Overview Dividends

(IFS) Intercorp Financial - Ratings and Ratios

Exchange: NYSE • Country: Peru • Currency: USD • Type: Common Stock • ISIN: PAL2400671A3

Banking, Insurance, Wealth, Payments, Cards

Regional Banks
Market Cap in USD: 4,702m

IPO / Inception: 2019-08-08
Return 12m vs S&P 500: 34.8%

EPS (Earnings per Share)

EPS CAGR: -48.61%
EPS Trend: -7.1%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 14.62%
Rev. Trend: -0.6%

Last SUE: 0.25
Qual. Beats: 0

Dividends

Dividend Yield	2.23%
Yield on Cost 5y	3.66%
Yield CAGR 5y	-8.39%
Payout Consistency	90.2%
Payout Ratio	5.2%

Risk via 5d forecast
Volatility	36.2%
Value at Risk 5%th	55.1%
Relative Tail Risk	-7.64%

Reward TTM
Sharpe Ratio	1.75
Alpha	47.38
CAGR/Max DD	0.91

Character TTM
Hurst Exponent	0.509
Beta	0.508
Beta Downside	0.736

Drawdowns 3y
Max DD	28.42%
Mean DD	9.10%
Median DD	6.89%

Description: IFS Intercorp Financial November 07, 2025

Intercorp Financial Services Inc. (NYSE: IFS) is a diversified financial-services holding company operating in Peru. Through its subsidiaries it delivers retail and commercial banking (loans, credit lines, deposits, current accounts), insurance (life annuities, term life, and other retail policies), wealth-management and brokerage services, as well as payment-processing capabilities such as credit/debit-card issuance, e-commerce transaction infrastructure, and merchant-payment facilitation.

As of FY 2023, IFS reported a net interest margin of roughly 3.5 % and a loan-to-deposit ratio near 78 %, indicating a relatively balanced funding profile. Loan growth accelerated to about 12 % YoY, driven by strong demand for consumer credit in a still-expanding middle class, while deposits rose ~9 % YoY, supported by higher savings rates amid Peru’s 5-6 % inflation environment. The broader Peruvian banking sector faces headwinds from slower GDP growth (≈1.5 % Q4 2024) and a tightening monetary stance, but digital-payment adoption is outpacing regional peers, with card-transaction volumes increasing >15 % annually, a key catalyst for IFS’s payment-services franchise.

For a deeper quantitative dive, you might explore ValueRay’s analyst tools to benchmark IFS against peers and assess the sensitivity of its earnings to macro-economic shifts.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (1.96b TTM) > 0 and > 6% of Revenue (6% = 377.5m TTM)

FCFTA -0.02 (>2.0%) and ΔFCFTA -5.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -274.1% (prev -221.3%; Δ -52.80pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.02 (>3.0%) and CFO -1.79b <= Net Income 1.96b (YES >=105%, WARN >=100%)

Net Debt (413.6m) to EBITDA (1.43b) ratio: 0.29 <= 3.0 (WARN <= 3.5)

Current Ratio 0.69 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (111.3m) change vs 12m ago -2.69% (target <= -2.0% for YES)

Gross Margin 73.88% (prev 59.88%; Δ 14.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.53% (prev 7.51%; Δ -0.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.77 (EBITDA TTM 1.43b / Interest Expense TTM 1.56b) >= 6 (WARN >= 3)

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 (Balance) 1.72b / Total Assets 97.13b

(D) 0.14 = Book Value of Equity 11.78b / Total Liabilities 85.18b

Total Rating: -0.88 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 50.40

1. Piotroski 5.0pt

2. FCF Yield 35.92%

3. FCF Margin -31.38%

4. Debt/Equity 1.01

5. Debt/Ebitda 0.29

6. ROIC - WACC (= -2.08)%

7. RoE 17.39%

8. Rev. Trend -0.59%

9. EPS Trend -7.06%

What is the price of IFS shares?

As of January 09, 2026, the stock is trading at USD 44.92 with a total of 238,884 shares traded.
Over the past week, the price has changed by +6.37%, over one month by +12.30%, over three months by +11.44% and over the past year by +59.47%.

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.

Strong Buy: 1
Buy: 2
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the IFS price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	51.2	14.1%
Analysts Target Price	51.2	14.1%
ValueRay Target Price	56.2	25%

IFS Fundamental Data Overview January 04, 2026

Market Cap PEN = 15.81b (4.70b USD * 3.363 USD.PEN)
P/E Trailing = 8.3956
P/S = 0.8577
P/B = 1.3646
Beta = 0.714
Revenue TTM = 6.29b PEN
EBIT TTM = 1.20b PEN
EBITDA TTM = 1.43b 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 = -5.50b PEN (15.81b + Debt 11.98b - CCE 33.29b)
Interest Coverage Ratio = 0.77 (Ebit TTM 1.20b / Interest Expense TTM 1.56b)
FCF Yield = 35.92% (FCF TTM -1.97b / Enterprise Value -5.50b)
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 100.0%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -5.50b / 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 = 0.29 (Net Debt 413.6m / EBITDA 1.43b)
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 = 6.19% (E(15.81b)/V(27.79b) * Re(7.89%) + D(11.98b)/V(27.79b) * Rd(4.98%) * (1-Tc(0.21)))
Discount Rate = 7.89% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -81.65 | Cagr: -0.44%
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=+0.120 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=18.45 | Chg30d=-0.702 | Revisions Net=-1 | Growth EPS=+11.2% | Growth Revenue=+12.8%

Additional Sources for IFS Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle