(IFS) Intercorp Financial - Overview
Exchange: NYSE •
Country: Peru •
Currency: USD •
Type: Common Stock •
ISIN: PAL2400671A3
Stock: Banking, Insurance, Wealth, Payments, Cards
Total Rating 44
Risk 58
Buy Signal 0.60
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.14% |
| Yield on Cost 5y | 3.93% |
| Yield CAGR 5y | -8.39% |
| Payout Consistency | 90.2% |
| Payout Ratio | 6.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 27.9% |
| Relative Tail Risk | -7.58% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.83 |
| Alpha | 59.05 |
| Character TTM | |
|---|---|
| Beta | 0.509 |
| Beta Downside | 0.660 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.42% |
| CAGR/Max DD | 1.33 |
Description: IFS Intercorp Financial January 10, 2026
Intercorp Financial Services Inc. (NYSE: IFS) operates a diversified financial platform in Peru, offering retail and commercial banking (loans, deposits, current accounts), insurance (life, annuity, and property-casualty), wealth management, and payment processing services-including card issuance and e-commerce infrastructure. The group also manages mutual and investment funds and provides brokerage and advisory services, leveraging its historic presence since 1897 and its status as a subsidiary of Intercorp Perú Ltd.
Key performance indicators that analysts watch include a loan portfolio of roughly US$2.3 billion (Q3 2024), a net interest margin of 4.2 % and ROE near 12 %, while deposits grew 12 % year-over-year, reflecting strong credit demand amid Peru’s modest GDP expansion (~3 % in 2023) and a declining inflation trend (≈2.8 %). The sector is further shaped by the Central Bank of Peru’s policy-rate moves and accelerating fintech adoption, which is pushing banks to digitize payment channels and improve cost-to-serve ratios.
For a deeper, data-driven breakdown of IFS’s valuation metrics, you may find ValueRay’s analyst toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 1.96b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA -5.39 > 1.0 |
| NWC/Revenue: -274.1% < 20% (prev -221.3%; Δ -52.80% < -1%) |
| CFO/TA -0.02 > 3% & CFO -1.79b > Net Income 1.96b |
| Net Debt (413.6m) to EBITDA (2.00b): 0.21 < 3 |
| Current Ratio: 0.69 > 1.5 & < 3 |
| Outstanding Shares: last quarter (111.3m) vs 12m ago -2.69% < -2% |
| Gross Margin: 73.88% > 18% (prev 0.60%; Δ 7328 % > 0.5%) |
| Asset Turnover: 6.53% > 50% (prev 7.51%; Δ -0.98% > 0%) |
| Interest Coverage Ratio: 0.49 > 6 (EBITDA TTM 2.00b / Interest Expense TTM 2.46b) |
Altman Z'' -0.88
| A: -0.18 (Total Current Assets 38.71b - Total Current Liabilities 55.96b) / Total Assets 97.13b |
| B: 0.02 (Retained Earnings 1.72b / Total Assets 97.13b) |
| C: 0.01 (EBIT TTM 1.20b / Avg Total Assets 96.34b) |
| D: 0.14 (Book Value of Equity 11.78b / Total Liabilities 85.18b) |
| Altman-Z'' Score: -0.88 = CCC |
Beneish M -2.94
| DSRI: 1.33 (Receivables 5.16b/4.41b, Revenue 6.29b/7.18b) |
| GMI: 0.81 (GM 73.88% / 59.88%) |
| AQI: 1.05 (AQ_t 0.59 / AQ_t-1 0.57) |
| SGI: 0.88 (Revenue 6.29b / 7.18b) |
| TATA: 0.04 (NI 1.96b - CFO -1.79b) / TA 97.13b) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of IFS shares?
As of February 07, 2026, the stock is trading at USD 50.87 with a total of 230,676 shares traded.
Over the past week, the price has changed by +3.86%, over one month by +19.30%, over three months by +16.65% and over the past year by +61.59%.
Over the past week, the price has changed by +3.86%, over one month by +19.30%, over three months by +16.65% and over the past year by +61.59%.
Is IFS a buy, sell or hold?
Intercorp Financial has received a consensus analysts rating of 4.33.
