IntesanpaoloIITSF 68 Net Margin % is 37.70% as of Mar. 2026, which is 70% above its 10-year median of 22.21. GuruFocus rates IITSF with a GF Score™ of 68/100 and a GF Value™ of $5.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Intesanpaolo ranks better than 69.74% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Intesanpaolo's Net Income for the
three
months ended in Mar. 2026 was $3,192 Mil. Intesanpaolo's Revenue for the
three
months ended in Mar. 2026 was $8,466 Mil. Therefore, Intesanpaolo's net margin for the quarter that ended in Mar. 2026 was 37.70%.
The historical rank and industry rank for Intesanpaolo's Net Margin % or its related term are showing as below:
IITSF'
s Net Margin % Range Over the Past 10 Years
Min: 14.9 Med: 22.21 Max: 33.13
Current: 32.78
IITSF's Net Margin % is ranked better than 69.74% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs IITSF: 32.78
Intesanpaolo (OTCPK:IITSF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Intesanpaolo Net Margin % Related Terms
Intesanpaolo Net Margin % Historical Data
* Premium members only.
The historical data trend for Intesanpaolo's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Intesanpaolo's Net Margin % distribution charts can be found below:
* The bar in red indicates where Intesanpaolo's Net Margin % falls into.
* 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 (IITSF) has a Net Margin % of 37.70% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Intesanpaolo and its competitors. This is 70% above median its historical median of 22.21. Over the past decade, Intesanpaolo's Net Margin % has ranged from 14.90 to 33.13. According to the industry distribution chart, Intesanpaolo ranks #462 out of 1527 companies in the Banks industry, placing it in the top 30.3%.
Is Intesanpaolo's Net Margin % too high?
Intesanpaolo's current Net Margin % of 37.70% is 70% above median its 10-year median of 22.21. Over the past 10 years, this metric has ranged from a low of 14.90 to a high of 33.13. The Banks industry median Net Margin % is 26.95. Intesanpaolo's value of 37.70% is 39.9% above this industry median. Based on the distribution chart, Intesanpaolo ranks #462 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Intesanpaolo has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intesanpaolo's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Intesanpaolo ranks #462 out of 1527 companies for Net Margin %. This puts Intesanpaolo in the upper half of its industry. The industry median Net Margin % is 26.95. Intesanpaolo's value of 37.70% is 39.9% above this benchmark. Historically, Intesanpaolo's own Net Margin % has ranged from 14.90 to 33.13 over the past decade. While the company's 10-year median is 22.21 vs. the industry median of 26.95, Intesanpaolo has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intesanpaolo's current Net Margin % of 37.70% is 39.9% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Intesanpaolo and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intesanpaolo's current Net Margin % is 37.70%, which is 70% above median its own 10-year median of 22.21. 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 (IITSF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.02, compared to a current price of $6.89 — trading 37.2% above its estimated fair value. The current Net Margin % is 37.70%, which is 70% above median its 10-year median of 22.21 and 39.9% above the Banks industry median of 26.95. Intesanpaolo's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Intesanpaolo (IITSF), the current Net Margin % is 37.70% as of Mar. 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 (IITSF) Overvalued in 2026?
Based on GuruFocus' analysis, Intesanpaolo stock appears to be overvalued.
The current stock price of $6.89 is trading 37.2% above its estimated GF Value™ of $5.02.
GuruFocus considers Intesanpaolo to be Significantly Overvalued.
Key valuation signals for IITSF:
Net Margin %: 37.70% (70% above median its 10-year median of 22.21)
GF Value™: $5.02 vs. price of $6.89 (37.2% above fair value)
Industry Position: 39.9% above the Banks median (#462 of 1527)
No single metric tells the full story. See the IITSF 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.
68GF Score
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