INTERCORP FINANCIAL SERVICES (IFS) Fundamental Analysis & Valuation

NYSE:IFS • PAL2400671A3

Current stock price

50.23 USD
-0.02 (-0.04%)
Last:

This IFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. IFS Profitability Analysis

1.1 Basic Checks

  • IFS had positive earnings in the past year.
  • In the past 5 years IFS has always been profitable.
  • IFS had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

1.2 Ratios

  • IFS has a better Return On Assets (3.44%) than 99.74% of its industry peers.
  • Looking at the Return On Equity, with a value of 27.59%, IFS belongs to the top of the industry, outperforming 99.47% of the companies in the same industry.
Industry RankSector Rank
ROA 3.44%
ROE 27.59%
ROIC N/A
ROA(3y)1.5%
ROA(5y)1.68%
ROE(3y)12.78%
ROE(5y)14.99%
ROIC(3y)N/A
ROIC(5y)N/A
IFS Yearly ROA, ROE, ROICIFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • IFS has a Profit Margin of 26.14%. This is comparable to the rest of the industry: IFS outperforms 56.32% of its industry peers.
  • In the last couple of years the Profit Margin of IFS has grown nicely.
  • IFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.4%
PM growth 5Y32.44%
GM growth 3YN/A
GM growth 5YN/A
IFS Yearly Profit, Operating, Gross MarginsIFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. IFS Health Analysis

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.
  • Compared to 1 year ago, IFS has an improved debt to assets ratio.
IFS Yearly Shares OutstandingIFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
IFS Yearly Total Debt VS Total AssetsIFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of IFS is 9.73, which is on the high side as it means it would take IFS, 9.73 years of fcf income to pay off all of its debts.
  • IFS's Debt to FCF ratio of 9.73 is on the low side compared to the rest of the industry. IFS is outperformed by 76.84% of its industry peers.
  • IFS has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.03, IFS is not doing good in the industry: 84.74% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 9.73
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. IFS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.40% over the past year.
  • IFS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.62% yearly.
  • The Revenue has grown by 99.37% in the past year. This is a very strong growth!
  • Measured over the past years, IFS shows a small growth in Revenue. The Revenue has been growing by 4.35% on average per year.
EPS 1Y (TTM)58.4%
EPS 3Y8.71%
EPS 5Y39.62%
EPS Q2Q%7.89%
Revenue 1Y (TTM)99.37%
Revenue growth 3Y-2.06%
Revenue growth 5Y4.35%
Sales Q2Q%10.39%

3.2 Future

  • Based on estimates for the next years, IFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.55% on average per year.
  • Based on estimates for the next years, IFS will show a quite strong growth in Revenue. The Revenue will grow by 13.06% on average per year.
EPS Next Y13.47%
EPS Next 2Y12.93%
EPS Next 3Y14.55%
EPS Next 5YN/A
Revenue Next Year7.25%
Revenue Next 2Y7.32%
Revenue Next 3Y13.06%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
IFS Yearly Revenue VS EstimatesIFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
IFS Yearly EPS VS EstimatesIFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

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5

4. IFS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.42, the valuation of IFS can be described as reasonable.
  • Based on the Price/Earnings ratio, IFS is valued a bit cheaper than the industry average as 73.16% of the companies are valued more expensively.
  • IFS is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.19, the valuation of IFS can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, IFS is valued a bit cheaper than the industry average as 74.74% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of IFS to the average of the S&P500 Index (22.84), we can say IFS is valued rather cheaply.
Industry RankSector Rank
PE 10.42
Fwd PE 9.19
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 5

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.
  • IFS's earnings are expected to grow with 14.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)0.26
EPS Next 2Y12.93%
EPS Next 3Y14.55%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. IFS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.08%, IFS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, IFS is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.88, IFS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.08%

5.2 History

  • The dividend of IFS decreases each year by -9.21%.
  • 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)-9.21%
Div Incr Years0
Div Non Decr Years1
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

