IFS Fundamental Analysis - INTERCORP FINANCIAL SERVICES

Fundamental Rating

Taking everything into account, IFS scores 3 out of 10 in our fundamental rating. IFS was compared to 394 industry peers in the Banks industry. IFS may be in some trouble as it scores bad on both profitability and health. IFS has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year IFS was profitable.

IFS had positive earnings in each of the past 5 years.

Of the past 5 years IFS 4 years had a positive operating cash flow.

1.2 Ratios

IFS has a better Return On Assets (1.68%) than 93.89% of its industry peers.

Looking at the Return On Equity, with a value of 14.72%, IFS belongs to the top of the industry, outperforming 92.37% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.68%
ROE	14.72%
ROIC	N/A

ROA(3y)1.49%

ROA(5y)1.38%

ROE(3y)13.48%

ROE(5y)12.72%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 23.95%, IFS perfoms like the industry average, outperforming 52.16% of the companies in the same industry.

In the last couple of years the Profit Margin of IFS has declined.

IFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.95%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.81%

PM growth 5Y-7.18%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for IFS has been reduced compared to 1 year ago.

The number of shares outstanding for IFS has been reduced compared to 5 years ago.

Compared to 1 year ago, IFS has an improved debt to assets ratio.

2.2 Solvency

IFS has a Debt/Equity ratio of 1.29. This is a high value indicating a heavy dependency on external financing.

IFS has a worse Debt to Equity ratio (1.29) than 87.02% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.29
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 113.43% over the past year.

The Earnings Per Share has been decreasing by -2.30% on average over the past years.

IFS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.38%.

The Revenue has been growing slightly by 5.53% on average over the past years.

EPS 1Y (TTM)113.43%

EPS 3Y-8.96%

EPS 5Y-2.3%

EPS Q2Q%110.48%

Revenue 1Y (TTM)3.38%

Revenue growth 3Y5.51%

Revenue growth 5Y5.53%

Sales Q2Q%0.83%

3.2 Future

IFS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.35% yearly.

Based on estimates for the next years, IFS will show a small growth in Revenue. The Revenue will grow by 7.15% on average per year.

EPS Next Y41.73%

EPS Next 2Y29.15%

EPS Next 3Y24.35%

EPS Next 5YN/A

Revenue Next Year6.49%

Revenue Next 2Y7.6%

Revenue Next 3Y7.15%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

IFS is valuated reasonably with a Price/Earnings ratio of 8.57.

Compared to the rest of the industry, the Price/Earnings ratio of IFS indicates a rather cheap valuation: IFS is cheaper than 91.86% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of IFS to the average of the S&P500 Index (26.87), we can say IFS is valued rather cheaply.

IFS is valuated cheaply with a Price/Forward Earnings ratio of 7.62.

Compared to the rest of the industry, the Price/Forward Earnings ratio of IFS indicates a rather cheap valuation: IFS is cheaper than 87.02% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of IFS to the average of the S&P500 Index (35.34), we can say IFS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.57
Fwd PE	7.62

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as IFS's earnings are expected to grow with 24.35% in the coming years.

PEG (NY)0.21

PEG (5Y)N/A

EPS Next 2Y29.15%

EPS Next 3Y24.35%

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5. Dividend

5.1 Amount

IFS has a Yearly Dividend Yield of 2.59%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.43, IFS is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.36, IFS has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.59%

5.2 History

The dividend of IFS decreases each year by -8.30%.

IFS has been paying a dividend for over 5 years, so it has already some track record.

IFS has decreased its dividend recently.

Dividend Growth(5Y)-8.3%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

26.65% of the earnings are spent on dividend by IFS. This is a low number and sustainable payout ratio.

DP26.65%

EPS Next 2Y29.15%

EPS Next 3Y24.35%

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (8/15/2025, 8:04:00 PM)

After market: 38.66 0 (0%)

38.66

-0.05 (-0.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-11 2025-08-11/amc

Earnings (Next)11-06 2025-11-06

Inst Owners26.11%

Inst Owner Change3.55%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap4.38B

Analysts85.71

Price Target42.28 (9.36%)

Short Float %0.28%

Short Ratio0.4

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.59%

Yearly DividendN/A

Dividend Growth(5Y)-8.3%

DP26.65%

Div Incr Years0

Div Non Decr Years1

Ex-Date04-24 2025-04-24 (1)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.59%

Min EPS beat(2)18.44%

Max EPS beat(2)20.74%

EPS beat(4)4

Avg EPS beat(4)17.39%

Min EPS beat(4)13.91%

Max EPS beat(4)20.74%

EPS beat(8)5

Avg EPS beat(8)17.39%

EPS beat(12)6

Avg EPS beat(12)8.04%

EPS beat(16)8

Avg EPS beat(16)10.35%

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)3.75%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.72%

EPS NY rev (1m)0%

EPS NY rev (3m)2.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.35%

Valuation

		Industry Rank	Sector Rank
PE	8.57
Fwd PE	7.62
P/S	N/A
P/FCF	N/A
P/OCF	N/A
P/B	N/A
P/tB	N/A
EV/EBITDA	N/A

EPS(TTM)4.51

EY11.67%

EPS(NY)5.07

Fwd EY13.12%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)0.21

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.68%
ROE	14.72%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.95%
GM	N/A
FCFM	N/A

ROA(3y)1.49%

ROA(5y)1.38%

ROE(3y)13.48%

ROE(5y)12.72%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.81%

PM growth 5Y-7.18%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	1.29
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	88.15%
Cap/Sales	5.44%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)101.8%

Cap/Depr(5y)97.95%

Cap/Sales(3y)5.19%

Cap/Sales(5y)4.8%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)113.43%

EPS 3Y-8.96%

EPS 5Y-2.3%

EPS Q2Q%110.48%

EPS Next Y41.73%

EPS Next 2Y29.15%

EPS Next 3Y24.35%

EPS Next 5YN/A

Revenue 1Y (TTM)3.38%

Revenue growth 3Y5.51%

Revenue growth 5Y5.53%

Sales Q2Q%0.83%

Revenue Next Year6.49%

Revenue Next 2Y7.6%

Revenue Next 3Y7.15%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-43.23%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-112.72%

FCF growth 3Y33.01%

FCF growth 5Y11.92%

OCF growth 1Y-100.81%

OCF growth 3Y29.31%

OCF growth 5Y11.76%

INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens