Intesa Sanpaolo S.p.A. (BIT:ISP)

Heartland Financial USA Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 11, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	94,864	68,693	48,222	37,978	44,085	37,112
Market Cap Growth	38.50%	42.45%	26.97%	-13.85%	18.79%	-9.67%
Last Close Price	5.34	3.73	2.34	1.68	1.70	1.32
PE Ratio	10.41	7.93	6.24	8.67	10.53	11.33
PS Ratio	3.71	2.71	2.08	2.11	2.43	2.59
PB Ratio	1.42	1.05	0.75	0.62	0.69	0.56
P/FCF Ratio	-	-	-	0.37	5.49	-
P/OCF Ratio	-	-	-	0.37	5.01	-
Debt / Equity Ratio	1.60	3.55	4.20	4.22	4.57	3.86
Debt / FCF Ratio	-	-	-	2.54	36.43	-
Return on Equity (ROE)	13.80%	13.38%	12.36%	7.02%	6.20%	3.51%
Return on Assets (ROA)	0.97%	0.91%	0.80%	0.43%	0.39%	0.24%
Earnings Yield	9.61%	12.62%	16.02%	11.53%	9.49%	8.83%
FCF Yield	-	-58.92%	-36.65%	267.79%	18.21%	-5.82%
Dividend Yield	6.41%	9.14%	12.63%	9.77%	14.70%	2.71%
Payout Ratio	-	67.27%	55.58%	67.73%	96.56%	0.37%
Buyback Yield / Dilution	-	1.92%	4.89%	0.32%	-6.23%	-4.39%
Total Shareholder Return	6.41%	11.06%	17.53%	10.09%	8.47%	-1.67%

Updated Feb 4, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.