10.79x

P/FCF ratio

29.68x

P/OCF ratio

27.56x

P/S ratio

3.99x

PEG ratio

1.07x

Price / tangible book value

1.76x

Sector forward P/E

10.82x

Sector P/E

11.69x

Metric	Value
Effective tax rate	27.38%
FCF margin	13.43%
Operating margin	59.05%
Pretax margin	51.03%
Profit margin	36.96%
Profit per employee	EUR 107,651
Profitable quarters	22
Profitable years	12
Revenue per employee	EUR 291,234
ROA	1%
ROA (5Y)	0.7%
ROE	14.26%
ROE (5Y)	10.65%
Tax / revenue	13.97%

Metric

Value

Effective tax rate

27.38%

FCF margin

13.43%

Operating margin

59.05%

Pretax margin

51.03%

Profit margin

36.96%

Profit per employee

EUR 107,651

Profitable quarters

Profitable years

Revenue per employee

EUR 291,234

ROA

ROA (5Y)

0.7%

ROE

14.26%

ROE (5Y)

10.65%

Tax / revenue

13.97%

Metric	Value
EPS growth	10.23%
EPS growth (Q)	13.93%
EPS growth (QoQ)	-0.19%
EPS growth 10Y	14.32%
EPS growth 3Y	18.74%
EPS growth 5Y	23.32%
EPS growth quarters	3
EPS growth years	5
FCF growth 3Y	-62.93%
FCF growth 5Y	-6.84%
Net income growth	5.96%
Net income growth (Q)	7.38%
Net income growth (QoQ)	1.16%
Net income growth 3Y	15.59%
Net income growth 5Y	20.93%
Net income growth quarters	3
Net income growth years	5
OCF growth 3Y	-62.1%
OCF growth 5Y	-6.98%
Revenue growth	3.29%
Revenue growth (Q)	6.4%
Revenue growth (QoQ)	3.59%
Revenue growth 10Y	6.92%
Revenue growth 3Y	8.31%
Revenue growth 5Y	8.89%
Revenue growth quarters	2
Revenue growth years	0

Metric

Value

EPS growth

10.23%

EPS growth (Q)

13.93%

EPS growth (QoQ)

-0.19%

EPS growth 10Y

14.32%

EPS growth 3Y

18.74%

EPS growth 5Y

23.32%

EPS growth quarters

EPS growth years

FCF growth 3Y

-62.93%

FCF growth 5Y

-6.84%

Net income growth

5.96%

Net income growth (Q)

7.38%

Net income growth (QoQ)

1.16%

Net income growth 3Y

15.59%

Net income growth 5Y

20.93%

Net income growth quarters

Net income growth years

OCF growth 3Y

-62.1%

OCF growth 5Y

-6.98%

Revenue growth

3.29%

Revenue growth (Q)

6.4%

Revenue growth (QoQ)

3.59%

Revenue growth 10Y

6.92%

Revenue growth 3Y

8.31%

Revenue growth 5Y

8.89%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	EUR -270M
EPS	EUR 0.55
FCF per share	EUR 0.20
Financing cash flow	EUR -7.3B
Free cash flow	EUR 3.5B
Gross profit	EUR 26.1B
Income taxes	EUR 3.7B
Investing cash flow	EUR -1.1B
Net cash flow	EUR -4.7B
Net income	EUR 9.7B
Operating income	EUR 15.4B
Revenue	EUR 26.1B

Metric

Value

Capital expenditures

EUR -270M

EPS

EUR 0.55

FCF per share

EUR 0.20

Financing cash flow

EUR -7.3B

Free cash flow

EUR 3.5B

Gross profit

EUR 26.1B

Income taxes

EUR 3.7B

Investing cash flow

EUR -1.1B

Net cash flow

EUR -4.7B

Net income

EUR 9.7B

Operating income

EUR 15.4B

Revenue

EUR 26.1B

Metric	Value
Book value per share	EUR 3.91
Debt / equity	3.84
Debt / FCF	75.68
Goodwill	EUR 3.7B
Net cash (debt)	EUR -127.9B
Net cash / market cap	-122.85%
Net debt / equity	1.85
Net debt / FCF	36.46
Piotroski F-Score	3
Property, plant and equipment	EUR 8.5B
Shareholders' equity	EUR 69.1B
Tangible book value	EUR 59.2B
Tangible book value per share	EUR 3.35
Total assets	EUR 992.7B
Total cash	EUR 137.6B
Total debt	EUR 265.6B
Total liabilities	EUR 923.5B
WACC	2.53%

Metric

Value

Book value per share

EUR 3.91

Debt / equity

3.84

Debt / FCF

75.68

Goodwill

EUR 3.7B

Net cash (debt)

EUR -127.9B

Net cash / market cap

-122.85%

Net debt / equity

1.85

Net debt / FCF

36.46

Piotroski F-Score

Property, plant and equipment

EUR 8.5B

Shareholders' equity

EUR 69.1B

Tangible book value

EUR 59.2B

Tangible book value per share

EUR 3.35

Total assets

EUR 992.7B

Total cash

EUR 137.6B

Total debt

EUR 265.6B

Total liabilities

EUR 923.5B

WACC

2.53%

Metric	Value
Working capital	EUR -441.8B

Metric

Value

Working capital

EUR -441.8B

Metric	Value
Buyback yield / dilution	2.9%
Dividend growth	10.26%
Dividend growth (10Y)	10.38%
Dividend growth (3Y)	31.89%
Dividend growth (5Y)	60.14%
Dividend growth years	3
Dividend payment date	2026-05-20
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 0.38
Dividend yield	6.34%
Ex-dividend date	2026-05-18
FCF payout ratio	185.29%
Last dividend	EUR 0.19
Payout ratio	68.46%
Shareholder yield	9.26%

Metric

Value

Buyback yield / dilution

2.9%

Dividend growth

10.26%

Dividend growth (10Y)

10.38%

Dividend growth (3Y)

31.89%

Dividend growth (5Y)

60.14%

Dividend growth years

Dividend payment date

2026-05-20

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

EUR 0.38

Dividend yield

6.34%

Ex-dividend date

2026-05-18

FCF payout ratio

185.29%

Last dividend

EUR 0.19

Payout ratio

68.46%

Shareholder yield

9.26%

Metric	Value
10Y price change	172.27%
10Y return CAGR	18.22%
10Y total return	433.07%
150-day SMA	EUR 6.18
15Y price change	325.73%
15Y return CAGR	16.64%
15Y total return	906.73%
1D price change	-0.53%
1M price change	-11.76%
1M total return	-11.76%
1W price change	-0.05%
1W total return	-0.05%
1Y price change	7.71%
1Y return CAGR	15.23%
1Y total return	15.22%
20-day SMA	EUR 6.13
200-day SMA	EUR 6.04
20Y price change	13.88%
20Y return CAGR	6.63%
20Y total return	261.2%
3M price change	-7.9%
3M total return	-7.9%
3Y price change	151.89%
3Y return CAGR	47.55%
3Y total return	221.31%
50-day SMA	EUR 6.50
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 6.94
52-week high date	2026-08-17
52-week low	EUR 4.81
52-week low date	2026-03-23
5Y price change	144.19%
5Y return CAGR	29.16%
5Y total return	259.35%
6M price change	5.63%
6M total return	9.24%
All-time high	EUR 6.94
All-time high date	2026-08-17
All-time low	EUR 0.79
All-time low date	1996-10-16
Average true range (ATR)	EUR 0.14
Average volume	49.9M
Beta (1Y)	1.24
Beta (2Y)	1.17
Beta (5Y)	0.86
Change from 52-week high	-13.65%
Change from 52-week low	24.43%
Change from all-time high	-13.65%
Change from all-time low	654.03%
Change from open	-0.83%
Day's gap	0.33%
Dollar volume	EUR 169.9M
High price	EUR 6.05
Low price	EUR 5.96
Monthly RSI	60.61
Open price	EUR 6.04
Position in 52-week range	33.33%
Previous close	EUR 6.02
Price vs 150-day SMA	-3.07%
Price vs 20-day SMA	-2.27%
Price vs 200-day SMA	-0.76%
Price vs 50-day SMA	-7.82%
Relative volume	0.57
RSI	38.9
Sharpe ratio	0.46
Sharpe ratio (3Y)	1.54
Sharpe ratio (5Y)	0.92
Sortino ratio	0.88
Sortino ratio (3Y)	2.46
Sortino ratio (5Y)	1.48
Volume	28.4M
Weekly RSI	44.65
YTD price change	1.17%
YTD total return	4.63%

Metric

Value

10Y price change

172.27%

10Y return CAGR

18.22%

10Y total return

433.07%

150-day SMA

EUR 6.18

15Y price change

325.73%

15Y return CAGR

16.64%

15Y total return

906.73%

1D price change

-0.53%

1M price change

-11.76%

1M total return

-11.76%

1W price change

-0.05%

1W total return

-0.05%

1Y price change

7.71%

1Y return CAGR

15.23%

1Y total return

15.22%

20-day SMA

EUR 6.13

200-day SMA

EUR 6.04

20Y price change

13.88%

20Y return CAGR

6.63%

20Y total return

261.2%

3M price change

-7.9%

3M total return

-7.9%

3Y price change

151.89%

3Y return CAGR

47.55%

3Y total return

221.31%

50-day SMA

EUR 6.50

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 6.94

52-week high date

2026-08-17

52-week low

EUR 4.81

52-week low date

2026-03-23

5Y price change

144.19%

5Y return CAGR

29.16%

5Y total return

259.35%

6M price change

5.63%

6M total return

9.24%

All-time high

EUR 6.94

All-time high date

2026-08-17

All-time low

EUR 0.79

All-time low date

1996-10-16

Average true range (ATR)

EUR 0.14

Average volume

49.9M

Beta (1Y)

1.24

Beta (2Y)

1.17

Beta (5Y)

0.86

Change from 52-week high

-13.65%

Change from 52-week low

24.43%

Change from all-time high

-13.65%

Change from all-time low

654.03%

Change from open

-0.83%

Day's gap

0.33%

Dollar volume

EUR 169.9M

High price

EUR 6.05

Low price

EUR 5.96

Monthly RSI

60.61

Open price

EUR 6.04

Position in 52-week range

33.33%

Previous close

EUR 6.02

Price vs 150-day SMA

-3.07%

Price vs 20-day SMA

-2.27%

Price vs 200-day SMA

-0.76%

Price vs 50-day SMA

-7.82%

Relative volume

0.57

RSI

38.9

Sharpe ratio

0.46

Sharpe ratio (3Y)

1.54

Sharpe ratio (5Y)

0.92

Sortino ratio

0.88

Sortino ratio (3Y)

2.46

Sortino ratio (5Y)

1.48

Volume

28.4M

Weekly RSI

44.65

YTD price change

1.17%

YTD total return

4.63%

Metric	Value
Float	15.2B
Shares change (QoQ)	1.36%
Shares change (YoY)	-2.9%
Shares held by institutions	34.14%
Shares outstanding	17.3B

Metric

Value

Float

15.2B

Shares change (QoQ)

1.36%

Shares change (YoY)

-2.9%

Shares held by institutions

34.14%

Shares outstanding

17.3B

BIT/ISP (BIT/ISP)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/ISP

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/ISP indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/ISP

Frequently asked questions