INTERCORP FINANCIAL SERVICES(NYSE:IFS) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, IFS scores 3 out of 10 in our fundamental rating. IFS was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of IFS have multiple concerns. IFS has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year IFS was profitable.

Each year in the past 5 years IFS has 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 78.64% of its industry peers.

IFS's Return On Equity of 10.50% is fine compared to the rest of the industry. IFS outperforms 78.14% of its industry peers.

		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

The Profit Margin of IFS (16.99%) is worse than 68.84% of its industry peers.

In the last couple of years the Profit Margin of IFS has declined.

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

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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

IFS has more shares outstanding than it did 5 years ago.

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

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.

Looking at the Debt to FCF ratio, with a value of 4.14, IFS is doing worse than 60.80% of the companies in the same industry.

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 88.94% 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

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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 for IFS have decreased by -6.29% in the last year.

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.

Measured over the past years, IFS shows a small growth in Revenue. The Revenue has been growing by 6.79% on average per year.

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

The Revenue is expected to grow by 7.48% on average over the next years.

EPS Next Y11.14%

EPS Next 2Y28.68%

EPS Next 3Y24.09%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.70 indicates a reasonable valuation of IFS.

Compared to the rest of the industry, the Price/Earnings ratio of IFS indicates a somewhat cheap valuation: IFS is cheaper than 69.60% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.36, IFS is valued rather cheaply.

A Price/Forward Earnings ratio of 7.23 indicates a rather cheap valuation of IFS.

93.22% of the companies in the same industry are more expensive than IFS, based on the Price/Forward Earnings ratio.

IFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.49.

		Industry Rank	Sector Rank
PE	11.7
Fwd PE	7.23

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.

A more expensive valuation may be justified as IFS's earnings are expected to grow with 24.09% in the coming years.

PEG (NY)1.05

PEG (5Y)N/A

EPS Next 2Y28.68%

EPS Next 3Y24.09%

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5. Dividend

5.1 Amount

IFS has a Yearly Dividend Yield of 3.34%.

Compared to an average industry Dividend Yield of 3.15, IFS pays a bit more dividend than its industry peers.

IFS's Dividend Yield is a higher than the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	3.34%

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 2Y28.68%

EPS Next 3Y24.09%

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INTERCORP FINANCIAL SERVICES

NYSE:IFS (2/3/2025, 6:40:00 PM)

After market: 30.0129 +0.06 (+0.21%)

29.95

+0.17 (+0.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-13 2024-11-13/bmo

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

Inst Owners24.68%

Inst Owner Change1.67%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap3.43B

Analysts82.22

Price Target35.93 (19.97%)

Short Float %0.23%

Short Ratio0.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.34%

Yearly Dividend4.46

Dividend Growth(5Y)-0.9%

DP38.92%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

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)5.53%

PT rev (3m)15.59%

EPS NQ rev (1m)2.18%

EPS NQ rev (3m)-13.02%

EPS NY rev (1m)0.45%

EPS NY rev (3m)1.91%

Revenue NQ rev (1m)5.17%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.45%

Valuation

		Industry Rank	Sector Rank
PE	11.7
Fwd PE	7.23
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

EY8.55%

EPS(NY)4.14

Fwd EY13.82%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)1.05

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 Y11.14%

EPS Next 2Y28.68%

EPS Next 3Y24.09%

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

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