Therefore, it is recommended to buy IFS.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the IFS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 55.9 | 10% |
| Analysts Target Price | 55.9 | 10% |
| ValueRay Target Price | 67.2 | 32% |
IFS Fundamental Data Overview February 03, 2026
Market Cap PEN = 18.33b (5.45b USD * 3.36 USD.PEN)
P/E Trailing = 9.796
P/S = 0.9948
P/B = 1.5861
Revenue TTM = 6.29b PEN
EBIT TTM = 1.20b PEN
EBITDA TTM = 2.00b PEN
Long Term Debt = 9.43b PEN (from longTermDebt, last quarter)
Short Term Debt = 2.40b PEN (from shortTermDebt, last quarter)
Debt = 11.98b PEN (from shortLongTermDebtTotal, last quarter)
Net Debt = 413.6m PEN (from netDebt column, last quarter)
Enterprise Value = -2.98b PEN (18.33b + Debt 11.98b - CCE 33.29b)
Interest Coverage Ratio = 0.49 (Ebit TTM 1.20b / Interest Expense TTM 2.46b)
EV/FCF = 1.51x (Enterprise Value -2.98b / FCF TTM -1.97b)
FCF Yield = 66.14% (FCF TTM -1.97b / Enterprise Value -2.98b)
FCF Margin = -31.38% (FCF TTM -1.97b / Revenue TTM 6.29b)
Net Margin = 31.18% (Net Income TTM 1.96b / Revenue TTM 6.29b)
Gross Margin = 73.88% ((Revenue TTM 6.29b - Cost of Revenue TTM 1.64b) / Revenue TTM)
Gross Margin QoQ = 61.08% (prev none%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -2.98b / Total Assets 97.13b)
Interest Expense / Debt = 4.98% (Interest Expense 596.8m / Debt 11.98b)
Taxrate = 20.67% (117.5m / 568.4m)
NOPAT = 952.7m (EBIT 1.20b * (1 - 20.67%))
Current Ratio = 0.69 (Total Current Assets 38.71b / Total Current Liabilities 55.96b)
Debt / Equity = 1.01 (Debt 11.98b / totalStockholderEquity, last quarter 11.88b)
Debt / EBITDA = 0.21 (Net Debt 413.6m / EBITDA 2.00b)
Debt / FCF = -0.21 (negative FCF - burning cash) (Net Debt 413.6m / FCF TTM -1.97b)
Total Stockholder Equity = 11.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.04% (Net Income 1.96b / Total Assets 97.13b)
RoE = 17.39% (Net Income TTM 1.96b / Total Stockholder Equity 11.28b)
RoCE = 5.80% (EBIT 1.20b / Capital Employed (Equity 11.28b + L.T.Debt 9.43b))
RoIC = 4.11% (NOPAT 952.7m / Invested Capital 23.18b)
WACC = 6.27% (E(18.33b)/V(30.30b) * Re(7.79%) + D(11.98b)/V(30.30b) * Rd(4.98%) * (1-Tc(0.21)))
Discount Rate = 7.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.37%
Fair Price DCF = unknown (Cash Flow -1.97b)
EPS Correlation: -7.06 | EPS CAGR: -48.61% | SUE: -4.0 | # QB: 0
Revenue Correlation: -0.59 | Revenue CAGR: 14.62% | SUE: 0.25 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.60 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=18.45 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+13.2% | Growth Revenue=+12.8%
P/E Trailing = 9.796
P/S = 0.9948
P/B = 1.5861
Revenue TTM = 6.29b PEN
EBIT TTM = 1.20b PEN
EBITDA TTM = 2.00b PEN
Long Term Debt = 9.43b PEN (from longTermDebt, last quarter)
Short Term Debt = 2.40b PEN (from shortTermDebt, last quarter)
Debt = 11.98b PEN (from shortLongTermDebtTotal, last quarter)
Net Debt = 413.6m PEN (from netDebt column, last quarter)
Enterprise Value = -2.98b PEN (18.33b + Debt 11.98b - CCE 33.29b)
Interest Coverage Ratio = 0.49 (Ebit TTM 1.20b / Interest Expense TTM 2.46b)
EV/FCF = 1.51x (Enterprise Value -2.98b / FCF TTM -1.97b)
FCF Yield = 66.14% (FCF TTM -1.97b / Enterprise Value -2.98b)
FCF Margin = -31.38% (FCF TTM -1.97b / Revenue TTM 6.29b)
Net Margin = 31.18% (Net Income TTM 1.96b / Revenue TTM 6.29b)
Gross Margin = 73.88% ((Revenue TTM 6.29b - Cost of Revenue TTM 1.64b) / Revenue TTM)
Gross Margin QoQ = 61.08% (prev none%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -2.98b / Total Assets 97.13b)
Interest Expense / Debt = 4.98% (Interest Expense 596.8m / Debt 11.98b)
Taxrate = 20.67% (117.5m / 568.4m)
NOPAT = 952.7m (EBIT 1.20b * (1 - 20.67%))
Current Ratio = 0.69 (Total Current Assets 38.71b / Total Current Liabilities 55.96b)
Debt / Equity = 1.01 (Debt 11.98b / totalStockholderEquity, last quarter 11.88b)
Debt / EBITDA = 0.21 (Net Debt 413.6m / EBITDA 2.00b)
Debt / FCF = -0.21 (negative FCF - burning cash) (Net Debt 413.6m / FCF TTM -1.97b)
Total Stockholder Equity = 11.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.04% (Net Income 1.96b / Total Assets 97.13b)
RoE = 17.39% (Net Income TTM 1.96b / Total Stockholder Equity 11.28b)
RoCE = 5.80% (EBIT 1.20b / Capital Employed (Equity 11.28b + L.T.Debt 9.43b))
RoIC = 4.11% (NOPAT 952.7m / Invested Capital 23.18b)
WACC = 6.27% (E(18.33b)/V(30.30b) * Re(7.79%) + D(11.98b)/V(30.30b) * Rd(4.98%) * (1-Tc(0.21)))
Discount Rate = 7.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.37%
Fair Price DCF = unknown (Cash Flow -1.97b)
EPS Correlation: -7.06 | EPS CAGR: -48.61% | SUE: -4.0 | # QB: 0
Revenue Correlation: -0.59 | Revenue CAGR: 14.62% | SUE: 0.25 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.60 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=18.45 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+13.2% | Growth Revenue=+12.8%