ISNPY vs. GGAL
ISNPY (Intesa Sanpaolo SpA PK) and GGAL (Grupo Financiero Galicia S.A.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, ISNPY returned 17.57%/yr vs 8.50%/yr for GGAL. At a 0.26 correlation, their price movements are largely independent.
Performance
ISNPY vs. GGAL - Performance Comparison
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Returns By Period
In the year-to-date period, ISNPY achieves a -2.31% return, which is significantly higher than GGAL's -7.77% return. Over the past 10 years, ISNPY has outperformed GGAL with an annualized return of 17.57%, while GGAL has yielded a comparatively lower 8.50% annualized return.
ISNPY
- 1D
- -2.36%
- 1M
- 2.80%
- YTD
- -2.31%
- 6M
- 3.72%
- 1Y
- 25.02%
- 3Y*
- 50.83%
- 5Y*
- 26.83%
- 10Y*
- 17.57%
GGAL
- 1D
- -3.97%
- 1M
- 21.40%
- YTD
- -7.77%
- 6M
- -5.81%
- 1Y
- -10.40%
- 3Y*
- 68.91%
- 5Y*
- 44.57%
- 10Y*
- 8.50%
ISNPY vs. GGAL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ISNPY Intesa Sanpaolo SpA PK | -2.31% | 84.29% | 50.22% | 42.51% | -7.76% | 19.59% | -10.04% | 25.49% | -28.78% | 47.09% |
GGAL Grupo Financiero Galicia S.A. | -7.77% | -11.36% | 289.05% | 92.28% | 8.05% | 8.88% | -45.53% | -40.38% | -57.85% | 145.24% |
Correlation
The correlation between ISNPY and GGAL is 0.25, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.25 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.23 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.28 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.27 |
Correlation (All Time) Calculated using the full available price history since Jul 16, 2007 | 0.26 |
Fundamentals
ISNPY:
$18.99B
GGAL:
$1.36B
ISNPY:
$19.86
GGAL:
$676.97
ISNPY:
1.98
GGAL:
0.07
ISNPY:
0.01
GGAL:
0.00
ISNPY:
0.72
GGAL:
0.00
ISNPY:
0.32
GGAL:
0.00
ISNPY:
$26.94B
GGAL:
$13.01T
ISNPY:
$25.87B
GGAL:
$5.27T
ISNPY:
$14.31B
GGAL:
$306.88B
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Return for Risk
ISNPY vs. GGAL — Risk / Return Rank
ISNPY
GGAL
ISNPY vs. GGAL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Intesa Sanpaolo SpA PK (ISNPY) and Grupo Financiero Galicia S.A. (GGAL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| ISNPY | GGAL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.10 | ||
| Sortino ratioReturn per unit of downside risk | +1.08 | ||
| Omega ratioGain probability vs. loss probability | 1.17 | 1.04 | +0.13 |
| Calmar ratioReturn relative to maximum drawdown | 1.19 | -0.20 | +1.38 |
| Martin ratioReturn relative to average drawdown | 3.80 | -0.42 | +4.22 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| ISNPY | GGAL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.96 | -0.14 | +1.10 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.89 | 0.77 | +0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.51 | 0.14 | +0.38 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.09 | 0.07 | +0.02 |
Drawdowns
ISNPY vs. GGAL - Drawdown Comparison
The maximum ISNPY drawdown since its inception was -86.72%, smaller than the maximum GGAL drawdown of -98.98%. Use the drawdown chart below to compare losses from any high point for ISNPY and GGAL.
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Drawdown Indicators
| ISNPY | GGAL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.72% | -98.98% | +12.26% |
Max Drawdown (1Y)Largest decline over 1 year | -21.14% | -53.54% | +32.40% |
Max Drawdown (3Y)Largest decline over 3 years | -21.80% | -62.94% | +41.14% |
Max Drawdown (5Y)Largest decline over 5 years | -49.54% | -62.94% | +13.40% |
Max Drawdown (10Y)Largest decline over 10 years | -59.38% | -91.70% | +32.32% |
Current DrawdownCurrent decline from peak | -6.58% | -29.45% | +22.87% |
Average DrawdownAverage peak-to-trough decline | -48.70% | -57.41% | +8.71% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.60% | 24.60% | -18.00% |
Volatility
ISNPY vs. GGAL - Volatility Comparison
The current volatility for Intesa Sanpaolo SpA PK (ISNPY) is 8.82%, while Grupo Financiero Galicia S.A. (GGAL) has a volatility of 16.53%. This indicates that ISNPY experiences smaller price fluctuations and is considered to be less risky than GGAL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ISNPY | GGAL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.82% | 16.53% | -7.71% |
Volatility (6M)Calculated over the trailing 6-month period | 20.47% | 35.75% | -15.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.24% | 74.54% | -48.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 30.41% | 58.49% | -28.08% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.31% | 61.90% | -27.59% |
Dividends
ISNPY vs. GGAL - Dividend Comparison
ISNPY's dividend yield for the trailing twelve months is around 6.67%, more than GGAL's 4.38% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GGAL Grupo Financiero Galicia S.A. | 4.38% | 2.11% | 3.81% | 6.49% | 4.62% | 0.23% | 0.94% | 1.89% | 1.29% | 0.16% | 0.13% | 0.09% |
ISNPY Intesa Sanpaolo SpA PK | 6.67% | 5.89% | 8.50% | 7.68% | 7.25% | 8.64% | 0.00% | 6.18% | 8.14% | 10.26% | 4.41% | 2.45% |
Financials
ISNPY vs. GGAL - Financials Comparison
This section allows you to compare key financial metrics between Intesa Sanpaolo SpA PK and Grupo Financiero Galicia S.A.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ISNPY vs. GGAL - Profitability Comparison
ISNPY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Intesa Sanpaolo SpA PK reported a gross profit of 8.47B and revenue of 10.99B. Therefore, the gross margin over that period was 77.1%.
GGAL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Grupo Financiero Galicia S.A. reported a gross profit of 1.11T and revenue of 1.99T. Therefore, the gross margin over that period was 56.0%.
ISNPY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Intesa Sanpaolo SpA PK reported an operating income of 4.21B and revenue of 10.99B, resulting in an operating margin of 38.3%.
GGAL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Grupo Financiero Galicia S.A. reported an operating income of 66.60B and revenue of 1.99T, resulting in an operating margin of 3.4%.
ISNPY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Intesa Sanpaolo SpA PK reported a net income of 2.81B and revenue of 10.99B, resulting in a net margin of 25.6%.
GGAL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Grupo Financiero Galicia S.A. reported a net income of 65.18B and revenue of 1.99T, resulting in a net margin of 3.3%.
Frequently Asked Questions
ISNPY and GGAL have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
GGAL has higher volatility (16.53%) compared to ISNPY (8.82%). In terms of maximum drawdown, ISNPY dropped -86.72% vs GGAL's -98.98%.
ISNPY currently has the higher Sharpe Ratio (0.96 vs -0.14), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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