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IFS vs JPM

IFS
Intercorp Financial Services Inc.
NEUTRAL
Price
$45.01
Market Cap
$5.0B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
IFS
9.38
JPM
15.68
Forward P/E
IFS
7.68
JPM
13.42
P/B Ratio
IFS
1.42
JPM
2.47
P/S Ratio
IFS
0.91
JPM
5.03
EV/EBITDA
IFS
--
JPM
--

Profitability

Gross Margin
IFS
0.0%
JPM
0.0%
Operating Margin
IFS
39.69%
JPM
41.06%
Profit Margin
IFS
35.15%
JPM
33.91%
ROE
IFS
16.61%
JPM
16.13%
ROA
IFS
2.0%
JPM
1.35%

Growth

Revenue Growth
IFS
1.1%
JPM
2.5%
Earnings Growth
IFS
-2.8%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
IFS
4.0%
JPM
1.91%
Payout Ratio
IFS
22.03%
JPM
28.97%

AI Verdict

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
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

IFS vs JPM: Head-to-Head Comparison

This page compares Intercorp Financial Services Inc. (IFS) and JPMorgan Chase & Co. (JPM) 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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