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Company Analysis

Intercorp Financial Services In IFS

A comprehensive view of key metrics, scores, and financial health for Intercorp Financial Services In

Overview of Intercorp Financial Services Inc.

IFS NYQ
Financial Services Banks - Regional Mid Cap
Intercorp Financial Services Inc. (IFS), is a Mid Cap company, in the Banks - Regional industry, last closed at $44.78, about 140.3% undervalued vs fair value, +33.2% 1Y return, ranked 754/1004 in sector.
$44.78
0.09%
As of March 13, 2026
Previous close • Vol 90d: 30.8%
52-Week Range
Market Cap
$5.19B
Enterprise Value
$5.98B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.ifs.com.pe
HQ Lima
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$60
$108
$202
Current: $44.78 +140% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$7.0B
-1.4%%
Interest Expense
$2.1B
Net Interest Income
$4.7B
0.9%%
Total Revenue
$9.2B
41.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.9%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$643.5M
49.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Intercorp Financial Services In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
52
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing IFS's balance between Growth (21.0%), Profitability (36.9%), and Safety (42.1%). Growth 21% Safety 42% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

41th percentile vs peers
41
Key Signals
Asset Growth YoY 3.8% 50p Rev Growth YoY 41.4% 35p Revenue CAGR 3Y 16.2% 40p
Strengths
  • Roe in top 20% of peers (12.5%, 80th percentile)
  • Roa in top 20% of peers (1.4%, 85th percentile)
  • Roa in top 20% of peers (1.4%, 85th percentile)
  • Roe in top 20% of peers (12.5%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

72th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

83th percentile vs peers
83
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Intercorp Financial Services In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$107.62
- - -
+140.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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