Let’s look at the technical analysis of Intesa Sanpaolo shares . Intesa Sanpaolo ( ISP :BIT) is one of the main Italian banking groups, born from the merger of two historic Italian banks: Banca Intesa and Sanpaolo IMI . The merger took place in 2007, creating one of the largest banks in Europe. The operation aimed to join forces between two institutions that already had a long history in the national and international banking scene. The merger gave birth to a company capable of competing globally, with a strong presence in Italy and an international network that spans numerous countries.
The bank has a strong structure that extends globally, offering a wide range of financial services. It mainly deals with commercial banking , banking services for individuals and businesses , wealth management , insurance , and financial investments . It is very active in providing solutions for savings management, through mutual funds and investment consultancy, and is also involved in the insurance sector through its subsidiaries.
In addition to retail banking, which represents a fundamental part of its business, Intesa Sanpaolo has a significant presence in the small and medium-sized enterprise (SME) sector and in supporting large corporate groups , providing financing, consultancy and customized solutions. It also stands out for its strong commitment to technological innovation , with the introduction of digital platforms for online and mobile banking, making its services accessible in a modern and convenient way.
Technical Analysis and Stock Performance
Intesa Sanpaolo is one of the major Italian banks, resulting from the merger in 2007 between Banca Intesa and Sanpaolo IMI. It offers a wide range of financial services, including commercial banking, wealth management, insurance and investments.
Stock Performance and Technical Analysis
As of November 25, 2024, Intesa Sanpaolo stock closed at 3.609 euros, down 0.67% from the previous day. Technical analysis shows resistance at 3.679 euros and support at 3.574 euros. Daily volatility was 1.323%, indicating some stability in the short term.
Historical performance and shareholder remuneration
Over the last ten years, Intesa Sanpaolo has recorded a 107% growth on the stock market, with a capitalization increase of 37 billion euros since January 2014. It has distributed dividends for 31 billion euros, with a cumulative dividend yield of 98%.
Shareholder composition
As of April 13, 2023, the main shareholders of Intesa Sanpaolo were:
- Compagnia di San Paolo : 9.89% of the share capital.
- BlackRock : one of the largest asset managers globally
Shareholders’ Club
Intesa Sanpaolo offers the “Shareholders’ Club”, a program that provides exclusive benefits and offers dedicated to its investors. To join, you must be a current account holder and hold at least 1,000 Intesa Sanpaolo shares for at least 12 months. Members can access preferential conditions on banking and financial products.
Services for small investors
Intesa Sanpaolo offers solutions for investing small amounts, such as “Smart Save”, which allows you to invest starting from 5 euros directly from the Intesa Sanpaolo Mobile app. This solution is ideal for those who want to start investing with small amounts and in a flexible way. Intesa Sanpaolo
In summary, Intesa Sanpaolo represents a solid opportunity for investors, with a proven historical performance and services dedicated to both large and small investors.
Latest Profits Distributed:
Here is an overview of the dividends distributed by Intesa Sanpaolo in recent years:
| Year | Dividend per share (€) | Detachment date | Payment date |
|---|---|---|---|
| 2024 | 0,17 | 18/11/2024 | 20/11/2024 |
| 2024 | 0,152 | 20/05/2024 | 22/05/2024 |
| 2023 | 0,144 | 20/11/2023 | 22/11/2023 |
| 2023 | 0,0901 | 20/05/2023 | 24/05/2023 |
| 2022 | 0,0789 | 21/11/2022 | 23/11/2022 |
| 2022 | 0,0789 | 23/05/2022 | 25/05/2022 |
| 2021 | 0,0996 | 22/11/2021 | 24/11/2021 |
| 2021 | 0,0357 | 24/05/2021 | 26/05/2021 |
| 2020 | 0,1353 | 18/10/2021 | 20/10/2021 |
| 2020 | 0,0357 | 24/05/2021 | 26/05/2021 |
In 2024, Intesa Sanpaolo distributed an interim dividend of 0.17 euros per share in November, with payment made on 20 November 2024. In addition, in May 2024, a final dividend of 0.152 euros per share was distributed, with payment made on 22 May 2024.
In 2023, two dividends were distributed: an interim dividend of 0.144 euros per share in November 2023, to be paid on 22 November 2023, and a final dividend of 0.0901 euros per share in May 2023, to be paid on 24 May 2023.
Outlook for 2025
Intesa Sanpaolo has presented the 2022-2025 Business Plan with the aim of consolidating its position as a European leader in Wealth Management, Protection & Advisory, focusing on four fundamental pillars:
- Structural reduction of non-performing loans (NPL): The bank aims to become a “Zero-NPL Bank”, significantly reducing non-performing loans and positioning itself among the best in Europe in terms of NPL ratio and stock .
- Digitalization and cost reduction: Intesa Sanpaolo intends to strengthen its omnichannel proposals and become a leader in Europe in terms of operational efficiency, investing in technology and creating a new digital bank, isybank . Intesa Sanpaolo Group
- Commission Growth Through Wealth Management, Protection and Advisory: The bank aims to increase commissions by leveraging its expertise in wealth management, protection and advisory.
- ESG Commitment: Intesa Sanpaolo aims to be a global leader in social impact, with a particular focus on climate, and to support the community, with a focus on those most in need.
Over the course of the plan, the bank plans to create over €520 billion of value for all stakeholders, with significant investments in various sectors, including €88 billion in the green economy, circular economy and ecological transition.
Intesa Sanpaolo recently partnered with Edison Next to support companies’ energy transition by offering financial solutions and energy efficiency consulting.
For 2025, the outlook is positive, with analysts predicting an improvement in financial performance, thanks to the implementation of digital strategies and the expansion of wealth management and consulting services.
In summary, Intesa Sanpaolo’s 2022-2025 Business Plan aims to strengthen the bank’s position in the European landscape, focusing on digitalization, sustainability and value-added services for customers and shareholders.
Opinions
Our opinion is that Intesa Sanpaolo shares are solid banking shares , which can be bought with a view to making a long-term investment, but like all banking shares they are subject to market fluctuations both in Italy and abroad. If we add this to the fact that in 2024 they had record performances, a fact linked to the high interest rates set by the ECB, in our opinion it is best to inform yourself very carefully before buying these shares and perhaps wait for times when growth will be more certain.
