Intesa Sanpaolo ISP

equity

Price History

1995-02 · DCA start€1.04

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

1995-022026-08 · 0.0%

Worst drawdown: −83%, peaking Mar 2007 and bottoming Apr 2012 — 224 months below the prior high before recovering.

DCA Backtest

Start month

Monthly amount (EUR)

Invested: €37,900
Value today: €119,427
Return: +215.1%
Months invested: 379

Scenarios

Lump sum instead — €37,900 all at once in Feb 1995: €252,639 (+566.6%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2026): €200.67 on €200 invested (+0.3%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1995-02: +215.1%

About Intesa Sanpaolo

Intesa Sanpaolo S.p.A. is an Italian international banking group. It is Italy's largest bank by total assets and the world's 38th largest. It was formed through the merger of the Milan-based Banca Intesa and Turin-based Sanpaolo IMI in 2007, but has a corporate identity stretching back to its first foundation as Istituto Bancario San Paolo di Torino in 1583. (Wikipedia)

It's a listed company categorised under financials.

It rates Medium-Low Risk at 2.2/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: earnings quality (4.0/5) and sector / regulatory (4.0/5).

Scoring well: leverage / financial at 1.0/5.

Not yet researched: governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(2.2/5)90% rated

How these ratings work

Market / Volatility2.3/5 · weight 20%

Annualised volatility (3yr)2/518.3
Max drawdown from ATH4/582.6
Beta vs S&P 5001/50.32

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/5302.6m
Float % of shares outstandingnot yet researched

Leverage / Financial1.0/5 · weight 20%

Debt / equity1/52.1
Interest coverage (EBIT / interest)not yet researched

Earnings Quality4.0/5 · weight 15%

3yr EPS volatility4/540.3

Concentration2.0/5 · weight 10%

Largest customer, % of revenuenot yet researched
Geographic revenue concentration2/5majority stable region

Governanceunrated · weight 10%

Board independence %not yet researched
Share structurenot yet researched
Litigation / audit historynot yet researched

Sector / Regulatory4.0/5 · weight 10%

Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.