Buffett Brain · Research note
IES.DE· Financial Services
Intesa Sanpaolo
Intesa Sanpaolo's 33% EPS CAGR and 10.5 P/E suggest value, but moat clarity and financial health are concerns.
Buffett fit
Partial fit
Owner
50
Durability
95
Management
51
Price
81
Buffett's checklist
Each number against Buffett's bar, and where it ranks among Financial Services stocks in our database.
The cash the business earns for its owners, compared with the price of the whole company.
How fast sales grew each year over the last five years.
How many years of today's profit you pay for at today's price. Lower means cheaper.
How much the company owes compared with what it owns outright. Lower is safer.
The four pillars
How the business measures up on each of Buffett's four tests.
Owning 100% of Intesa Sanpaolo, we'd focus on its robust EPS growth of 33.22% over five years and a of 10.5, which suggests a reasonable valuation.
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Intesa's profitability over the last five years and a net margin of 32.67% suggest durability.
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The reduction in share count by a CAGR of -3.44% indicates shareholder-friendly .
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With an earnings yield of 9.56% and a of 10.5, Intesa Sanpaolo is attractively priced for the financial sector.
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- The full reasoning behind all four pillars
- The 5-year price target and the return it implies
- What would change the call
- Graham, Lynch and Greenblatt on the same stock
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For and against
The strongest points on each side, with the numbers behind them.
In its favor
6- 1EPS CAGR of 33.22% over 5 years indicates strong earnings growth.
- 2Net margin of 32.67% supports profitability despite sector challenges.
- 3Share count reduction at a CAGR of -3.44% suggests effective .
- 4Earnings yield of 9.56% offers a compelling valuation relative to peers.
Concerns
6- 1Debt/Equity ratio of 2.14 raises concerns in volatile markets.
- 2/Net Income ratio of 0.71 indicates weaker cash conversion.
- 3No detailed data available, limiting assessment of capital efficiency.
- 4Lack of detailed yield and dividend growth data restricts evaluation of shareholder returns.
Price history
$6.07+147.3%· 5-year return
Weekly closing prices. Touch or hover the line for a date.
The business
How the business works
Intesa Sanpaolo operates in Italy and several other regions, providing financial services across six segments, including retail banking and asset management. With a net income of $9.32B on $28.53B in revenue, the bank achieves a net margin of 32.67%. The business model relies heavily on interest income and fee-based services, typical of regional banks. Unit economics are driven by scale in its home market and diversified service offerings.
What other investors would say
The same company, judged by three other documented playbooks.
Keep researching
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