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Intesa Sanpaolo (ISNPY) is an Italian banking group resulting from the merger of Banca Intesa and Sanpaolo IMI in 2007.

Italy 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 account for around 25% of its revenue.

While Intesa does have a sizable corporate banking business, it has limited exposure to securities trading and underwriting.

Intesa Sanpaolo S.p.A. was founded in 1998 and is headquartered in Turin, Italy.

Three key data points gauge Intessa Sanpaolo or any dividend-paying firm.

The key three are:

(1) Price

(2) Dividends

(3) Returns

Those three basic keys best tell whether any company has made, is making, and will make money.

ISNPY Price

Over the past year, ISNPY's share price rose about 27% from $14.27 to $18.13 as of Tuesday’s market close.

If ISNPY trades in the range of $14.00 to $20.00 this next year, its recent $18.13 share price might rise to $18.85 by next year. Of course, ISNPY’s price could drop about the same $0.72 estimated amount or more.

My annual upside estimate of $0.72 however, is about equal to the company’s average annual price gain over the past four years.

ISNPY Dividend

Intessa Sanpaolo has declared variable semi-annual dividends since May 2007.  Intessa’s most recent semi-annual dividend of $0.94 was declared on November 9, 2023, to shareholders of record on November 20th. The payout was made on December 8th.

A forward-looking $1.50 annual dividend yields 8.27% at Tuesday’s $18.13 share price.

ISNPY Returns

To put it all together, add the estimated annual dividend of $1.50 to the estimated price upside of $0.72 to find a $2.22 gross gain.

At Tuesday’s $18.13 share price, a little under $1000 would buy 55 shares.

A $10 broker fee (if charged), paid half at purchase and half at sale, would cost us about $0.18 per share.

Subtracting that likely $0.18 brokerage cost from the $2.22 gross gain produces a net gain of $2.04 X 55 shares = $112.20 for a 11.25% estimated net gain.

You might choose to pounce on Intessa Sanpaolo It is a 26-year-old Turin Italy-based Regional Bank.

Furthermore, the estimated $82.70 of annual dividend income from $1k invested is over 4.5 times greater than ISNPY’s recent $18.13 single share price.

The exact track of Intessa Sanpaolo's ongoing future price and dividend will be determined by market action.

Remember the true value of any stock is best realized through personal ownership of shares.

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