IntesanpaoloXSWX:ISP 61 Return-on-Tangible-Equity is 19.14% as of Mar. 2026, which is 115% above its 10-year median of 8.91. GuruFocus rates XSWX:ISP with a GF Score™ of 61/100 and a GF Value™ of CHF3.89 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Intesanpaolo ranks better than 80.98% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Intesanpaolo's annualized net income for the quarter that ended in Mar. 2026 was CHF10,052 Mil. Intesanpaolo's average shareholder tangible equity for the quarter that ended in Mar. 2026 was CHF52,511 Mil. Therefore, Intesanpaolo's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.14%.
The historical rank and industry rank for Intesanpaolo's Return-on-Tangible-Equity or its related term are showing as below:
XSWX:ISP'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.28 Med: 8.91 Max: 16.86
Current: 16.62
During the past 13 years, Intesanpaolo's highest Return-on-Tangible-Equity was 16.86%. The lowest was 6.28%. And the median was 8.91%.
XSWX:ISP's Return-on-Tangible-Equity is ranked better than 80.98% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs XSWX:ISP: 16.62
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Intesanpaolo Return-on-Tangible-Equity Related Terms
Intesanpaolo Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Intesanpaolo's Return-on-Tangible-Equity 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.
XSWX:ISP vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Intesanpaolo's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Intesanpaolo's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Intesanpaolo's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.14% mean?
Intesanpaolo (XSWX:ISP) has a Return-on-Tangible-Equity of 19.14% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Intesanpaolo and its competitors. This is 115% above median its historical median of 8.91. Over the past decade, Intesanpaolo's Return-on-Tangible-Equity has ranged from 6.28 to 16.86. According to the industry distribution chart, Intesanpaolo ranks #290 out of 1525 companies in the Banks industry, placing it in the top 19%.
Is Intesanpaolo's Return-on-Tangible-Equity too high?
Intesanpaolo's current Return-on-Tangible-Equity of 19.14% is 115% above median its 10-year median of 8.91. Over the past 10 years, this metric has ranged from a low of 6.28 to a high of 16.86. The Banks industry median Return-on-Tangible-Equity is 11.21. Intesanpaolo's value of 19.14% is 70.7% above this industry median. Based on the distribution chart, Intesanpaolo ranks #290 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Intesanpaolo has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intesanpaolo's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Intesanpaolo ranks #290 out of 1525 companies for Return-on-Tangible-Equity. This places Intesanpaolo in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Intesanpaolo's value of 19.14% is 70.7% above this benchmark. Historically, Intesanpaolo's own Return-on-Tangible-Equity has ranged from 6.28 to 16.86 over the past decade. While the company's 10-year median is 8.91 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intesanpaolo's current Return-on-Tangible-Equity of 19.14% is 70.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Intesanpaolo and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intesanpaolo's current Return-on-Tangible-Equity is 19.14%, which is 115% above median its own 10-year median of 8.91. 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 CHF3.89, compared to a current price of CHF5.40 — trading 38.8% above its estimated fair value. The current Return-on-Tangible-Equity is 19.14%, which is 115% above median its 10-year median of 8.91 and 70.7% above the Banks industry median of 11.21. Intesanpaolo's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Intesanpaolo (XSWX:ISP), the current Return-on-Tangible-Equity is 19.14% 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 (XSWX:ISP) Overvalued in 2026?
Based on GuruFocus' analysis, Intesanpaolo stock appears to be overvalued.
The current stock price of CHF5.40 is trading 38.8% above its estimated GF Value™ of CHF3.89.
GuruFocus considers Intesanpaolo to be Significantly Overvalued.
Key valuation signals for XSWX:ISP:
Return-on-Tangible-Equity: 19.14% (115% above median its 10-year median of 8.91)
GF Value™: CHF3.89 vs. price of CHF5.40 (38.8% above fair value)
Industry Position: 70.7% above the Banks median (#290 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.
61GF Score
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