IFS Stock Analysis: Intercorp Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.863m USD | 12M Return: 45.7% | PAL2400671A3 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.7M
EPS Trend: 85.2%
Qual. Beats: 0
Rev. Trend: 77.7%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 8.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Intercorp Financial Services Inc. (IFS) is a Peruvian financial holding company that provides banking, insurance, wealth management, and payment services to retail and commercial clients. Its offerings span loans, credit facilities, deposits, current accounts, life insurance and annuity products, brokerage and investment management services, credit and debit card processing, payment network infrastructure, and mutual fund management. Headquartered in Lima and founded in 1897, IFS operates as a subsidiary of Intercorp Perú Ltd. and listed on the NYSE in August 2019.
As a regional bank holding company within the Financials sector, IFS combines traditional commercial banking with non-bank financial services such as insurance and asset management, a structure that allows cross-selling across its retail and corporate client base. Perus banking sector is characterized by a concentrated group of large financial groups, with IFS positioned among the leading privately owned players serving both consumer and SME segments.
- Peru rate cuts compress net interest margin outlook
- Loan growth accelerates across retail and SME segments
- Political turmoil in Peru pressures asset quality and loan demand
| Net Income: 2.09b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 2.43 > 1.0 |
| NWC/Revenue: -184.4% < 20% (prev -191.0%; Δ 6.62% < -1%) |
| CFO/TA 0.04 > 3% & CFO 4.36b > Net Income 2.09b |
| Net Debt (-31.3b) to EBITDA (3.71b): -8.44 < 3 |
| Current Ratio: 0.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (110.9m) vs 12m ago -1.29% < -2% |
| Gross Margin: 64.11% > 18% (prev 55.74%; Δ 8.36% > 0.5%) |
| Asset Turnover: 8.82% > 50% (prev 9.39%; Δ -0.56% > 0%) |
| Interest Coverage Ratio: 1.43 > 6 (EBIT TTM 3.25b / Interest Expense TTM 2.28b) |
| A: -0.16 (Total Current Assets 47.2b - Total Current Liabilities 63.7b) / Total Assets 105b |
| B: 0.02 (Retained Earnings 1.78b / Total Assets 105b) |
| C: 0.03 (EBIT TTM 3.25b / Avg Total Assets 101b) |
| D: 0.14 (Book Value of Equity 12.9b / Total Liabilities 92.4b) |
| Altman-Z'' = -0.61 = B |
| DSRI: 0.39 (Receivables 1.75b/4.66b, Revenue 8.95b/9.16b) |
| GMI: 0.87 (GM 55.74% / 64.11%) |
| AQI: 0.92 (AQ_t 0.54 / AQ_t-1 0.59) |
| SGI: 0.98 (Revenue 8.95b / 9.16b) |
| TATA: -0.02 (NI 2.09b - CFO 4.36b) / TA 105b) |
| Beneish M = -3.71 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 54.40 with a total of 186,520 shares traded. Over the past week, the price has changed by -2.02%, over one month by -0.73%, over three months by -7.84% and over the past year by +45.68%.
Current recommended Stop Loss: 52.30 (which is 3.9% or 1.7 ATR below the current price).
Intercorp Financial has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy IFS.
- StrongBuy: 2
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 66.3 | 21.9% |
P/E Trailing = 10.0587
P/S = 0.9992
P/B = 1.6495
Revenue TTM = 8.95b USD
EBIT TTM = 3.25b USD
EBITDA TTM = 3.71b USD
Long Term Debt = 10.3b USD (from longTermDebt, last quarter)
Short Term Debt = 3.69b USD (from shortTermDebt, last quarter)
Debt = 14.2b USD (from shortLongTermDebtTotal, last quarter) + Leases 122.5m
Net Debt = -31.3b USD (calculated: Debt 14.2b - CCE 45.4b)
Enterprise Value = 5.86b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.43 (Ebit TTM 3.25b / Interest Expense TTM 2.28b)
EV/FCF = 1.52x (Enterprise Value 5.86b / FCF TTM 3.85b)
FCF Yield = 65.59% (FCF TTM 3.85b / Enterprise Value 5.86b)
FCF Margin = 42.95% (FCF TTM 3.85b / Revenue TTM 8.95b)
Net Margin = 23.32% (Net Income TTM 2.09b / Revenue TTM 8.95b)
Gross Margin = 64.11% ((Revenue TTM 8.95b - Cost of Revenue TTM 3.21b) / Revenue TTM)
Gross Margin QoQ = 64.04% (prev 76.28%)
Tobins Q-Ratio = 0.06 (Enterprise Value 5.86b / Total Assets 105b)
Interest Expense / Debt = 16.08% (Interest Expense 2.28b / Debt 14.2b)
Taxrate = 21.19% (562.1m / 2.65b)
NOPAT = 2.56b (EBIT 3.25b * (1 - 21.19%))
Current Ratio = 0.74 (Total Current Assets 47.2b / Total Current Liabilities 63.7b)
Debt / Equity = 1.10 (Debt 14.2b / totalStockholderEquity, last quarter 12.9b)
Debt / EBITDA = -8.44 (Net Debt -31.3b / EBITDA 3.71b)
Debt / FCF = -8.13 (Net Debt -31.3b / FCF TTM 3.85b)
Total Stockholder Equity = 12.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.06% (Net Income 2.09b / Total Assets 105b)
RoE = 16.90% (Net Income TTM 2.09b / Total Stockholder Equity 12.4b)
RoCE = 14.37% (EBIT 3.25b / Capital Employed (Equity 12.4b + L.T.Debt 10.3b))
RoIC = 5.71% (NOPAT 2.56b / Invested Capital 44.9b)
WACC = 11.17% (E(5.86b)/V(20.0b) * Re(7.53%) + D(14.2b)/V(20.0b) * Rd(16.08%) * (1-Tc(0.21)))
Discount Rate = 7.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.87 | Cagr: -1.41%
[DCF] Terminal Value 69.41% ; FCFF base≈2.78b ; Y1≈3.19b ; Y5≈4.70b
[DCF] Fair Price = 710.1 (EV 47.1b - Net Debt -31.3b = Equity 78.4b / Shares 110.4m; r=11.17% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 85.21 | EPS CAGR: 34.23% | SUE: 0.21 | # QB: 0
Revenue Correlation: 77.67 | Revenue CAGR: 10.84% | SUE: 0.96 | # QB: 3
EPS current Quarter (2026-09-30): EPS=4.89 | Chg30d=-0.22% | Revisions=-40% | Analysts=2
EPS current Year (2026-12-31): EPS=20.47 | Chg30d=-0.21% | Revisions=+0% | GrowthEPS=+18.3% | GrowthRev=+13.7%
EPS next Year (2027-12-31): EPS=23.46 | Chg30d=+2.76% | Revisions=+0% | GrowthEPS=+14.6% | GrowthRev=+14.6%
[Analyst] Revisions Ratio: -22% (up=2, down=4)