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INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis

NYSE:IFS - New York Stock Exchange, Inc. - PAL2400671A3 - Common Stock - Currency: USD

34.47  +0.71 (+2.1%)

After market: 34.47 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to IFS. IFS was compared to 398 industry peers in the Banks industry. IFS may be in some trouble as it scores bad on both profitability and health. IFS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

IFS had positive earnings in the past year.
Each year in the past 5 years IFS has been profitable.
Of the past 5 years IFS 4 years had a positive operating cash flow.
IFS Yearly Net Income VS EBIT VS OCF VS FCFIFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.36%, IFS belongs to the top of the industry, outperforming 87.69% of the companies in the same industry.
The Return On Equity of IFS (11.91%) is better than 81.66% of its industry peers.
Industry RankSector Rank
ROA 1.36%
ROE 11.91%
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
IFS Yearly ROA, ROE, ROICIFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

IFS has a worse Profit Margin (19.89%) than 62.56% of its industry peers.
IFS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for IFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.89%
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
IFS Yearly Profit, Operating, Gross MarginsIFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

IFS has less shares outstanding than it did 1 year ago.
IFS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for IFS has been reduced compared to a year ago.
IFS Yearly Shares OutstandingIFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
IFS Yearly Total Debt VS Total AssetsIFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

IFS has a debt to FCF ratio of 5.30. This is a neutral value as IFS would need 5.30 years to pay back of all of its debts.
The Debt to FCF ratio of IFS (5.30) is worse than 70.85% of its industry peers.
IFS has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.24, IFS is doing worse than 87.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF 5.3
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
IFS Yearly LT Debt VS Equity VS FCFIFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFS Yearly Current Assets VS Current LiabilitesIFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.64% over the past year.
Measured over the past years, IFS shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.30% on average per year.
Looking at the last year, IFS shows a small growth in Revenue. The Revenue has grown by 1.62% in the last year.
The Revenue has been growing slightly by 5.53% on average over the past years.
EPS 1Y (TTM)21.64%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%72.62%
Revenue 1Y (TTM)1.62%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%-3.95%

3.2 Future

The Earnings Per Share is expected to grow by 21.63% on average over the next years. This is a very strong growth
Based on estimates for the next years, IFS will show a small growth in Revenue. The Revenue will grow by 6.11% on average per year.
EPS Next Y38.49%
EPS Next 2Y27.21%
EPS Next 3Y21.63%
EPS Next 5YN/A
Revenue Next Year6.12%
Revenue Next 2Y6.85%
Revenue Next 3Y6.11%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
IFS Yearly Revenue VS EstimatesIFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
IFS Yearly EPS VS EstimatesIFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.34, the valuation of IFS can be described as reasonable.
IFS's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of IFS to the average of the S&P500 Index (28.22), we can say IFS is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.18, the valuation of IFS can be described as very reasonable.
IFS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IFS is cheaper than 77.89% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.86. IFS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.34
Fwd PE 8.18
IFS Price Earnings VS Forward Price EarningsIFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IFS Per share dataIFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

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 21.63% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y27.21%
EPS Next 3Y21.63%

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4

5. Dividend

5.1 Amount

IFS has a Yearly Dividend Yield of 2.99%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.50, IFS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, IFS pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.99%

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.
Dividend Growth(5Y)-8.3%
Div Incr Years0
Div Non Decr Years0
IFS Yearly Dividends per shareIFS Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

IFS pays out 32.87% of its income as dividend. This is a sustainable payout ratio.
DP32.87%
EPS Next 2Y27.21%
EPS Next 3Y21.63%
IFS Yearly Income VS Free CF VS DividendIFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B
IFS Dividend Payout.IFS Dividend Payout, showing the Payout Ratio.IFS Dividend Payout.PayoutRetained Earnings

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (5/2/2025, 8:04:00 PM)

After market: 34.47 0 (0%)

34.47

+0.71 (+2.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2025-02-05/amc
Earnings (Next)05-08 2025-05-08/amc
Inst Owners28.43%
Inst Owner Change1.38%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.91B
Analysts85.71
Price Target40.75 (18.22%)
Short Float %0.43%
Short Ratio0.71
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
Yearly DividendN/A
Dividend Growth(5Y)-8.3%
DP32.87%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-24 2025-04-24 (1)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.33%
Min EPS beat(2)13.91%
Max EPS beat(2)20.74%
EPS beat(4)3
Avg EPS beat(4)3%
Min EPS beat(4)-39.11%
Max EPS beat(4)20.74%
EPS beat(8)4
Avg EPS beat(8)10.77%
EPS beat(12)5
Avg EPS beat(12)6.24%
EPS beat(16)8
Avg EPS beat(16)14.56%
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)13.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.97%
EPS NY rev (1m)0.86%
EPS NY rev (3m)1.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.83%
Revenue NY rev (3m)-2.56%
Valuation
Industry RankSector Rank
PE 11.34
Fwd PE 8.18
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)3.04
EY8.82%
EPS(NY)4.21
Fwd EY12.22%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.29
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 11.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.89%
GM N/A
FCFM 39.16%
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-Score7
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF 5.3
Debt/EBITDA N/A
Cap/Depr 84.75%
Cap/Sales 5.36%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 196.91%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
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)21.64%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%72.62%
EPS Next Y38.49%
EPS Next 2Y27.21%
EPS Next 3Y21.63%
EPS Next 5YN/A
Revenue 1Y (TTM)1.62%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%-3.95%
Revenue Next Year6.12%
Revenue Next 2Y6.85%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-41.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.61%
FCF growth 3Y33.01%
FCF growth 5Y11.92%
OCF growth 1Y1.21%
OCF growth 3Y29.31%
OCF growth 5Y11.76%