IFS Stock Analysis: Intercorp Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.457m USD | 12M Return: 69.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 19.1M
EPS Trend: 78.2%
Qual. Beats: 1
Rev. Trend: 65.1%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
Seasonality 8.4 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 holding company that provides banking, insurance, wealth management, and payment services to retail and commercial clients in Peru through its subsidiaries.
Its offerings span loans, credit facilities, deposits, and current accounts; life annuity and insurance products; brokerage and investment management services; mutual and investment funds; and credit/debit card processing along with electronic payment network infrastructure.
IFS operates within the Regional Banks sub-industry of the Financials sector as a holding company structure, allowing it to capture revenue across multiple segments of the Peruvian financial services value chain. The company was incorporated in 1897, is headquartered in Lima, and operates as a subsidiary of Intercorp Perú Ltd., a Peruvian conglomerate.
- Peru central bank rate cuts compress net interest margins
- Loan growth accelerates as Peruvian economic activity recovers
- Digital payments segment scales on rising card adoption
| Net Income: 2.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.65 > 1.0 |
| NWC/Revenue: -240.4% < 20% (prev 30.61%; Δ -271.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 2.11b > Net Income 2.07b |
| Net Debt (-23.1b) to EBITDA (3.07b): -7.51 < 3 |
| Current Ratio: 0.62 > 1.5 & < 3 |
| Outstanding Shares: last quarter (111.1m) vs 12m ago -1.77% < -2% |
| Gross Margin: 67.26% > 18% (prev 50.38%; Δ 16.88% > 0.5%) |
| Asset Turnover: 9.90% > 50% (prev 8.55%; Δ 1.35% > 0%) |
| Interest Coverage Ratio: 1.03 > 6 (EBIT TTM 2.62b / Interest Expense TTM 2.54b) |
| A: -0.23 (Total Current Assets 37.8b - Total Current Liabilities 61.3b) / Total Assets 102b |
| B: 0.01 (Retained Earnings 1.20b / Total Assets 102b) |
| C: 0.03 (EBIT TTM 2.62b / Avg Total Assets 98.9b) |
| D: 0.14 (Book Value of Equity 12.3b / Total Liabilities 89.9b) |
| Altman-Z'' = -1.15 = CCC |
| DSRI: 3.0 (Receivables 2.09b/230.3m, Revenue 9.79b/8.17b) |
| GMI: 0.75 (GM 50.38% / 67.26%) |
| AQI: 0.65 (AQ_t 0.62 / AQ_t-1 0.96) |
| SGI: 1.20 (Revenue 9.79b / 8.17b) |
| TATA: -0.00 (NI 2.07b - CFO 2.11b) / TA 102b) |
| Beneish M = -1.67 (Cap -4..+1) = CCC |
As of July 08, 2026, the stock is trading at USD 58.26 with a total of 121,103 shares traded. Over the past week, the price has changed by +3.48%, over one month by +23.54%, over three months by +25.82% and over the past year by +69.09%.
Current recommended Stop Loss: 55.90 (which is 4.1% or 1.2 ATR below the current price).
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 | 65.1 | 11.8% |
P/E Trailing = 10.825
P/S = 1.111
P/B = 1.8222
Revenue TTM = 9.79b USD
EBIT TTM = 2.62b USD
EBITDA TTM = 3.07b USD
Long Term Debt = 9.85b USD (from longTermDebt, last quarter)
Short Term Debt = 2.36b USD (from shortTermDebt, last quarter)
Debt = 12.5b USD (from shortLongTermDebtTotal, last quarter) + Leases 132.5m
Net Debt = -23.1b USD (calculated: Debt 12.5b - CCE 35.6b)
Enterprise Value = 6.46b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.03 (Ebit TTM 2.62b / Interest Expense TTM 2.54b)
EV/FCF = 4.13x (Enterprise Value 6.46b / FCF TTM 1.56b)
FCF Yield = 24.19% (FCF TTM 1.56b / Enterprise Value 6.46b)
FCF Margin = 15.95% (FCF TTM 1.56b / 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 6.46b / Total Assets 102b)
Interest Expense / Debt = 20.41% (Interest Expense 2.54b / Debt 12.5b)
Taxrate = 21.11% (553.1m / 2.62b)
NOPAT = 2.07b (EBIT 2.62b * (1 - 21.11%))
Current Ratio = 0.62 (Total Current Assets 37.8b / Total Current Liabilities 61.3b)
Debt / Equity = 1.01 (Debt 12.5b / totalStockholderEquity, last quarter 12.3b)
Debt / EBITDA = -7.51 (Net Debt -23.1b / EBITDA 3.07b)
Debt / FCF = -14.79 (Net Debt -23.1b / FCF TTM 1.56b)
Total Stockholder Equity = 12.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.09% (Net Income 2.07b / Total Assets 102b)
RoE = 17.22% (Net Income TTM 2.07b / Total Stockholder Equity 12.0b)
RoCE = 11.99% (EBIT 2.62b / Capital Employed (Equity 12.0b + L.T.Debt 9.85b))
RoIC = 4.83% (NOPAT 2.07b / Invested Capital 42.8b)
WACC = 13.09% (E(6.46b)/V(18.9b) * Re(7.28%) + D(12.5b)/V(18.9b) * Rd(20.41%) * (1-Tc(0.21)))
Discount Rate = 7.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.40 | Cagr: -1.31%
[DCF] Terminal Value 60.71% ; FCFF base≈1.56b ; Y1≈1.57b ; Y5≈1.66b
[DCF] Fair Price = 336.8 (EV 14.3b - Net Debt -23.1b = Equity 37.4b / Shares 111.1m; r=13.09% [WACC]; 5y FCF grow 0.0% → 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=4.91 | Chg30d=-1.71% | Revisions=+25% | Analysts=2
EPS next Quarter (2026-09-30): EPS=4.99 | Chg30d=-1.52% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=20.26 | Chg30d=-1.66% | Revisions=+40% | GrowthEPS=+17.1% | GrowthRev=+17.5%
EPS next Year (2027-12-31): EPS=22.87 | Chg30d=+9.02% | Revisions=+40% | GrowthEPS=+12.9% | GrowthRev=+14.7%
[Analyst] Revisions Ratio: +67% (up=6, down=0)