INTERCORP FINANCIAL SERVICES (IFS)
PAL2400671A3 - Common Stock
IFS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 407 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.
1. Profitability
1.1 Basic Checks
In the past year IFS was profitable.
In the past 5 years IFS has always been profitable.
Of the past 5 years IFS 4 years had a positive operating cash flow.
1.2 Ratios
IFS has a Return On Assets of 1.15%. This is in the better half of the industry: IFS outperforms 78.27% of its industry peers.
With a decent Return On Equity value of 10.50%, IFS is doing good in the industry, outperforming 77.28% 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
With a Profit Margin value of 16.99%, IFS is not doing good in the industry: 68.40% of the companies in the same industry are doing better.
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
IFS has less shares outstanding than it did 1 year ago.
IFS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, IFS has an improved debt to assets ratio.
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.
With a Debt to FCF ratio value of 4.14, IFS is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
IFS has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
IFS has a Debt to Equity ratio of 1.27. This is amonst the worse of the industry: IFS underperforms 88.40% 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
The earnings per share for IFS have decreased by -6.29% in the last year.
The Earnings Per Share has been decreasing by -1.02% on average over the past years.
IFS shows a decrease in Revenue. In the last year, the revenue decreased by -4.95%.
IFS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.79% yearly.
EPS 1Y (TTM)-6.29%
EPS 3Y40.16%
EPS 5Y-1.02%
EPS Q2Q%96.96%
Revenue 1Y (TTM)-4.95%
Revenue growth 3Y6.66%
Revenue growth 5Y6.79%
Sales Q2Q%17.93%
3.2 Future
The Earnings Per Share is expected to grow by 20.34% 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 7.48% on average per year.
EPS Next Y10.64%
EPS Next 2Y29.54%
EPS Next 3Y24.98%
EPS Next 5Y20.34%
Revenue Next Year1.64%
Revenue Next 2Y5.51%
Revenue Next 3Y7.04%
Revenue Next 5Y7.48%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.34, which indicates a very decent valuation of IFS.
IFS's Price/Earnings ratio is a bit cheaper when compared to the industry. IFS is cheaper than 72.59% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFS to the average of the S&P500 Index (27.20), we can say IFS is valued rather cheaply.
A Price/Forward Earnings ratio of 6.92 indicates a rather cheap valuation of IFS.
93.09% of the companies in the same industry are more expensive than IFS, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.73. IFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.34 | ||
| Fwd PE | 6.92 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
IFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
IFS's earnings are expected to grow with 24.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.07
PEG (5Y)N/A
EPS Next 2Y29.54%
EPS Next 3Y24.98%
5. Dividend
5.1 Amount
IFS has a Yearly Dividend Yield of 3.46%.
IFS's Dividend Yield is a higher than the industry average which is at 3.21.
Compared to an average S&P500 Dividend Yield of 2.36, IFS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 2Y29.54%
EPS Next 3Y24.98%
INTERCORP FINANCIAL SERVICES
NYSE:IFS (12/20/2024, 8:18:02 PM)
After market: 29.04 0 (0%)29.04
+0.1 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.68%
Inst Owner Change15.64%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.32B
Analysts82.22
Price Target33.38 (14.94%)
Short Float %0.24%
Short Ratio0.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
Dividend Growth(5Y)-0.9%
DP38.92%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.19%
Min EPS beat(2)13.91%
Max EPS beat(2)16.47%
EPS beat(4)3
Avg EPS beat(4)36.37%
Min EPS beat(4)-39.11%
Max EPS beat(4)154.23%
EPS beat(8)3
Avg EPS beat(8)6.24%
EPS beat(12)4
Avg EPS beat(12)3.02%
EPS beat(16)8
Avg EPS beat(16)15.9%
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)0%
PT rev (3m)7.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.88%
EPS NY rev (1m)1.49%
EPS NY rev (3m)-12.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.45%
Revenue NY rev (3m)-1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.34 | ||
| Fwd PE | 6.92 | ||
| 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)2.56
EY8.82%
EPS(NY)4.2
Fwd EY14.45%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)1.07
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 10.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.99% | ||
| GM | N/A | ||
| FCFM | 49.66% |
ROA(3y)1.7%
ROA(5y)1.51%
ROE(3y)15.79%
ROE(5y)13.59%
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 3Y32.13%
PM growth 5Y-6.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 4.14 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 88.93% | ||
| Cap/Sales | 5.66% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 292.29% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)104.27%
Cap/Depr(5y)97.11%
Cap/Sales(3y)5.03%
Cap/Sales(5y)4.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.29%
EPS 3Y40.16%
EPS 5Y-1.02%
EPS Q2Q%96.96%
EPS Next Y10.64%
EPS Next 2Y29.54%
EPS Next 3Y24.98%
EPS Next 5Y20.34%
Revenue 1Y (TTM)-4.95%
Revenue growth 3Y6.66%
Revenue growth 5Y6.79%
Sales Q2Q%17.93%
Revenue Next Year1.64%
Revenue Next 2Y5.51%
Revenue Next 3Y7.04%
Revenue Next 5Y7.48%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-40.84%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y273.76%
FCF growth 3Y-42.31%
FCF growth 5YN/A
OCF growth 1Y336.96%
OCF growth 3Y-39.52%
OCF growth 5YN/A