ISP.MI · Intrinsic value
Is Intesa Sanpaolo S.p.A. (ISP.MI) overvalued or undervalued?
As of Oct 19, 2026, TickerWorth publishes a fair-value range of €7.92 – €7.92 for Intesa Sanpaolo S.p.A. (ISP.MI), against the delayed market price of €6.01: priced below our range. It is a range, not a single number, so we do not call it over- or undervalued. It is a model estimate, and every input behind it is sourced below.
Model by Miraaj Patel · generated from market data · Updated Oct 19, 2026 · How these pages are made
What is ISP.MI worth?
- Fair-value range
- €7.92 – €7.92
- Market price
- €6.01
- Gap to fair value
- —
- Verdict
- Priced below our range
Reverse DCF: Today's price implies revenue growth of −3.3% a year for 5 years; our model assumes 5.2% a year on average over the same horizon.
What is ISP.MI's TickerWorth Score?
Middle of the pack — real strengths and real weaknesses
Compared with Financial Services companies in Europe
Its strongest point: trades below our estimate of what it's worth. Its weakest: balance sheet looks stretched.
- Value · 62 of 100
Cheaper than 62% of Financial Services companies in Europe
- Price vs worth · 75 of 100
- Quality · 65 of 100
More profitable than 65% of Financial Services companies in Europe
- Financial health · 30 of 100
Financially stronger than 30% of Financial Services companies in Europe
- Growth · 52 of 100
Growing faster than 52% of Financial Services companies in Europe
- Momentum · 36 of 100
Outperformed 36% of Financial Services companies in Europe over the past year
Confidence: Medium confidence · Scored
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Why ISP.MI gets a range, not one number
At a recent price of €6.01, Intesa Sanpaolo S.p.A. (ISP.MI) sits below every lens we ran: our valuation lenses put the business somewhere between €7.92 and €7.92 per share. They disagree too widely for us to state a single fair value.
Read the full reasoning
We publish the range rather than a midpoint because a number that precise would claim more than the methods can support. This is an educational model, not a price target or a recommendation.
The valuation discounts Intesa Sanpaolo S.p.A.'s projected free cash flows at a weighted-average cost of capital (WACC) of 6.7%, with a long-run terminal growth rate of 2.5%. About 82% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly -3.3% annual revenue growth for ISP.MI. Our base case instead compounds to about 5.2% a year over the same forecast, so the market is pricing in slower growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, ISP.MI's modeled DCF value ranges from about €5.36 to €39.86 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what Intesa Sanpaolo S.p.A. would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of ISP.MI's intrinsic value. Figures update as new filings and prices come in.
Every input behind ISP.MI's DCF
| Input | Value |
|---|---|
| Base-year revenueLive feed — totalRevenue (TTM) | €26,131,000,000 |
| Base EBIT marginComputed — trailing operatingMargins, held roughly flat | 60.0% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 6% → 6% → 5% → 5% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 0.86 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesLive feed — sharesOutstanding | 17,292M |
| Market priceLive feed — delayed quote · as of 2026-10-19T21:42:53+00:00 | €6.01 |
Change ISP.MI's assumptions
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What does Intesa Sanpaolo S.p.A. do?
What does it do?
Intesa Sanpaolo S.p.A. engages in the provision of various financial products and services in Italy, Central/Eastern Europe, the Middle East, and North Africa. It operates in the Banks - Regional industry (Financial Services sector), headquartered in Italy. The company employs roughly 89,725 people.
How does it make money?
The business turns 26.1B in annual revenue into profit. Out of every $100 of sales, about $64 is left as operating profit (operating margin of 63.9%), after a 0% gross margin on the products/services it sells. After all costs, taxes and interest, 37.0% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks mixed: is currently profitable.
ISP.MI insider trading
Insider filings are available for US-listed companies only.
Common questions
What is ISP.MI's intrinsic value?
TickerWorth's valuation lenses put Intesa Sanpaolo S.p.A. (ISP.MI) between €7.92 and €7.92 per share, versus a market price of €6.01. They disagree too widely for us to state a single fair value, so we publish the range.
Is ISP.MI overvalued or undervalued?
At €6.01 the price sits below every lens we ran. We don't call ISP.MI overvalued or undervalued from a range this wide. This is an educational estimate, not advice.
What discount rate is used for ISP.MI?
A WACC of 6.7% and a terminal growth rate of 2.5%.
Is Intesa Sanpaolo S.p.A. stock undervalued?
TickerWorth's fair-value range for Intesa Sanpaolo S.p.A. (ISP.MI) is €7.92 – €7.92 against a market price of €6.01. Priced below our range. We publish a range here, not one number, so we do not call it over- or undervalued. This is a model estimate, not investment advice.
Intesa Sanpaolo S.p.A. (ISP.MI) DCF valuation and fair value
Our fair-value range for Intesa Sanpaolo S.p.A. (ISP.MI) is €7.92 – €7.92, built on a 6.7% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Intesa Sanpaolo S.p.A. stock?
Today's price implies revenue growth of −3.3% a year for 5 years; our model assumes 5.2% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of €6.01. A model estimate, not investment advice.
Intesa Sanpaolo S.p.A. (ISP.MI) insider trading
We have no recent SEC Form 4 insider filings on file for Intesa Sanpaolo S.p.A. (ISP.MI). Form 4 covers US-listed companies only.
Other ways into the coverage
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.