(IFS) Intercorp Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 4.982m USD | Total Return: 47% in 12m
Avg Turnover: 11.9M
EPS Trend: 78.2%
Qual. Beats: 1
Rev. Trend: 65.1%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Intercorp Financial Services Inc. (IFS) is a Lima-based financial holding company providing a diversified suite of services including retail and commercial banking, insurance, wealth management, and payment processing in Peru. Operating primarily through its subsidiaries, the company manages credit facilities, life insurance annuities, and mutual funds while maintaining an extensive physical and digital payment infrastructure.
The Peruvian financial sector is characterized by a high degree of banking concentration, where a few large players dominate the majority of total assets and deposits. As a diversified financial group, IFS utilizes a cross-selling business model to leverage its retail footprint and capture synergies between its banking and insurance divisions. For deeper insights into these operational segments, investors may find it useful to review the detailed metrics on ValueRay.
Founded in 1897, the company functions as a subsidiary of Intercorp Perú Ltd. and plays a critical role in the regional economy by facilitating electronic commerce and transaction processing for both commercial stores and individual consumers.
- Peruvian central bank interest rate policy dictates net interest margin performance
- Consumer credit expansion in emerging middle class drives retail banking revenue
- Sol-to-Dollar exchange rate volatility impacts reported earnings and capital ratios
- Regulatory changes in Peruvian pension system affect insurance and wealth management assets
- Political instability in Peru influences domestic investment climate and loan demand
| Net Income: 2.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 3.18 > 1.0 |
| NWC/Revenue: 96.90% < 20% (prev -201.3%; Δ 298.2% < -1%) |
| CFO/TA 0.04 > 3% & CFO 3.81b > Net Income 2.07b |
| Net Debt (1.37b) to EBITDA (3.05b): 0.45 < 3 |
| Current Ratio: 3.68 > 1.5 & < 3 |
| Outstanding Shares: last quarter (111.1m) vs 12m ago -1.77% < -2% |
| Gross Margin: 67.26% > 18% (prev 0.64%; Δ 6.66k% > 0.5%) |
| Asset Turnover: 10.06% > 50% (prev 8.55%; Δ 1.51% > 0%) |
| Interest Coverage Ratio: 1.03 > 6 (EBITDA TTM 3.05b / Interest Expense TTM 2.54b) |
| A: 0.10 (Total Current Assets 13.0b - Total Current Liabilities 3.54b) / Total Assets 99.1b |
| B: 0.01 (Retained Earnings 1.16b / Total Assets 99.1b) |
| C: 0.03 (EBIT TTM 2.63b / Avg Total Assets 97.3b) |
| D: 0.14 (Book Value of Equity 11.9b / Total Liabilities 87.1b) |
| Altman-Z'' = 0.99 = BB |
| DSRI: 0.12 (Receivables 811.0m/5.48b, Revenue 9.79b/8.17b) |
| GMI: 0.95 (GM 67.26% / 64.04%) |
| AQI: 1.49 (AQ_t 0.86 / AQ_t-1 0.58) |
| SGI: 1.20 (Revenue 9.79b / 8.17b) |
| TATA: -0.02 (NI 2.07b - CFO 3.81b) / TA 99.1b) |
| Beneish M = -3.38 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 50.55 with a total of 366,565 shares traded.
Over the past week, the price has changed by +9.36%,
over one month by +15.23%,
over three months by +6.82% and
over the past year by +46.97%.
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
| Analysts Target Price | 54.7 | 8.2% |
P/S = 0.8571
P/B = 1.429
Revenue TTM = 9.79b USD
EBIT TTM = 2.63b USD
EBITDA TTM = 3.05b USD
Long Term Debt = 5.59b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.54b USD (from shortTermDebt, last quarter)
Debt = 13.6b USD (from shortLongTermDebtTotal, last quarter) + Leases 144.2m
Net Debt = 1.37b USD (calculated: Debt 13.6b - CCE 12.2b)
Enterprise Value = 6.35b USD (4.98b + Debt 13.6b - CCE 12.2b)
Interest Coverage Ratio = 1.03 (Ebit TTM 2.63b / Interest Expense TTM 2.54b)
EV/FCF = 1.87x (Enterprise Value 6.35b / FCF TTM 3.40b)
FCF Yield = 53.57% (FCF TTM 3.40b / Enterprise Value 6.35b)
FCF Margin = 34.75% (FCF TTM 3.40b / Revenue TTM 9.79b)
Net Margin = 21.10% (Net Income TTM 2.07b / Revenue TTM 9.79b)
Gross Margin = 67.26% ((Revenue TTM 9.79b - Cost of Revenue TTM 3.21b) / Revenue TTM)
Gross Margin QoQ = 76.28% (prev 40.17%)
Tobins Q-Ratio = 0.06 (Enterprise Value 6.35b / Total Assets 99.1b)
Interest Expense / Debt = 18.73% (Interest Expense 2.54b / Debt 13.6b)
Taxrate = 20.44% (153.8m / 752.4m)
NOPAT = 2.09b (EBIT 2.63b * (1 - 20.44%))
Current Ratio = 3.68 (Total Current Assets 13.0b / Total Current Liabilities 3.54b)
Debt / Equity = 1.14 (Debt 13.6b / totalStockholderEquity, last quarter 12.0b)
Debt / EBITDA = 0.45 (Net Debt 1.37b / EBITDA 3.05b)
Debt / FCF = 0.40 (Net Debt 1.37b / FCF TTM 3.40b)
Total Stockholder Equity = 11.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.12% (Net Income 2.07b / Total Assets 99.1b)
RoE = 17.36% (Net Income TTM 2.07b / Total Stockholder Equity 11.9b)
RoCE = 15.01% (EBIT 2.63b / Capital Employed (Equity 11.9b + L.T.Debt 5.59b))
RoIC = 2.11% (NOPAT 2.09b / Invested Capital 99.1b)
WACC = 12.91% (E(4.98b)/V(18.6b) * Re(7.48%) + D(13.6b)/V(18.6b) * Rd(18.73%) * (1-Tc(0.20)))
Discount Rate = 7.48% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.40 | Cagr: -1.31%
[DCF] Terminal Value 64.68% ; FCFF base≈2.14b ; Y1≈2.45b ; Y5≈3.61b
[DCF] Fair Price = 257.2 (EV 29.9b - Net Debt 1.37b = Equity 28.6b / Shares 111.1m; r=12.91% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 78.18 | EPS CAGR: 30.39% | SUE: 1.03 | # QB: 1
Revenue Correlation: 65.10 | Revenue CAGR: 8.77% | SUE: 1.46 | # QB: 2
EPS current Quarter (2026-06-30): EPS=4.97 | Chg30d=+0.81% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=5.01 | Chg30d=+0.60% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=18.52 | Chg30d=-6.26% | Revisions=N/A | GrowthEPS=+7.1% | GrowthRev=+29.4%
EPS next Year (2027-12-31): EPS=20.68 | Chg30d=+0.18% | Revisions=+20% | GrowthEPS=+11.7% | GrowthRev=+1.7%
[Analyst] Revisions Ratio: +20%