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INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis

NYSE:IFS - New York Stock Exchange, Inc. - PAL2400671A3 - Common Stock - Currency: USD

36.25  -0.43 (-1.17%)

After market: 36.25 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to IFS. IFS was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of IFS have multiple concerns. IFS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

1.2 Ratios

The Return On Assets of IFS (1.68%) is better than 93.92% of its industry peers.
IFS has a Return On Equity of 14.72%. This is amongst the best in the industry. IFS outperforms 91.39% of its industry peers.
Industry RankSector Rank
ROA 1.68%
ROE 14.72%
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
IFS Yearly ROA, ROE, ROICIFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

The Profit Margin of IFS (23.95%) is comparable to the rest of the 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) 23.95%
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
IFS Yearly Profit, Operating, Gross MarginsIFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

IFS has a Debt/Equity ratio of 1.29. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of IFS (1.29) is worse than 87.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF N/A
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 70.01% over the past year.
Measured over the past years, IFS shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.30% on average per year.
IFS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.54%.
IFS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.53% yearly.
EPS 1Y (TTM)70.01%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%225.46%
Revenue 1Y (TTM)3.54%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%-2.67%

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 21.63% on average per year.
The Revenue is expected to grow by 2.83% on average over the next years.
EPS Next Y40.35%
EPS Next 2Y28.5%
EPS Next 3Y21.63%
EPS Next 5YN/A
Revenue Next Year3.71%
Revenue Next 2Y5.27%
Revenue Next 3Y2.83%
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 decreasing.
IFS Yearly Revenue VS EstimatesIFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.59 indicates a reasonable valuation of IFS.
IFS's Price/Earnings ratio is a bit cheaper when compared to the industry. IFS is cheaper than 78.99% of the companies in the same industry.
IFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
A Price/Forward Earnings ratio of 7.22 indicates a rather cheap valuation of IFS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFS indicates a rather cheap valuation: IFS is cheaper than 85.57% of the companies listed in the same industry.
IFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.59
Fwd PE 7.22
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

IFS's 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 21.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y28.5%
EPS Next 3Y21.63%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.78%, IFS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.45, IFS has a dividend in line with its industry peers.
IFS's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.78%

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.
Dividend Growth(5Y)-8.3%
Div Incr Years0
Div Non Decr Years0
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

IFS pays out 26.65% of its income as dividend. This is a sustainable payout ratio.
DP26.65%
EPS Next 2Y28.5%
EPS Next 3Y21.63%
IFS Yearly Income VS Free CF VS DividendIFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B
IFS Dividend Payout.IFS Dividend Payout, showing the Payout Ratio.IFS Dividend Payout.PayoutRetained Earnings

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (5/27/2025, 4:15:00 PM)

After market: 36.25 0 (0%)

36.25

-0.43 (-1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-11 2025-08-11
Inst Owners28.43%
Inst Owner Change12.62%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.11B
Analysts85.71
Price Target40.75 (12.41%)
Short Float %0.65%
Short Ratio1
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly DividendN/A
Dividend Growth(5Y)-8.3%
DP26.65%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-24 2025-04-24 (1)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.59%
Min EPS beat(2)18.44%
Max EPS beat(2)20.74%
EPS beat(4)4
Avg EPS beat(4)17.39%
Min EPS beat(4)13.91%
Max EPS beat(4)20.74%
EPS beat(8)5
Avg EPS beat(8)17.39%
EPS beat(12)6
Avg EPS beat(12)8.04%
EPS beat(16)8
Avg EPS beat(16)10.35%
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)10.28%
EPS NQ rev (1m)-0.72%
EPS NQ rev (3m)-2.88%
EPS NY rev (1m)1.34%
EPS NY rev (3m)5.54%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.27%
Revenue NY rev (3m)-5.15%
Valuation
Industry RankSector Rank
PE 9.59
Fwd PE 7.22
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)3.78
EY10.43%
EPS(NY)5.02
Fwd EY13.85%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.24
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.68%
ROE 14.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.95%
GM N/A
FCFM 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
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-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 88.15%
Cap/Sales 5.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
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)70.01%
EPS 3Y-8.96%
EPS 5Y-2.3%
EPS Q2Q%225.46%
EPS Next Y40.35%
EPS Next 2Y28.5%
EPS Next 3Y21.63%
EPS Next 5YN/A
Revenue 1Y (TTM)3.54%
Revenue growth 3Y5.51%
Revenue growth 5Y5.53%
Sales Q2Q%-2.67%
Revenue Next Year3.71%
Revenue Next 2Y5.27%
Revenue Next 3Y2.83%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-41.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-112.72%
FCF growth 3Y33.01%
FCF growth 5Y11.92%
OCF growth 1Y-100.81%
OCF growth 3Y29.31%
OCF growth 5Y11.76%