IFS Stock Overview
Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru.
Intercorp Financial Services Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$25.21|
|52 Week High||US$36.50|
|52 Week Low||US$18.34|
|1 Month Change||12.85%|
|3 Month Change||-4.65%|
|1 Year Change||27.32%|
|3 Year Change||-37.75%|
|5 Year Change||-25.63%|
|Change since IPO||63.70%|
Recent News & Updates
|IFS||PE Banks||PE Market|
Return vs Industry: IFS exceeded the PE Banks industry which returned 12.9% over the past year.
Return vs Market: IFS exceeded the PE Market which returned 24.4% over the past year.
|IFS Average Weekly Movement||4.9%|
|Banks Industry Average Movement||4.1%|
|Market Average Movement||3.9%|
|10% most volatile stocks in PE Market||7.3%|
|10% least volatile stocks in PE Market||1.8%|
Stable Share Price: IFS is not significantly more volatile than the rest of PE stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: IFS's weekly volatility (5%) has been stable over the past year.
About the Company
|1897||7,378||Luis Felipe Castellanos Lopez-Torres||https://www.ifs.com.pe|
Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It provides transactional accounts, such as cuenta sueldo and cuenta simple; savings accounts; investment accounts; and time deposits, certificates of deposit, and compensation for service time accounts.
Intercorp Financial Services Fundamentals Summary
|IFS fundamental statistics|
Is IFS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|IFS income statement (TTM)|
|Cost of Revenue||S/0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 15, 2022
|Earnings per share (EPS)||14.42|
|Net Profit Margin||36.03%|
How did IFS perform over the long term?See historical performance and comparison
6.6%Current Dividend Yield
Is IFS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for IFS?
Other financial metrics that can be useful for relative valuation.
|What is IFS's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does IFS's PE Ratio compare to its peers?
|IFS PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
BBVAC1 Banco BBVA Perú
SCOTIAC1 Scotiabank PerúA
CREDITC1 Banco de Crédito del Perú
MIBANC1 Mibanco Banco de la Microempresa
IFS Intercorp Financial Services
Price-To-Earnings vs Peers: IFS is good value based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (9.1x).
Price to Earnings Ratio vs Industry
How does IFS's PE Ratio compare vs other companies in the South American Banks Industry?
Price-To-Earnings vs Industry: IFS is good value based on its Price-To-Earnings Ratio (6.7x) compared to the PE Banks industry average (9.8x)
Price to Earnings Ratio vs Fair Ratio
What is IFS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||6.7x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate IFS's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of IFS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: IFS ($25.21) is trading below our estimate of fair value ($32.3)
Significantly Below Fair Value: IFS is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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How is Intercorp Financial Services forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: IFS's forecast earnings growth (7.3% per year) is below the savings rate (7.7%).
Earnings vs Market: IFS's earnings (7.3% per year) are forecast to grow slower than the PE market (8.8% per year).
High Growth Earnings: IFS's earnings are forecast to grow, but not significantly.
Revenue vs Market: IFS's revenue (11.3% per year) is forecast to grow faster than the PE market (2.4% per year).
High Growth Revenue: IFS's revenue (11.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: IFS's Return on Equity is forecast to be low in 3 years time (16.5%).
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How has Intercorp Financial Services performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: IFS has a high level of non-cash earnings.
Growing Profit Margin: IFS's current net profit margins (36%) are higher than last year (29%).
Past Earnings Growth Analysis
Earnings Trend: IFS's earnings have grown by 6.5% per year over the past 5 years.
Accelerating Growth: IFS's earnings growth over the past year (117.3%) exceeds its 5-year average (6.5% per year).
Earnings vs Industry: IFS earnings growth over the past year (117.3%) underperformed the Banks industry 265.3%.
Return on Equity
High ROE: IFS's Return on Equity (18.6%) is considered low.
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How is Intercorp Financial Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: IFS's Assets to Equity ratio (9.5x) is low.
Allowance for Bad Loans: IFS has a sufficient allowance for bad loans (153%).
Low Risk Liabilities: 61% of IFS's liabilities are made up of primarily low risk sources of funding.
Loan Level: IFS has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: IFS's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: IFS has a high level of bad loans (3%).
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What is Intercorp Financial Services's current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: IFS's dividend (6.57%) is higher than the bottom 25% of dividend payers in the PE market (6.38%).
High Dividend: IFS's dividend (6.57%) is low compared to the top 25% of dividend payers in the PE market (25.21%).
Stability and Growth of Payments
Stable Dividend: IFS has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: IFS's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (48.4%), IFS's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: IFS's dividends in 3 years are forecast to be well covered by earnings (46.6% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Luis Felipe Castellanos Lopez-Torres (52 yo)
Lord Luis Felipe Castellanos Lopez Torres serves as a Director of Excelsa Acquisition Corp. He serves as Chief Executive Officer at Banco Internacional del Perú SAA -Interbank (formerly known as Banco Int...
Experienced Management: IFS's management team is seasoned and experienced (8.1 years average tenure).
Experienced Board: IFS's board of directors are considered experienced (3.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Intercorp Financial Services Inc.'s employee growth, exchange listings and data sources
- Name: Intercorp Financial Services Inc.
- Ticker: IFS
- Exchange: BVL
- Founded: 1897
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: US$2.910b
- Shares outstanding: 115.42m
- Website: https://www.ifs.com.pe
Number of Employees
- Intercorp Financial Services Inc.
- Torre Interbank
- Av. Carlos VillarAn 140
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/16 00:00|
|End of Day Share Price||2022/08/15 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.