INTERCORP FINANCIAL SERVICES (IFS)
PAL2400671A3 - Common Stock
Overall IFS gets a fundamental rating of 3 out of 10. We evaluated IFS against 404 industry peers in the Banks industry. IFS may be in some trouble as it scores bad on both profitability and health. IFS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year IFS was profitable.
Each year in the past 5 years IFS has been profitable.
IFS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.15%, IFS is doing good in the industry, outperforming 77.06% of the companies in the same industry.
With a decent Return On Equity value of 10.50%, IFS is doing good in the industry, outperforming 72.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 10.5% | ||
| ROIC | N/A |
ROA(3y)1.7%
ROA(5y)1.51%
ROE(3y)15.79%
ROE(5y)13.59%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 16.99%, IFS is doing worse than 69.33% of the companies in the same industry.
IFS's Profit Margin has declined in the last couple of years.
IFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y32.13%
PM growth 5Y-6.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for IFS has been reduced compared to 1 year ago.
IFS has more shares outstanding than it did 5 years ago.
IFS has a better debt/assets ratio than last year.
2.2 Solvency
IFS has a debt to FCF ratio of 4.14. This is a neutral value as IFS would need 4.14 years to pay back of all of its debts.
IFS has a worse Debt to FCF ratio (4.14) than 60.60% of its industry peers.
A Debt/Equity ratio of 1.27 is on the high side and indicates that IFS has dependencies on debt financing.
The Debt to Equity ratio of IFS (1.27) is worse than 87.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 4.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 86.01%, which is quite impressive.
Measured over the past years, IFS shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.02% on average per year.
Looking at the last year, IFS shows a decrease in Revenue. The Revenue has decreased by -4.95% in the last year.
The Revenue has been growing slightly by 6.79% on average over the past years.
EPS 1Y (TTM)86.01%
EPS 3Y40.16%
EPS 5Y-1.02%
EPS Q2Q%645.34%
Revenue 1Y (TTM)-4.95%
Revenue growth 3Y6.66%
Revenue growth 5Y6.79%
Sales Q2Q%303.38%
3.2 Future
The Earnings Per Share is expected to grow by 24.43% on average over the next years. This is a very strong growth
Based on estimates for the next years, IFS will show a small growth in Revenue. The Revenue will grow by 6.70% on average per year.
EPS Next Y9.02%
EPS Next 2Y27.45%
EPS Next 3Y24.43%
EPS Next 5YN/A
Revenue Next Year0.19%
Revenue Next 2Y5.03%
Revenue Next 3Y6.7%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 5.60, the valuation of IFS can be described as very cheap.
96.01% of the companies in the same industry are more expensive than IFS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of IFS to the average of the S&P500 Index (28.65), we can say IFS is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.01, the valuation of IFS can be described as very cheap.
93.52% of the companies in the same industry are more expensive than IFS, based on the Price/Forward Earnings ratio.
IFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.6 | ||
| Fwd PE | 7.01 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
IFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as IFS's earnings are expected to grow with 24.43% in the coming years.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y27.45%
EPS Next 3Y24.43%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.55%, IFS has a reasonable but not impressive dividend return.
IFS's Dividend Yield is a higher than the industry average which is at 3.02.
Compared to an average S&P500 Dividend Yield of 2.22, IFS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
5.2 History
The dividend of IFS decreases each year by -0.90%.
IFS has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-0.9%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
IFS pays out 38.92% of its income as dividend. This is a sustainable payout ratio.
DP38.92%
EPS Next 2Y27.45%
EPS Next 3Y24.43%
INTERCORP FINANCIAL SERVICES
NYSE:IFS (11/19/2024, 11:29:02 AM)
28.46
+0.25 (+0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.26B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.6 | ||
| Fwd PE | 7.01 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.62
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 10.5% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 16.99% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)86.01%
EPS 3Y40.16%
EPS 5Y
EPS Q2Q%
EPS Next Y9.02%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.95%
Revenue growth 3Y6.66%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y