  • 12.33% of the earnings are spent on dividend by IFS. This is a low number and sustainable payout ratio.
DP12.33%
EPS Next 2Y12.93%
EPS Next 3Y14.55%
IFS Yearly Income VS Free CF VS DividendIFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B
IFS Dividend Payout.IFS Dividend Payout, showing the Payout Ratio.IFS Dividend Payout.PayoutRetained Earnings

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IFS Fundamentals: All Metrics, Ratios and Statistics

INTERCORP FINANCIAL SERVICES

NYSE:IFS (4/2/2026, 8:04:00 PM)

50.23

-0.02 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-11
Inst Owners26.11%
Inst Owner Change-2.2%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.60B
Revenue(TTM)13.03B
Net Income(TTM)3.41B
Analysts85
Price Target56.44 (12.36%)
Short Float %0.87%
Short Ratio1
Dividend
Industry RankSector Rank
Dividend Yield 2.08%
Yearly DividendN/A
Dividend Growth(5Y)-9.21%
DP12.33%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.19%
Min EPS beat(2)-1.93%
Max EPS beat(2)10.31%
EPS beat(4)3
Avg EPS beat(4)15.31%
Min EPS beat(4)-1.93%
Max EPS beat(4)34.43%
EPS beat(8)6
Avg EPS beat(8)9.16%
EPS beat(12)7
Avg EPS beat(12)12.29%
EPS beat(16)8
Avg EPS beat(16)8.51%
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)8.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.07%
EPS NY rev (1m)0.49%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.37%
Revenue NY rev (3m)3.37%
Valuation
Industry RankSector Rank
PE 10.42
Fwd PE 9.19
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)4.82
EY9.6%
EPS(NY)5.47
Fwd EY10.88%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.77
PEG (5Y)0.26
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 3.44%
ROE 27.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.14%
GM N/A
FCFM 10.01%
ROA(3y)1.5%
ROA(5y)1.68%
ROE(3y)12.78%
ROE(5y)14.99%
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 3Y7.4%
PM growth 5Y32.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 9.73
Debt/EBITDA N/A
Cap/Depr 116.24%
Cap/Sales 4.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 38.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)104.64%
Cap/Depr(5y)102.76%
Cap/Sales(3y)6.05%
Cap/Sales(5y)5.41%
Profit Quality(3y)164.19%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)58.4%
EPS 3Y8.71%
EPS 5Y39.62%
EPS Q2Q%7.89%
EPS Next Y13.47%
EPS Next 2Y12.93%
EPS Next 3Y14.55%
EPS Next 5YN/A
Revenue 1Y (TTM)99.37%
Revenue growth 3Y-2.06%
Revenue growth 5Y4.35%
Sales Q2Q%10.39%
Revenue Next Year7.25%
Revenue Next 2Y7.32%
Revenue Next 3Y13.06%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-42.69%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.02%
FCF growth 3YN/A
FCF growth 5Y-36.61%
OCF growth 1Y-37.17%
OCF growth 3YN/A
OCF growth 5Y-32.44%

INTERCORP FINANCIAL SERVICES / IFS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for INTERCORP FINANCIAL SERVICES?

ChartMill assigns a fundamental rating of 4 / 10 to IFS.


Can you provide the valuation status for INTERCORP FINANCIAL SERVICES?

ChartMill assigns a valuation rating of 5 / 10 to INTERCORP FINANCIAL SERVICES (IFS). This can be considered as Fairly Valued.


What is the profitability of IFS stock?

INTERCORP FINANCIAL SERVICES (IFS) has a profitability rating of 4 / 10.


Can you provide the financial health for IFS stock?

The financial health rating of INTERCORP FINANCIAL SERVICES (IFS) is 1 / 10.


Is the dividend of INTERCORP FINANCIAL SERVICES sustainable?

The dividend rating of INTERCORP FINANCIAL SERVICES (IFS) is 3 / 10 and the dividend payout ratio is 12.33%.