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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 Framework: Banks & Lenders Mid Cap
Intercorp Financial Services Inc. (IFS), is a Mid Cap company, in the Banks - Regional industry, last closed at $59.16, about 94.3% undervalued vs fair value, +64.9% 1Y return, ranked 566/1078 in sector.
Metrics P/E 2.4× Rev Growth 5.7% ROE 16.6% Gross Margin 87.3% Div Yield 8.67%
USD 59.16
-1.32%
(Delayed)
• Vol 90d: 41.3%
52-Week Range
Market Cap
$6.44B
Enterprise Value
$5.49B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Aug 11 Estimated

Fair Value Snapshot

Bear Base Bull
$64
$115
$215
Current: $59.16 +94% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$6.8B
-2.4%%
Interest Expense
$2.1B
Net Interest Income
$4.7B
1.9%%
Total Revenue
$6.9B
5.7%%
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
15.6%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$669.4M
34.6% 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
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
57
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing IFS's balance between Growth (27.1%), Profitability (44.5%), and Safety (28.4%). Growth 27% Safety 28% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
49
Key Signals
EPS Growth YoY 52.1% 79p Asset Growth YoY 3.8% 45p Equity Growth YoY 13.1% 67p NII Growth YoY 1.9% 22p
Strengths
  • Net Interest Margin in top 20% of peers (4.9%, 91th percentile)
  • ROE in top 20% of peers (16.6%, 90th percentile)
  • ROA in top 20% of peers (1.4%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

79th percentile vs peers
80
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
51
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$114.95
- - -
+94.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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