IFS Fundamental Analysis - INTERCORP FINANCIAL SERVICES

Fundamental Rating

IFS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 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.

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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.

1.2 Ratios

With an excellent Return On Assets value of 1.94%, IFS belongs to the best of the industry, outperforming 96.46% of the companies in the same industry.

IFS's Return On Equity of 16.60% is amongst the best of the industry. IFS outperforms 96.21% 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 70.71% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, IFS has an improved debt to assets ratio.

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 has a Debt to FCF ratio of 15.61. This is amonst the worse of the industry: IFS underperforms 80.81% 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.

Looking at the Debt to Equity ratio, with a value of 1.25, IFS is doing worse than 86.11% of the companies in the same industry.

		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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Earnings Per Share has been decreasing by -2.30% on average over the past years.

IFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.39%.

IFS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.53% yearly.

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 24.35% yearly.

IFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.15% yearly.

EPS Next Y46.2%

EPS Next 2Y32.01%

EPS Next 3Y24.35%

EPS Next 5YN/A

Revenue Next Year9.4%

Revenue Next 2Y10.1%

Revenue Next 3Y7.15%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.06, the valuation of IFS can be described as very reasonable.

89.39% of the companies in the same industry are more expensive than IFS, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.06, IFS is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 7.71, the valuation of IFS can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of IFS indicates a rather cheap valuation: IFS is cheaper than 88.38% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.69. IFS is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.06
Fwd PE	7.71

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

IFS's 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 24.35% in the coming years.

PEG (NY)0.2

PEG (5Y)N/A

EPS Next 2Y32.01%

EPS Next 3Y24.35%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.46%, IFS has a reasonable but not impressive dividend return.

IFS's Dividend Yield is slightly below the industry average, which is at 3.56.

IFS's Dividend Yield is comparable with the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	2.46%

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 2Y32.01%

EPS Next 3Y24.35%

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (9/5/2025, 8:22:15 PM)

After market: 40.84 0 (0%)

40.84

+0.1 (+0.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-11 2025-08-11/amc

Earnings (Next)11-06 2025-11-06

Inst Owners26.11%

Inst Owner Change10.4%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap4.56B

Analysts85.71

Price Target46.36 (13.52%)

Short Float %0.19%

Short Ratio0.3

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.46%

Yearly DividendN/A

Dividend Growth(5Y)-8.3%

DP22.16%

Div Incr Years0

Div Non Decr Years1

Ex-Date04-24 2025-04-24 (1)

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)9.65%

PT rev (3m)9.65%

EPS NQ rev (1m)-1.17%

EPS NQ rev (3m)-8.62%

EPS NY rev (1m)3.15%

EPS NY rev (3m)4.17%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)2.73%

Revenue NY rev (3m)2.73%

Valuation

		Industry Rank	Sector Rank
PE	9.06
Fwd PE	7.71
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

EY11.04%

EPS(NY)5.3

Fwd EY12.98%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)0.2

PEG (5Y)N/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

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 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 Y46.2%

EPS Next 2Y32.01%

EPS Next 3Y24.35%

EPS Next 5YN/A

Revenue 1Y (TTM)8.39%

Revenue growth 3Y5.51%

Revenue growth 5Y5.53%

Sales Q2Q%0.83%

Revenue Next Year9.4%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens