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INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis

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

34.61  -0.55 (-1.56%)

After market: 34.6114 0 (0%)

Fundamental Rating

3

Taking everything into account, IFS scores 3 out of 10 in our fundamental rating. IFS was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of IFS have multiple concerns. IFS is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

IFS had positive earnings in the past year.
IFS had positive earnings in each of the past 5 years.
IFS had a positive operating cash flow in 4 of the past 5 years.
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

IFS has a better Return On Assets (1.68%) than 93.92% of its industry peers.
Looking at the Return On Equity, with a value of 14.72%, IFS belongs to the top of the industry, outperforming 91.39% of the companies in the same industry.
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

IFS has a Profit Margin (23.95%) which is comparable to the rest of the industry.
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 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.
Compared to 5 years ago, IFS has less shares outstanding
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.
With a Debt to Equity ratio value of 1.29, IFS is not doing good in the industry: 87.85% of the companies in the same industry are doing better.
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.
Looking at the last year, IFS shows a small growth in Revenue. The Revenue has grown by 3.54% in the last 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)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

The Earnings Per Share is expected to grow by 21.63% on average over the next years. This is a very strong growth
Based on estimates for the next years, IFS will show a small growth in Revenue. The Revenue will grow by 2.83% on average per year.
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

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 decreasing: in the next years the growth will be less than in the last years.
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 9.16 indicates a reasonable valuation of IFS.
Based on the Price/Earnings ratio, IFS is valued cheaper than 84.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.25, IFS is valued rather cheaply.
A Price/Forward Earnings ratio of 6.89 indicates a rather cheap valuation of IFS.
Based on the Price/Forward Earnings ratio, IFS is valued cheaply inside the industry as 88.86% of the companies are valued more expensively.
IFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.15, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.16
Fwd PE 6.89
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

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 21.63% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y28.5%
EPS Next 3Y21.63%

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3

5. Dividend

5.1 Amount

IFS has a Yearly Dividend Yield of 2.85%. Purely for dividend investing, there may be better candidates out there.
IFS's Dividend Yield is comparable with the industry average which is at 3.45.
IFS's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.85%

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

26.65% of the earnings are spent on dividend by IFS. This is a low number and 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 (5/30/2025, 8:04:37 PM)

After market: 34.6114 0 (0%)

34.61

-0.55 (-1.56%)

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 Cap3.92B
Analysts85.71
Price Target40.75 (17.74%)
Short Float %0.65%
Short Ratio1
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
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 9.16
Fwd PE 6.89
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)3.78
EY10.92%
EPS(NY)5.02
Fwd EY14.51%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)0.23
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%