ISNPY vs. SAN
ISNPY (Intesa Sanpaolo SpA PK) and SAN (Banco Santander, S.A.) are both stocks. Both are in the Financial Services sector — ISNPY in Banks - Regional, SAN in Banks - Diversified. Over the past 10 years, ISNPY returned 21.63%/yr vs 18.20%/yr for SAN. Their 0.67 correlation means they have sometimes moved together and sometimes differently.
Performance
ISNPY vs. SAN - Performance Comparison
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Returns By Period
In the year-to-date period, ISNPY achieves a 12.35% return, which is significantly lower than SAN's 21.69% return. Over the past 10 years, ISNPY has outperformed SAN with an annualized return of 21.63%, while SAN has yielded a comparatively lower 18.20% annualized return.
ISNPY
- 1D
- 0.24%
- 1M
- 7.05%
- 6M
- 10.41%
- YTD
- 12.35%
- 1Y
- 38.52%
- 3Y*
- 49.48%
- 5Y*
- 32.68%
- 10Y*
- 21.63%
- ALL TIME*
- 4.40%
SAN
- 1D
- -0.07%
- 1M
- 1.08%
- 6M
- 11.95%
- YTD
- 21.69%
- 1Y
- 72.15%
- 3Y*
- 58.91%
- 5Y*
- 35.69%
- 10Y*
- 18.20%
- ALL TIME*
- 8.56%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $7.52M | $7.35M | $9.97M | |
| $140.83M | $131.82M | $115.30M |
ISNPY vs. SAN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ISNPY Intesa Sanpaolo SpA PK | 12.35% | 84.29% | 50.22% | 42.51% | -7.76% | 19.59% | -10.04% | 25.49% | -28.78% | 47.09% |
SAN Banco Santander, S.A. | 21.69% | 164.72% | 14.96% | 46.20% | -6.62% | 10.41% | -21.99% | -2.32% | -28.49% | 32.28% |
Correlation
The correlation between ISNPY and SAN is 0.80, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.80 |
Correlation (3Y) Balances recent behavior with more history. | 0.74 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.75 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.72 |
Correlation (All Time) Calculated using the full available price history since Jul 13, 2007 | 0.67 |
The correlation between ISNPY and SAN shifts across timeframes, from 0.67 (all time) to 0.80 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
ISNPY:
$22.19B
SAN:
$206.96B
ISNPY:
€19.85
SAN:
€1.03
ISNPY:
1.98
SAN:
11.91
ISNPY:
0.01
SAN:
0.63
ISNPY:
0.71
SAN:
2.08
ISNPY:
0.32
SAN:
1.64
ISNPY:
€26.94B
SAN:
€90.24B
ISNPY:
€25.87B
SAN:
€47.15B
ISNPY:
€14.31B
SAN:
€21.04B
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Return for Risk
ISNPY vs. SAN — Risk / Return Rank
ISNPY
SAN
ISNPY vs. SAN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Intesa Sanpaolo SpA PK (ISNPY) and Banco Santander, S.A. (SAN). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ISNPY | SAN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.78 | ||
| Sortino ratioReturn per unit of downside risk | -0.89 | ||
| Omega ratioGain probability vs. loss probability | 1.21 | 1.32 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | 1.56 | 3.37 | -1.80 |
| Martin ratioReturn relative to average drawdown | 4.96 | 10.31 | -5.35 |
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Drawdowns
ISNPY vs. SAN - Drawdown Comparison
The maximum ISNPY drawdown since its inception was -86.72%, roughly equal to the maximum SAN drawdown of -82.94%. Use the drawdown chart below to compare losses from any high point for ISNPY and SAN.
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Drawdown Indicators
| ISNPY | SAN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.72% | -82.94% | -3.78% |
Max Drawdown (1Y)Largest decline over 1 year | -21.14% | -20.29% | -0.85% |
Max Drawdown (3Y)Largest decline over 3 years | -21.80% | -20.29% | -1.51% |
Max Drawdown (5Y)Largest decline over 5 years | -49.54% | -40.82% | -8.72% |
Max Drawdown (10Y)Largest decline over 10 years | -59.38% | -73.84% | +14.46% |
Current DrawdownCurrent decline from peak | 0.00% | -1.88% | +1.88% |
Average DrawdownAverage peak-to-trough decline | -48.30% | -30.56% | -17.74% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.66% | 6.61% | +0.05% |
Volatility
ISNPY vs. SAN - Volatility Comparison
The current volatility for Intesa Sanpaolo SpA PK (ISNPY) is 6.88%, while Banco Santander, S.A. (SAN) has a volatility of 11.68%. This indicates that ISNPY experiences smaller price fluctuations and is considered to be less risky than SAN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ISNPY | SAN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.88% | 11.68% | -4.80% |
Volatility (6M)Calculated over the trailing 6-month period | 21.79% | 28.90% | -7.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.43% | 33.58% | -7.15% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 30.40% | 33.91% | -3.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.43% | 35.13% | -2.70% |
Dividends
ISNPY vs. SAN - Dividend Comparison
ISNPY's dividend yield for the trailing twelve months is around 5.80%, more than SAN's 1.98% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ISNPY Intesa Sanpaolo SpA PK | 5.80% | 5.89% | 8.50% | 7.68% | 7.25% | 8.64% | 0.00% | 6.18% | 8.14% | 10.26% | 4.41% | 2.45% |
SAN Banco Santander, S.A. | 1.98% | 2.11% | 4.63% | 3.58% | 3.83% | 2.71% | 0.00% | 6.20% | 5.83% | 4.60% | 3.29% | 7.06% |
Financials
ISNPY vs. SAN - Financials Comparison
This section allows you to compare key financial metrics between Intesa Sanpaolo SpA PK and Banco Santander, 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. SAN - Profitability Comparison
ISNPY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
SAN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Banco Santander, S.A. reported a gross profit of 13.41B and revenue of 33.48B. Therefore, the gross margin over that period was 40.1%.
ISNPY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 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%.
SAN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Banco Santander, S.A. reported an operating income of 4.85B and revenue of 33.48B, resulting in an operating margin of 14.5%.
ISNPY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 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%.
SAN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Banco Santander, S.A. reported a net income of 3.58B and revenue of 33.48B, resulting in a net margin of 10.7%.
Frequently Asked Questions
ISNPY and SAN have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SAN has higher volatility (11.68%) compared to ISNPY (6.88%). In terms of maximum drawdown, ISNPY dropped -86.72% vs SAN's -82.94%.
SAN currently has the higher Sharpe Ratio (2.04 vs 1.26), 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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