INTERCORP FINANCIAL SERVICES(NYSE:IFS) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, IFS scores 4 out of 10 in our fundamental rating. IFS was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of IFS have multiple concerns. IFS has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year IFS was profitable.

IFS had positive earnings in each of the past 5 years.

IFS had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

IFS's Return On Assets of 2.21% is amongst the best of the industry. IFS outperforms 96.23% of its industry peers.

IFS's Return On Equity of 19.35% is amongst the best of the industry. IFS outperforms 96.48% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.21%
ROE	19.35%
ROIC	N/A

ROA(3y)1.49%

ROA(5y)1.38%

ROE(3y)13.48%

ROE(5y)12.72%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

IFS has a Profit Margin of 18.72%. This is in the lower half of the industry: IFS underperforms 65.83% of its industry peers.

IFS's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for IFS so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	18.72%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.11%

PM growth 5Y-4.78%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, IFS has less shares outstanding

Compared to 5 years ago, IFS has less shares outstanding

The debt/assets ratio for IFS has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of IFS is 5.30, which is a neutral value as it means it would take IFS, 5.30 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 5.30, IFS is not doing good in the industry: 69.10% of the companies in the same industry are doing better.

A Debt/Equity ratio of 1.24 is on the high side and indicates that IFS has dependencies on debt financing.

With a Debt to Equity ratio value of 1.24, IFS is not doing good in the industry: 87.44% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	1.24
Debt/FCF	5.3
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.64% over the past year.

IFS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.33% yearly.

Looking at the last year, IFS shows a very strong growth in Revenue. The Revenue has grown by 75.45%.

IFS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.87% yearly.

EPS 1Y (TTM)21.64%

EPS 3Y-8.96%

EPS 5Y-2.33%

EPS Q2Q%72.62%

Revenue 1Y (TTM)75.45%

Revenue growth 3Y1.12%

Revenue growth 5Y2.87%

Sales Q2Q%-3.95%

3.2 Future

IFS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.63% yearly.

IFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.11% yearly.

EPS Next Y38.49%

EPS Next 2Y27.21%

EPS Next 3Y21.63%

EPS Next 5YN/A

Revenue Next Year8.1%

Revenue Next 2Y8.28%

Revenue Next 3Y6.11%

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.57, the valuation of IFS can be described as very reasonable.

67.34% of the companies in the same industry are more expensive than IFS, based on the Price/Earnings ratio.

IFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

The Price/Forward Earnings ratio is 7.63, which indicates a rather cheap valuation of IFS.

IFS's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFS is cheaper than 84.67% of the companies in the same industry.

IFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.57
Fwd PE	7.63

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 21.63% in the coming years.

PEG (NY)0.27

PEG (5Y)N/A

EPS Next 2Y27.21%

EPS Next 3Y21.63%

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5. Dividend

5.1 Amount

IFS has a Yearly Dividend Yield of 3.21%.

Compared to an average industry Dividend Yield of 3.58, IFS has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.51, IFS pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.21%

5.2 History

The dividend of IFS decreases each year by -8.30%.

IFS has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)-8.3%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

IFS pays out 20.23% of its income as dividend. This is a sustainable payout ratio.

DP20.23%

EPS Next 2Y27.21%

EPS Next 3Y21.63%

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (4/25/2025, 7:00:00 PM)

After market: 32.13 0 (0%)

32.13

+0.25 (+0.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-05 2025-02-05/amc

Earnings (Next)05-08 2025-05-08

Inst Owners28.43%

Inst Owner Change0.25%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap3.68B

Analysts85.71

Price Target40.75 (26.83%)

Short Float %0.4%

Short Ratio0.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.21%

Yearly DividendN/A

Dividend Growth(5Y)-8.3%

DP20.23%

Div Incr Years0

Div Non Decr Years0

Ex-Date04-24 2025-04-24 (1)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)17.33%

Min EPS beat(2)13.91%

Max EPS beat(2)20.74%

EPS beat(4)3

Avg EPS beat(4)3%

Min EPS beat(4)-39.11%

Max EPS beat(4)20.74%

EPS beat(8)4

Avg EPS beat(8)10.77%

EPS beat(12)5

Avg EPS beat(12)6.24%

EPS beat(16)8

Avg EPS beat(16)14.56%

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)10.28%

PT rev (3m)19.68%

EPS NQ rev (1m)7.65%

EPS NQ rev (3m)7.97%

EPS NY rev (1m)4.14%

EPS NY rev (3m)0.39%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-1.13%

Revenue NY rev (3m)-0.74%

Valuation

		Industry Rank	Sector Rank
PE	10.57
Fwd PE	7.63
P/S	N/A
P/FCF	N/A
P/OCF	N/A
P/B	N/A
P/tB	N/A
EV/EBITDA	N/A

EPS(TTM)3.04

EY9.46%

EPS(NY)4.21

Fwd EY13.11%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)0.27

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.21%
ROE	19.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.72%
GM	N/A
FCFM	22.66%

ROA(3y)1.49%

ROA(5y)1.38%

ROE(3y)13.48%

ROE(5y)12.72%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-11.11%

PM growth 5Y-4.78%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.12

Health

		Industry Rank	Sector Rank
Debt/Equity	1.24
Debt/FCF	5.3
Debt/EBITDA	N/A
Cap/Depr	84.75%
Cap/Sales	3.1%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	121.08%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)101.8%

Cap/Depr(5y)97.95%

Cap/Sales(3y)5.4%

Cap/Sales(5y)4.93%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)21.64%

EPS 3Y-8.96%

EPS 5Y-2.33%

EPS Q2Q%72.62%

EPS Next Y38.49%

EPS Next 2Y27.21%

EPS Next 3Y21.63%

EPS Next 5YN/A

Revenue 1Y (TTM)75.45%

Revenue growth 3Y1.12%

Revenue growth 5Y2.87%

Sales Q2Q%-3.95%

Revenue Next Year8.1%

Revenue Next 2Y8.28%

Revenue Next 3Y6.11%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-41.5%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y4.52%

FCF growth 3Y32.97%

FCF growth 5Y11.9%

OCF growth 1Y1.14%

OCF growth 3Y29.27%

OCF growth 5Y11.74%

INTERCORP FINANCIAL SERVICES (IFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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