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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 $45.01, about 139.1% undervalued vs fair value, +33.0% 1Y return, ranked 747/1037 in sector.
Metrics Rev Growth 41.4% ROE 15.7% Gross Margin 65.3% Div Yield 8.44%
$45.01
-0.24%
As of April 28, 2026
Previous close • Vol 90d: 37.7%
52-Week Range
Market Cap
$5.02B
Enterprise Value
$5.81B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings May 11 Estimated

Fair Value Snapshot

Bear Base Bull
$60
$108
$202
Current: $45.01 +139% 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

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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
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
58
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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 (28.8%), Profitability (37.8%), and Safety (33.4%). Growth 29% Safety 33% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

57th percentile vs peers
57
Key Signals
Asset Growth YoY 3.8% 50p NII Growth YoY 0.9% 48p EPS Growth YoY 22.0% 74p Equity Growth YoY 9.7% 68p
Strengths
  • Net Interest Margin in top 20% of peers (4.9%, 94th percentile)
  • ROE in top 20% of peers (15.7%, 92th percentile)
  • ROA in top 20% of peers (1.4%, 85th percentile)
  • Debt/Assets in top 20% of peers (12.9%, 88th percentile)
  • D/E Ratio in top 20% of peers (1.03, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

75th percentile vs peers
75
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
Safety drilldowns are available to premium members.

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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Bear
-
- - -
- upside
-
Base
$107.62
- - -
+139.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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