INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis
USA - NYSE:IFS - PAL2400671A3 - Common Stock
43.03 USD
+0.14 (+0.33%)
42.907 USD
-0.12 (-0.29%)
Taking everything into account, IFS scores 4 out of 10 in our fundamental rating. IFS was compared to 390 industry peers in the Banks industry. While IFS is still in line with the averages on profitability rating, there are concerns on its financial health. IFS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
IFS had positive earnings in the past year.
IFS had positive earnings in each of the past 5 years.
IFS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of IFS (1.94%) is better than 96.15% of its industry peers.
Looking at the Return On Equity, with a value of 16.60%, IFS belongs to the top of the industry, outperforming 96.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.94% | ||
| ROE | 16.6% | ||
| 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
IFS has a better Profit Margin (27.26%) than 70.77% of its industry peers.
In the last couple of years the Profit Margin of IFS has declined.
The Operating Margin and Gross Margin are not available for IFS so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.26% | ||
| 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
2. Health
2.1 Basic Checks
IFS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for IFS has been reduced compared to 5 years ago.
IFS has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of IFS is 15.61, which is on the high side as it means it would take IFS, 15.61 years of fcf income to pay off all of its debts.
IFS's Debt to FCF ratio of 15.61 is on the low side compared to the rest of the industry. IFS is outperformed by 82.05% of its industry peers.
IFS has a Debt/Equity ratio of 1.25. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.25, IFS is not doing good in the industry: 86.41% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 15.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 113.43%, which is quite impressive.
IFS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.30% yearly.
The Revenue has grown by 8.39% in the past year. This is quite good.
Measured over the past years, IFS shows a small growth in Revenue. The Revenue has been growing by 5.53% on average per year.
EPS 1Y (TTM)113.43%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%110.48%
Revenue 1Y (TTM)8.39%
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 24.69% 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 Y51.32%
EPS Next 2Y32.69%
EPS Next 3Y24.69%
EPS Next 5YN/A
Revenue Next Year17.13%
Revenue Next 2Y10.1%
Revenue Next 3Y7.15%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.54, the valuation of IFS can be described as very reasonable.
IFS's Price/Earnings ratio is a bit cheaper when compared to the industry. IFS is cheaper than 77.95% of the companies in the same industry.
IFS is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.04, the valuation of IFS can be described as very reasonable.
Based on the Price/Forward Earnings ratio, IFS is valued cheaper than 80.26% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. IFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.04 |
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 24.69% in the coming years.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y32.69%
EPS Next 3Y24.69%
5. Dividend
5.1 Amount
IFS has a Yearly Dividend Yield of 2.35%.
Compared to an average industry Dividend Yield of 3.51, IFS is paying slightly less dividend.
IFS's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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.
The dividend of IFS decreased recently.
Dividend Growth(5Y)-8.3%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
22.16% of the earnings are spent on dividend by IFS. This is a low number and sustainable payout ratio.
DP22.16%
EPS Next 2Y32.69%
EPS Next 3Y24.69%
43.03
+0.14 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.81%
Inst Owner Change-0.57%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.80B
Revenue(TTM)6.95B
Net Income(TTM)1.90B
Analysts85.71
Price Target46.36 (7.74%)
Short Float %0.48%
Short Ratio0.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
Yearly DividendN/A
Dividend Growth(5Y)-8.3%
DP22.16%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.43%
Min EPS beat(2)18.44%
Max EPS beat(2)34.43%
EPS beat(4)4
Avg EPS beat(4)21.88%
Min EPS beat(4)13.91%
Max EPS beat(4)34.43%
EPS beat(8)6
Avg EPS beat(8)24.08%
EPS beat(12)7
Avg EPS beat(12)14.16%
EPS beat(16)8
Avg EPS beat(16)10.4%
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)9.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)2.84%
EPS NY rev (3m)6.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.04 | ||
| 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
EY10.48%
EPS(NY)5.35
Fwd EY12.44%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.19
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.94% | ||
| ROE | 16.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.26% | ||
| GM | N/A | ||
| FCFM | 13.15% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 15.61 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 98.61% | ||
| Cap/Sales | 5.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 48.23% | ||
| 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)113.43%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%110.48%
EPS Next Y51.32%
EPS Next 2Y32.69%
EPS Next 3Y24.69%
EPS Next 5YN/A
Revenue 1Y (TTM)8.39%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%0.83%
Revenue Next Year17.13%
Revenue Next 2Y10.1%
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-65.08%
FCF growth 3Y33.01%
FCF growth 5Y11.92%
OCF growth 1Y-56.6%
OCF growth 3Y29.31%
OCF growth 5Y11.76%
INTERCORP FINANCIAL SERVICES / IFS FAQ
Can you provide the ChartMill fundamental rating for INTERCORP FINANCIAL SERVICES?
ChartMill assigns a fundamental rating of 4 / 10 to IFS.
What is the valuation status of INTERCORP FINANCIAL SERVICES (IFS) stock?
ChartMill assigns a valuation rating of 6 / 10 to INTERCORP FINANCIAL SERVICES (IFS). This can be considered as Fairly Valued.
Can you provide the profitability details for INTERCORP FINANCIAL SERVICES?
INTERCORP FINANCIAL SERVICES (IFS) has a profitability rating of 4 / 10.
Can you provide the dividend sustainability for IFS stock?
The dividend rating of INTERCORP FINANCIAL SERVICES (IFS) is 3 / 10 and the dividend payout ratio is 22.16%.