INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis

NYSE:IFS • PAL2400671A3

48.38 USD
-1.14 (-2.3%)
At close: Feb 27, 2026
48.38 USD
0 (0%)
After Hours: 2/27/2026, 8:10:48 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall IFS gets a fundamental rating of 3 out of 10. We evaluated IFS against 379 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • IFS had positive earnings in the past year.
  • In the past 5 years IFS has always 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 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 99.74% of the companies in the same industry.
Industry RankSector Rank
ROA 3.44%
ROE 27.59%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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

  • The Profit Margin of IFS (26.14%) is better than 60.95% of its industry peers.
  • In the last couple of years the Profit Margin of IFS has grown nicely.
  • 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) 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • There is no outstanding debt for IFS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
IFS Yearly Shares OutstandingIFS Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 has a worse Debt to FCF ratio (9.73) than 77.31% of its industry peers.
  • A Debt/Equity ratio of 1.03 is on the high side and indicates that IFS has dependencies on debt financing.
  • The Debt to Equity ratio of IFS (1.03) is worse than 84.43% of its industry peers.
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 2B 4B 6B 8B

More info and screens

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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.40% over the past year.
  • Measured over the past years, IFS shows a very strong growth in Earnings Per Share. The EPS has been growing by 39.62% on average per year.
  • Looking at the last year, IFS shows a very strong growth in Revenue. The Revenue has grown by 99.37%.
  • The Revenue has been growing slightly by 4.35% on average over the past years.
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

  • IFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.62% yearly.
  • The Revenue is expected to grow by 3.51% on average over the next years.
EPS Next Y12.92%
EPS Next 2Y10.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.75%
Revenue Next 2Y3.51%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • 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 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • IFS is valuated reasonably with a Price/Earnings ratio of 10.04.
  • IFS's Price/Earnings ratio is a bit cheaper when compared to the industry. IFS is cheaper than 78.89% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of IFS to the average of the S&P500 Index (27.07), we can say IFS is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.89, the valuation of IFS can be described as very reasonable.
  • 79.16% of the companies in the same industry are more expensive than IFS, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, IFS is valued rather cheaply.
Industry RankSector Rank
PE 10.04
Fwd PE 8.89
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.
PEG (NY)0.78
PEG (5Y)0.25
EPS Next 2Y10.62%
EPS Next 3YN/A

More info and screens

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.98%, IFS has a reasonable but not impressive dividend return.
  • IFS's Dividend Yield is slightly below the industry average, which is at 2.73.
  • IFS's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.98%

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.
  • IFS has decreased its dividend 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 2Y10.62%
EPS Next 3YN/A
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

More info and screens

Find the best dividend stocksShow peers with best dividend

INTERCORP FINANCIAL SERVICES

NYSE:IFS (2/27/2026, 8:10:48 PM)

After market: 48.38 0 (0%)

48.38

-1.14 (-2.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-11
Inst Owners25.61%
Inst Owner Change-2.3%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.40B
Revenue(TTM)13.03B
Net Income(TTM)3.41B
Analysts85.71
Price Target56.44 (16.66%)
Short Float %0.65%
Short Ratio0.87
Dividend
Industry RankSector Rank
Dividend Yield 1.98%
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)8.5%
PT rev (3m)11.78%
EPS NQ rev (1m)4.07%
EPS NQ rev (3m)4.07%
EPS NY rev (1m)0%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.96%
Valuation
Industry RankSector Rank
PE 10.04
Fwd PE 8.89
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
EY9.96%
EPS(NY)5.44
Fwd EY11.24%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.78
PEG (5Y)0.25
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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 Y12.92%
EPS Next 2Y10.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)99.37%
Revenue growth 3Y-2.06%
Revenue growth 5Y4.35%
Sales Q2Q%10.39%
Revenue Next Year3.75%
Revenue Next 2Y3.51%
Revenue Next 3YN/A
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 FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to IFS.


What is the valuation status for IFS stock?

ChartMill assigns a valuation rating of 5 / 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 3 / 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%.