Intercorp Financial Services (BVL:IFS) - Stock Price, News & Analysis

IFS Stock Overview

Offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. More details

IFS fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	4/6
Past Performance	2/6
Financial Health	5/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (11.4x) is below the Banks industry average (12.5x)

Earnings are forecast to grow 29.91% per year

Analysts in good agreement that stock price will rise by 20%

Risk Analysis

No risks detected for IFS from our risk checks.

Intercorp Financial Services Inc. Competitors

Banco BBVA Perú

BVL:BBVAC1

S/12.5b

Scotiabank PerúA

BVL:SCOTIAC1

S/8.5b

Mibanco Banco de la Microempresa

BVL:MIBANC1

S/3.1b

Banco de Crédito del Perú

BVL:CREDITC1

S/49.3b

Price History & Performance

Summary of all time highs, changes and price drops for Intercorp Financial Services
Historical stock prices
Current Share Price	US$28.80
52 Week High	US$30.50
52 Week Low	US$18.67
Beta	0.80
11 Month Change	7.66%
3 Month Change	20.00%
1 Year Change	52.38%
33 Year Change	9.09%
5 Year Change	-27.09%
Change since IPO	87.01%

Recent updates

Shareholder Returns

	IFS	PE Banks	PE Market
7D	2.9%	2.0%	0.3%
1Y	52.4%	26.7%	14.1%

Return vs Industry: IFS exceeded the PE Banks industry which returned 26.7% over the past year.

Return vs Market: IFS exceeded the PE Market which returned 14.1% over the past year.

Price Volatility

Is IFS's price volatile compared to industry and market?
IFS volatility
IFS Average Weekly Movement	2.8%
Banks Industry Average Movement	2.8%
Market Average Movement	2.7%
10% most volatile stocks in PE Market	6.0%
10% least volatile stocks in PE Market	1.2%

Stable Share Price: IFS has not had significant price volatility in the past 3 months compared to the PE market.

Volatility Over Time: IFS's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1897	8,333	Luis Castellanos Lopez-Torres	www.ifs.com.pe

Intercorp Financial Services Inc., together with its subsidiaries, offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company provides loans, credit facilities, deposits, and current accounts; life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and brokerage and investment management services. It engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors.

Intercorp Financial Services Inc. Fundamentals Summary

How do Intercorp Financial Services's earnings and revenue compare to its market cap?
IFS fundamental statistics
Market cap	US$3.30b
Earnings (TTM)	US$288.86m
Revenue (TTM)	US$1.08b

11.4x

P/E Ratio

1.2x

P/B Ratio

Is IFS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IFS income statement (TTM)
Revenue	S/4.12b
Cost of Revenue	S/0
Gross Profit	S/4.12b
Other Expenses	S/3.02b
Earnings	S/1.10b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	9.59
Gross Margin	100.00%
Net Profit Margin	26.64%
Debt/Equity Ratio	136.8%

How did IFS perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

39%

Payout Ratio

IFS Stock Overview

Rewards

Risk Analysis

Intercorp Financial Services Inc. Competitors

BVL:BBVAC1

S/12.5b

BVL:SCOTIAC1

S/8.5b

BVL:MIBANC1

S/3.1b

BVL:CREDITC1

S/49.3b

Price History & Performance

Recent News & Updates

Third quarter 2024 earnings released: EPS: S/3.39 (vs S/1.69 in 3Q 2023)

Consensus EPS estimates increase by 19%

Now 21% overvalued after recent price rise

Second quarter 2024 earnings released: EPS: S/2.49 (vs S/2.85 in 2Q 2023)

New minor risk - Share price stability

Consensus EPS estimates fall by 16%

Recent updates

Third quarter 2024 earnings released: EPS: S/3.39 (vs S/1.69 in 3Q 2023)

Consensus EPS estimates increase by 19%

Now 21% overvalued after recent price rise

Second quarter 2024 earnings released: EPS: S/2.49 (vs S/2.85 in 2Q 2023)

New minor risk - Share price stability

Consensus EPS estimates fall by 16%

First quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Dividend of US$1.00 announced

New minor risk - Share price stability

New minor risk - Dividend sustainability

Full year 2023 earnings: EPS and revenues exceed analyst expectations

Consensus EPS estimates fall by 19%

Consensus revenue estimates increase by 11%

Now 21% undervalued

Full year 2023 earnings: EPS and revenues exceed analyst expectations

Full year 2023 earnings: EPS and revenues exceed analyst expectations

Intercorp Financial Services Inc. to Report Q2, 2024 Results on Aug 12, 2024

Consensus EPS estimates fall by 18%

Consensus EPS estimates fall by 20%, revenue upgraded

Third quarter 2023 earnings released: EPS: S/1.69 (vs S/5.29 in 3Q 2022)

Now 21% undervalued after recent price drop

IFS Appoints André Robberts as President for Southern & Western Europe & Latam

Now 21% undervalued

Second quarter 2023 earnings released: EPS: S/2.85 (vs S/2.16 in 2Q 2022)

New minor risk - Share price stability

Intercorp Financial Services Inc. agreed to acquire Poka Inc.

First quarter 2023 earnings released: EPS: S/2.30 (vs S/3.47 in 1Q 2022)

Upcoming dividend of US$1.18 per share at 4.9% yield

Full year 2022 earnings: EPS and revenues exceed analyst expectations

Full year 2022 earnings released: EPS: S/14.39 (vs S/15.51 in FY 2021)

Intercorp Financial Services Inc., Annual General Meeting, Mar 31, 2023

Now 21% undervalued after recent price drop

Insufficient new directors

Third quarter 2022 earnings released: EPS: S/5.29 (vs S/4.76 in 3Q 2021)

IFS Delivers Connected Operations for Global Enterprises with October 2022 Release of Ifs Cloud

Second quarter 2022 earnings: EPS and revenues miss analyst expectations

Intercorp Financial Services Inc. (BVL:IFS) signed a definitive agreement to acquire Ultimo Software Solutions BV.

IFS Appoints Mark Moffat as Chief Customer Officer

Insufficient new directors

Now 22% undervalued after recent price drop

Insufficient new directors

Full year 2021 earnings: EPS exceeds analyst expectations while revenues lag behind

Upcoming dividend of US$1.75 per share

Full year 2021 earnings: EPS exceeds analyst expectations while revenues lag behind

Consensus forecasts updated

Full year 2021 earnings: EPS exceeds analyst expectations while revenues lag behind

Upcoming dividend of US$0.65 per share

Third quarter 2021 earnings released: EPS S/4.76 (vs S/2.63 in 3Q 2020)

Investor sentiment improved over the past week

Consensus EPS estimates increase to S/14.76

Second quarter 2021 earnings released: EPS S/3.93 (vs S/4.12 loss in 2Q 2020)

Intercorp Financial Services Inc. (BVL:IFS) completed the acquisition of Axios Systems plc.

Investor sentiment deteriorated over the past week

Intercorp Financial Services Inc. (BVL:IFS) completed the acquisition of Axios Systems plc.

Consensus EPS estimates increase to S/11.64

First quarter 2021 earnings released: EPS S/4.56 (vs S/1.24 in 1Q 2020)

Investor sentiment improved over the past week

Upcoming dividend of US$0.77 per share

Full year 2020 earnings released: EPS S/3.32 (vs S/12.78 in FY 2019)