IFS

Intercorp Financial Services Inc.

Fundamental data last updated:October 31, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

PE

Next Earnings Date

Pending Announcement

Business Summary

Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It provides transactional accounts, such as cuenta sueldo and cuenta simple; savings accounts; investment accounts; and time deposits, certificates of deposit, and compensation for service time accounts. The company also offers retail banking products, including credit cards, payroll deduction loans, mortgages, and consumer loans, as well as cash, student, and collateralized cash loans. In addition, the company provides corporate, medium-size business, and small business banking services; and commercial banking products, which include commercial real estate, vehicles, machinery and other goods, cash management, trade finance, and electronic factoring products. Further, it offers treasury and institutional banking, as well as securitization services. Additionally, the company provides annuities and conventional life insurance, and other retail insurance products, as well as financial advisory services for equities, fixed income, structured products, alternative investments, and managed accounts; brokerage, and investment management services. As of December 31, 2021, it operated 189 financial stores and 1,581 ATMs. Intercorp Financial Services Inc. was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.

 


VALUATION

P/E

Market Cap ($M USD)

Forward P/E

PEG

PRICE TO SALES

PRICE TO BOOK

EV / EBITDA

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

3.68%

Annual Payout

$6.11

Payout Ratio

20.35%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$18.60

Next Year EPS Growth Estimate

$24.54

Next Year Revenue Growth Estimate

$9.31B

Return on Equity (ROE)

17.36%

FREE CASH FLOW

Operating Margin

26.81%

Debt-to-Equity

1.03

Piotroski F-Score

9

Altman Z-Score

0.45

Return on Invested Capital (ROIC)

2.75%

Current Ratio

3.68

Quick Ratio

3.68

Net Debt to EBITDA

0.43

Interest Coverage

1.03

Gross Profit margin

67.26%

FCF PER SHARE

$30.63

REVENUE PER SHARE

$88.15

Gainseekers Quantitative Analysis

Summary

The market seems to be undervaluing IFS Intercorp Financial Services Inc. relative to its intrinsic worth. With a DCF value significantly above the recent pricing, the stock appears mispriced. The Forward P/E ratio of 1.84 suggests a bargain, while the Earnings Yield of 11.21% indicates robust earnings potential. However, the Altman Z-score of 0.40 raises red flags about financial distress, hinting at potential risks despite the attractive valuation.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, IFS is positioned to leverage AI and tech advancements to streamline operations and enhance customer experiences. As a regional bank, it can integrate AI-driven analytics to improve risk management and personalized banking solutions. This adaptability is crucial for maintaining competitiveness in a tech-driven landscape.

The Bull Case

For the value-driven investor, IFS offers compelling reasons to buy. The ROIC of 2.61% and a solid FCF Yield suggest efficient capital allocation and cash generation. A Piotroski F-Score of 6 indicates moderate financial health, while a 26.71% operating margin underscores strong pricing power. These metrics paint a picture of a company with the ability to generate and sustain profits.

The Bear Case

Despite its strengths, IFS faces notable challenges. The Altman Z-score signals potential financial instability, and the Price/Book ratio of 1.37 may suggest overvaluation relative to its assets. Additionally, with a Price to FCF of 15.80, cash flow generation might not justify the current valuation. The stock's proximity to its 52-week high could also indicate technical overextension, warranting caution.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$30.50

Institutional Ownership %

1-Year Beta

0.80

Insider Buying % (6 Mo)

Distance to 52-Week High

8.32%

Distance to 52-Week Low

30.10%

EARNINGS SURPRISE %

13.57%

50-DAY SMA

$47.53

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.