INTERCORP FINANCIAL SERVICES(NYSE:IFS) stock Fundamental Analysis

Fundamental Rating

Overall IFS gets a fundamental rating of 4 out of 10. We evaluated IFS against 401 industry peers in the Banks industry. IFS may be in some trouble as it scores bad on both profitability and health. IFS is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

IFS had positive earnings in the past year.

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 has a Return On Assets of 2.21%. This is amongst the best in the industry. IFS outperforms 96.26% of its industry peers.

With an excellent Return On Equity value of 19.35%, IFS belongs to the best of the industry, outperforming 96.51% of the companies in the same industry.

		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

With a Profit Margin value of 18.72%, IFS is not doing good in the industry: 64.34% of the companies in the same industry are doing better.

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

The number of shares outstanding for IFS has been reduced compared to 5 years ago.

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.

IFS has a Debt to FCF ratio of 5.30. This is in the lower half of the industry: IFS underperforms 64.34% of its industry peers.

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

The Debt to Equity ratio of IFS (1.24) is worse than 88.03% of its industry peers.

		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

IFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.64%, which is quite impressive.

The Earnings Per Share has been decreasing by -2.33% on average over the past years.

IFS shows a strong growth in Revenue. In the last year, 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

Based on estimates for the next years, IFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.89% on average per year.

Based on estimates for the next years, IFS will show a quite strong growth in Revenue. The Revenue will grow by 9.21% on average per year.

EPS Next Y32.99%

EPS Next 2Y26.28%

EPS Next 3Y19.89%

EPS Next 5YN/A

Revenue Next Year9.34%

Revenue Next 2Y9.5%

Revenue Next 3Y9.21%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

IFS is valuated reasonably with a Price/Earnings ratio of 10.59.

IFS's Price/Earnings ratio is a bit cheaper when compared to the industry. IFS is cheaper than 74.06% of the companies in the same industry.

IFS is valuated cheaply when we compare the Price/Earnings ratio to 29.71, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 7.96, 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 91.02% of the companies in the same industry.

IFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.34, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	7.96

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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 19.89% in the coming years.

PEG (NY)0.32

PEG (5Y)N/A

EPS Next 2Y26.28%

EPS Next 3Y19.89%

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5. Dividend

5.1 Amount

IFS has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.26, IFS has a dividend in line with its industry peers.

IFS's Dividend Yield is a higher than the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	3.13%

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 2Y26.28%

EPS Next 3Y19.89%

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (3/5/2025, 8:04:00 PM)

After market: 32.19 0 (0%)

32.19

+0.62 (+1.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)05-12 2025-05-12

Inst Owners28.43%

Inst Owner Change21.38%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap3.69B

Analysts85.71

Price Target36.95 (14.79%)

Short Float %0.33%

Short Ratio0.67

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.13%

Yearly DividendN/A

Dividend Growth(5Y)-8.3%

DP20.23%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

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)2.84%

PT rev (3m)10.7%

EPS NQ rev (1m)0.3%

EPS NQ rev (3m)0.3%

EPS NY rev (1m)-2.31%

EPS NY rev (3m)-3.18%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.4%

Revenue NY rev (3m)0.74%

Valuation

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	7.96
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

EY9.44%

EPS(NY)4.04

Fwd EY12.56%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)0.32

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 Y32.99%

EPS Next 2Y26.28%

EPS Next 3Y19.89%

EPS Next 5YN/A

Revenue 1Y (TTM)75.45%

Revenue growth 3Y1.12%

Revenue growth 5Y2.87%

Sales Q2Q%-3.95%

Revenue Next Year9.34%

Revenue Next 2Y9.5%

Revenue Next 3Y9.21%

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

More info and screens