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IntesanpaoloXSWX:ISP 58 Equity-to-Asset is 0.07 as of Jun. 2026, which is at its 10-year median of 0.07. GuruFocus rates XSWX:ISP with a GF Score™ of 58/100 and a GF Value™ of CHF4.20 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Intesanpaolo ranks worse than 76.66% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Intesanpaolo's Total Stockholders Equity for the quarter that ended in Jun. 2026 was CHF63,560 Mil. Intesanpaolo's Total Assets for the quarter that ended in Jun. 2026 was CHF914,102 Mil.
Therefore, Intesanpaolo's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.07.
The historical rank and industry rank for Intesanpaolo's Equity-to-Asset or its related term are showing as below:
XSWX:ISP'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.07 Max: 0.07
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of Intesanpaolo was 0.07. The lowest was 0.06. And the median was 0.07.
XSWX:ISP's Equity-to-Asset is ranked worse than 76.66% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs XSWX:ISP: 0.07
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Intesanpaolo Equity-to-Asset Related Terms
Intesanpaolo Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Intesanpaolo's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Intesanpaolo's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Intesanpaolo Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Intesanpaolo's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Intesanpaolo's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Intesanpaolo's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Intesanpaolo (XSWX:ISP) has a Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Intesanpaolo and its competitors. This is near median its historical median of 0.07. Over the past decade, Intesanpaolo's Equity-to-Asset has ranged from 0.06 to 0.07. According to the industry distribution chart, Intesanpaolo ranks #1169 out of 1525 companies in the Banks industry, placing it in the top 76.7%.
Is Intesanpaolo's Equity-to-Asset too high?
Intesanpaolo's current Equity-to-Asset of 0.07 is near median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.07. The Banks industry median Equity-to-Asset is 0.10. Intesanpaolo's value of 0.07 is 30% below this industry median. Based on the distribution chart, Intesanpaolo ranks #1169 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Intesanpaolo has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intesanpaolo's Equity-to-Asset compare to PNC?
According to the Banks industry distribution chart, Intesanpaolo ranks #1169 out of 1525 companies for Equity-to-Asset. This places Intesanpaolo in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Intesanpaolo's value of 0.07 is 30% below this benchmark. Historically, Intesanpaolo's own Equity-to-Asset has ranged from 0.06 to 0.07 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, Intesanpaolo has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intesanpaolo's current Equity-to-Asset of 0.07 is 30% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Intesanpaolo and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intesanpaolo's current Equity-to-Asset is 0.07, which is near median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intesanpaolo stock overvalued right now?
Based on GuruFocus' analysis, Intesanpaolo (XSWX:ISP) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF4.20, compared to a current price of CHF6.42 — trading 52.9% above its estimated fair value. The current Equity-to-Asset is 0.07, which is near median its 10-year median of 0.07 and 30% below the Banks industry median of 0.10. Intesanpaolo's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Intesanpaolo (XSWX:ISP), the current Equity-to-Asset is 0.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Intesanpaolo (XSWX:ISP) Overvalued in 2026?
Based on GuruFocus' analysis, Intesanpaolo stock appears to be overvalued.
The current stock price of CHF6.42 is trading 52.9% above its estimated GF Value™ of CHF4.20.
GuruFocus considers Intesanpaolo to be Significantly Overvalued.
Key valuation signals for XSWX:ISP:
Equity-to-Asset: 0.07 (near median its 10-year median of 0.07)
GF Value™: CHF4.20 vs. price of CHF6.42 (52.9% above fair value)
Industry Position: 30% below the Banks median (#1169 of 1525)
No single metric tells the full story. See the XSWX:ISP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Intesa Sanpaolo is an Italian banking group resulting from the merger of Banca Intesa and Sanpaolo IMI in 2007. The Italian segment still accounts for by far the most of its earnings. Still, Intesa also has a growing international presence, focusing on some smaller countries in Central and Eastern Europe. Intesa has an enviable market position in the Italian savings market that it services through its private banking, asset management, and life insurance operations, which accounts for around 25% of its revenue. While Intesa does have a sizable corporate banking business, it has limited exposure to securities trading and underwriting.
58GF Score
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