INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:IFS - PAL2400671A3 - Common Stock
41.02 USD
+0.49 (+1.21%)
We assign a fundamental rating of 4 out of 10 to IFS. IFS was compared to 387 industry peers in the Banks industry. IFS has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFS is not valued too expensively and it also shows a decent growth rate.
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
Looking at the Return On Assets, with a value of 1.94%, IFS belongs to the top of the industry, outperforming 95.87% of the companies in the same industry.
The Return On Equity of IFS (16.60%) is better than 95.87% of its industry peers.
| 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's Profit Margin of 27.26% is fine compared to the rest of the industry. IFS outperforms 67.96% of its industry peers.
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) | 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
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.
IFS has a better debt/assets ratio than last year.
2.2 Solvency
IFS has a debt to FCF ratio of 15.61. This is a negative value and a sign of low solvency as IFS would need 15.61 years to pay back of all of its debts.
IFS has a worse Debt to FCF ratio (15.61) than 81.65% of its industry peers.
A Debt/Equity ratio of 1.25 is on the high side and indicates that IFS has dependencies on debt financing.
With a Debt to Equity ratio value of 1.25, IFS is not doing good in the industry: 86.30% 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
The Earnings Per Share has grown by an impressive 84.58% over the past year.
The Earnings Per Share has been decreasing by -2.30% on average over the past years.
The Revenue has been growing slightly by 3.38% in the past year.
IFS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.53% yearly.
EPS 1Y (TTM)84.58%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%23.51%
Revenue 1Y (TTM)3.38%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%3.52%
3.2 Future
Based on estimates for the next years, IFS will show a very strong growth in Earnings Per Share. The EPS will grow by 24.69% on average per year.
The Revenue is expected to grow by 7.15% on average over the next years.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.67 indicates a reasonable valuation of IFS.
92.51% of the companies in the same industry are more expensive than IFS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of IFS to the average of the S&P500 Index (26.37), we can say IFS is valued rather cheaply.
IFS is valuated cheaply with a Price/Forward Earnings ratio of 7.66.
89.66% of the companies in the same industry are more expensive than IFS, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of IFS to the average of the S&P500 Index (36.20), we can say IFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 7.66 |
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.
IFS's earnings are expected to grow with 24.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y32.69%
EPS Next 3Y24.69%
5. Dividend
5.1 Amount
IFS has a Yearly Dividend Yield of 2.50%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, IFS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, IFS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
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
IFS pays out 22.16% of its income as dividend. This is a sustainable payout ratio.
DP22.16%
EPS Next 2Y32.69%
EPS Next 3Y24.69%
NYSE:IFS (12/4/2025, 11:31:28 AM)
41.02
+0.49 (+1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.81%
Inst Owner Change3.36%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.58B
Revenue(TTM)7.37B
Net Income(TTM)1.90B
Analysts85.71
Price Target50.49 (23.09%)
Short Float %0.28%
Short Ratio0.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
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)8.91%
PT rev (3m)8.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.26%
EPS NY rev (1m)0%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 7.66 | ||
| 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)4.73
EY11.53%
EPS(NY)5.35
Fwd EY13.05%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.17
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)84.58%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%23.51%
EPS Next Y51.32%
EPS Next 2Y32.69%
EPS Next 3Y24.69%
EPS Next 5YN/A
Revenue 1Y (TTM)3.38%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%3.52%
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%.