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AX vs IFS

AX
Axos Financial, Inc.
NEUTRAL
Price
$91.75
Market Cap
$5.2B
Sector
Financial Services
AI Confidence
65%
IFS
Intercorp Financial Services Inc.
NEUTRAL
Price
$45.01
Market Cap
$5.0B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AX
12.94
IFS
9.38
Forward P/E
AX
9.93
IFS
7.68
P/B Ratio
AX
1.86
IFS
1.42
P/S Ratio
AX
4.32
IFS
0.91
EV/EBITDA
AX
--
IFS
--

Profitability

Gross Margin
AX
0.0%
IFS
0.0%
Operating Margin
AX
50.8%
IFS
39.69%
Profit Margin
AX
36.0%
IFS
35.15%
ROE
AX
16.65%
IFS
16.61%
ROA
AX
1.7%
IFS
2.0%

Growth

Revenue Growth
AX
-0.2%
IFS
1.1%
Earnings Growth
AX
0.5%
IFS
-2.8%

Financial Health

Debt/Equity
AX
--
IFS
--
Current Ratio
AX
--
IFS
--
Quick Ratio
AX
--
IFS
--

Dividends

Dividend Yield
AX
--
IFS
4.0%
Payout Ratio
AX
0.0%
IFS
22.03%

AI Verdict

AX NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stable financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability metrics like a 50.8% operating margin and consistent earnings beats, weak revenue growth and lack of key financial data constrain confidence. The stock trades above the Graham Number of $88.69 at $91.75, implying a slight premium, but remains below the analyst target of $103.25. Bearish insider activity and a weak technical trend offset solid historical performance and favorable sector-relative valuation.

Strengths
Consistently beats earnings estimates with an 88% beat rate over the last four quarters and strong average surprise of 7.2%
Exceptional operating profitability: 50.8% operating margin and 36.0% profit margin significantly outperform sector averages
Attractive valuation relative to peers: P/E of 12.94 vs sector average of 20.94
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and limited operational resilience
Revenue growth is nearly flat YoY (-0.20%), indicating stagnation in top-line expansion
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in financial health and leverage risk
IFS NEUTRAL

IFS presents a dichotomy between strong value metrics and stagnant growth, anchored by a stable Piotroski F-Score of 4/9 and a Graham Number of $58.45 that suggests the stock is defensively undervalued. While the P/E ratio of 9.38 is significantly lower than the sector average, the company is struggling with negative earnings growth (-2.80% YoY) and flat revenue growth (1.10%). The strong analyst 'strong_buy' consensus and high ROE of 16.61% contrast sharply with a bearish technical trend (0/100) and weak insider sentiment. Overall, it is a value play with limited immediate catalysts for growth.

Strengths
Significant undervaluation relative to Graham Number ($58.45)
Strong profitability with an ROE of 16.61% and Profit Margin of 35.15%
Very sustainable dividend payout ratio of 22.03%
Risks
Negative earnings growth both YoY (-2.80%) and Q/Q (-6.00%)
Stagnant revenue growth of only 1.10% YoY
Bearish technical trend (0/100) indicating strong selling pressure

Compare Another Pair

AX vs IFS: Head-to-Head Comparison

This page compares Axos Financial, Inc. (AX) and Intercorp Financial Services Inc. (IFS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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