About Intesa Sanpaolo S.p.A. (ISNPY) — Dividend Analysis 2026
Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services. It also provides consumer credit and E-money; wealth management and private banking services. The company serves individuals, small and medium-sized businesses, non-profit organizations, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. is headquartered in Turin, Italy.
Is ISNPY a good dividend investment in 2026?
ISNPY offers a 6.70% forward yield with a 50% payout ratio. Strand Safety Score: 60/100 (Moderate Risk). The 5-year dividend CAGR of 100% demonstrates strong, consistent growth that outpaces inflation.
ISNPY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your ISNPY portfolio grows to $19.59M vs $11.61M without reinvestment. This is the compound interest effect in action.
ISNPY dividend growth history & forecast
ISNPY has grown its dividend by 0% over the last year and 100% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 6.70%.
Company generates negative FCF ($-41.9B) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+9.5B → +8.7B → +7.7B
30 / 30 pts
30/30
Net income grew for 2 consecutive years — strong earnings momentum
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
60
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 ISNPY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ISNPY.
Gross yield
6.70%
Tax rate
15.00%
After-tax yield
5.70%
Real yield (−CPI)
2.90%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
6.70%
3.90%
$670 / yr
🇺🇸 US Taxable (15%) ✓
15%
5.70%
2.90%
$570 / yr
🇺🇸 US Taxable (20%)
20%
5.36%
2.56%
$536 / yr
🇬🇧 UK ISA
0%
6.70%
3.90%
$670 / yr
🇬🇧 UK Taxable
8.75%
6.11%
3.31%
$611 / yr
🇨🇦 TFSA
0%
6.70%
3.90%
$670 / yr
🇨🇦 CA Taxable
25%
5.03%
2.23%
$503 / yr
🇦🇺 Super (pension)
15%
5.70%
2.90%
$570 / yr
🇦🇺 AU Taxable
30%
4.69%
1.89%
$469 / yr
🇩🇪 DE Taxable
26.375%
4.93%
2.13%
$493 / yr
🇫🇷 FR Taxable
30%
4.69%
1.89%
$469 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ISNPY Income Goal & Break-Even
Dividend Break-Even
5yr
Years for dividends to fully repay your ISNPY investment of $36.56/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$1.82M
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$1.82M
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in ISNPY for:
Shares needed
11,525
Capital required
$421,354
Monthly income
$2,000
Based on current dividend of $2.45/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ISNPY Dividend Payment Schedule
ISNPY pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$5.21 / payment
$20.82 / year after tax
100 shares
$52.06 / payment
$208.25 / year after tax
1,000 shares
$520.63 / payment
$2082.50 / year after tax
📊 ISNPY vs Financial Services Benchmarks
How ISNPY compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+3.80% vs sectorBetter
ISNPY
6.70%
avg
2.90%
5Y Dividend CAGR▲+92.90% vs sectorBetter
ISNPY
100.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
ISNPY
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ISNPY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ISNPY Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.08
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ISNPY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →