INTERCORP FINANCIAL SERVICES (IFS)

PAL2400671A3 - Common Stock

21.66  +0.11 (+0.51%)

After market: 21.66 0 (0%)

Fundamental Rating

3

Overall IFS gets a fundamental rating of 3 out of 10. We evaluated IFS against 412 industry peers in the Banks industry. Both the profitability and financial health of IFS have multiple concerns. IFS has a valuation in line with the averages, but on the other hand it scores bad on growth.



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3

1. Profitability

1.1 Basic Checks

In the past year IFS was profitable.
In the past 5 years IFS has always been profitable.
IFS had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of IFS (1.20%) is better than 77.18% of its industry peers.
With a decent Return On Equity value of 10.78%, IFS is doing good in the industry, outperforming 65.78% of the companies in the same industry.
Industry RankSector Rank
ROA 1.2%
ROE 10.78%
ROIC N/A
ROA(3y)1.7%
ROA(5y)1.51%
ROE(3y)15.79%
ROE(5y)13.59%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 16.59%, IFS is doing worse than 76.70% of the companies in the same industry.
IFS's Profit Margin has declined in the last couple of years.
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) 16.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y31.01%
PM growth 5Y-7.03%
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, IFS has less shares outstanding
IFS has more shares outstanding than it did 5 years ago.
The debt/assets ratio for IFS has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of IFS is 5.91, which is a neutral value as it means it would take IFS, 5.91 years of fcf income to pay off all of its debts.
IFS's Debt to FCF ratio of 5.91 is on the low side compared to the rest of the industry. IFS is outperformed by 70.87% of its industry peers.
A Debt/Equity ratio of 1.45 is on the high side and indicates that IFS has dependencies on debt financing.
IFS has a worse Debt to Equity ratio (1.45) than 88.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.45
Debt/FCF 5.91
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

The earnings per share for IFS have decreased strongly by -33.32% in the last year.
The Earnings Per Share has been decreasing by -1.02% on average over the past years.
Looking at the last year, IFS shows a very negative growth in Revenue. The Revenue has decreased by -11.92% in the last year.
The Revenue has been growing slightly by 7.33% on average over the past years.
EPS 1Y (TTM)-33.32%
EPS 3Y40.16%
EPS 5Y-1.02%
EPS growth Q2Q-26.06%
Revenue 1Y (TTM)-11.92%
Revenue growth 3Y7.56%
Revenue growth 5Y7.33%
Revenue growth Q2Q-16.24%

3.2 Future

The Earnings Per Share is expected to grow by 28.99% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -4.66% on average over the next years.
EPS Next Y26.49%
EPS Next 2Y28.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.19%
Revenue Next 2Y-4.66%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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6

4. Valuation

4.1 Price/Earnings Ratio

IFS is valuated reasonably with a Price/Earnings ratio of 8.66.
Based on the Price/Earnings ratio, IFS is valued a bit cheaper than the industry average as 65.05% of the companies are valued more expensively.
IFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
With a Price/Forward Earnings ratio of 6.85, the valuation of IFS can be described as very cheap.
IFS's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFS is cheaper than 91.02% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of IFS to the average of the S&P500 Index (20.72), we can say IFS is valued rather cheaply.
Industry RankSector Rank
PE 8.66
Fwd PE 6.85

4.2 Price Multiples

Industry RankSector 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 28.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y28.99%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.59%, IFS is a good candidate for dividend investing.
IFS's Dividend Yield is a higher than the industry average which is at 3.84.
IFS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 4.59%

5.2 History

The dividend of IFS decreases each year by -0.90%.
IFS has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-0.9%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

47.71% of the earnings are spent on dividend by IFS. This is a bit on the high side, but may be sustainable.
DP47.71%
EPS Next 2Y28.99%
EPS Next 3YN/A

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (5/2/2024, 7:04:00 PM)

After market: 21.66 0 (0%)

21.66

+0.11 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.48B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.59%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.66
Fwd PE 6.85
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.33
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 10.78%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 16.59%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.45
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-33.32%
EPS 3Y40.16%
EPS 5Y
EPS growth Q2Q
EPS Next Y26.49%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-11.92%
Revenue growth 3Y7.56%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y