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IFS vs MA

IFS
Intercorp Financial Services Inc.
NEUTRAL
Price
$45.01
Market Cap
$5.0B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IFS
9.38
MA
30.28
Forward P/E
IFS
7.68
MA
22.05
P/B Ratio
IFS
1.42
MA
57.74
P/S Ratio
IFS
0.91
MA
13.6
EV/EBITDA
IFS
--
MA
22.13

Profitability

Gross Margin
IFS
0.0%
MA
100.0%
Operating Margin
IFS
39.69%
MA
57.73%
Profit Margin
IFS
35.15%
MA
45.65%
ROE
IFS
16.61%
MA
209.91%
ROA
IFS
2.0%
MA
23.72%

Growth

Revenue Growth
IFS
1.1%
MA
17.6%
Earnings Growth
IFS
-2.8%
MA
24.2%

Financial Health

Debt/Equity
IFS
--
MA
2.56
Current Ratio
IFS
--
MA
1.03
Quick Ratio
IFS
--
MA
0.68

Dividends

Dividend Yield
IFS
4.0%
MA
0.7%
Payout Ratio
IFS
22.03%
MA
18.4%

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
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

IFS vs MA: Head-to-Head Comparison

This page compares Intercorp Financial Services Inc. (IFS) and Mastercard Incorporated (MA) 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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