Intercorp Financial Services In IFS

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
52/100
Moderate

Ranked against 399 peers in Banks - Regional

About Intercorp Financial Services In

Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also engages in … Full IFS analysis →

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.71).
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.69).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.17).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
55
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where IFS ranks in Banks - Regional

Intercorp Financial Services In ranks #184 of 393 scored companies in Banks - Regional by moat score — the top 47%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
180 PFIS PFIS 52/100 Moderate
181 Pioneer Bancorp, Inc. PBFS 52/100 Moderate
182 Bridgewater Bancshares, Inc. BWB 52/100 Moderate
183 Bridgewater Bancshares, Inc. - BWBBP 52/100 Moderate
184 Intercorp Financial Services In IFS 52/100 Moderate
185 U.S. Bancorp USB 52/100 Moderate
186 Texas Capital Bancshares, Inc. TCBI 51/100 Moderate
187 FS Bancorp, Inc. FSBW 51/100 Moderate
188 Metropolitan Bank Holding Corp. MCB 51/100 Moderate

See every Banks & Lenders company ranked by moat score →

How IFS scores on the Bank Specialized defenses

Deposit Franchise

Score 55 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 44 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 48 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 43 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 66 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 56 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding IFS's moat

What is Intercorp Financial Services In's moat score?

Intercorp Financial Services In (IFS) scores 52 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #184 of 393 scored companies in Banks - Regional, the top 47%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (66/100) and its weakest is Cost Discipline (43/100).

How does Intercorp Financial Services In compare with other Banks - Regional companies?

Intercorp Financial Services In ranks #184 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Bridgewater Bancshares, Inc. - (BWBBP) at 52 just above it and U.S. Bancorp (USB) at 52 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Intercorp Financial Services In scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Intercorp Financial Services In?

The Bank Specialized template measures 6 defenses, and IFS scores: Deposit Franchise (55), Lending Advantage (44), Capital Strength (48), Cost Discipline (43), Revenue Diversification (66), Risk Management (56). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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