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IFS vs MAIN

IFS
Intercorp Financial Services Inc.
NEUTRAL
Price
$45.01
Market Cap
$5.0B
Sector
Financial Services
AI Confidence
85%
MAIN
Main Street Capital Corporation
NEUTRAL
Price
$53.75
Market Cap
$4.84B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
IFS
9.38
MAIN
9.74
Forward P/E
IFS
7.68
MAIN
13.11
P/B Ratio
IFS
1.42
MAIN
1.61
P/S Ratio
IFS
0.91
MAIN
8.55
EV/EBITDA
IFS
--
MAIN
--

Profitability

Gross Margin
IFS
0.0%
MAIN
100.0%
Operating Margin
IFS
39.69%
MAIN
86.52%
Profit Margin
IFS
35.15%
MAIN
87.11%
ROE
IFS
16.61%
MAIN
17.04%
ROA
IFS
2.0%
MAIN
5.73%

Growth

Revenue Growth
IFS
1.1%
MAIN
3.6%
Earnings Growth
IFS
-2.8%
MAIN
-26.0%

Financial Health

Debt/Equity
IFS
--
MAIN
0.82
Current Ratio
IFS
--
MAIN
1.34
Quick Ratio
IFS
--
MAIN
1.34

Dividends

Dividend Yield
IFS
4.0%
MAIN
5.8%
Payout Ratio
IFS
22.03%
MAIN
76.81%

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
MAIN NEUTRAL

Main Street Capital exhibits a stark divergence between its defensive valuation and deteriorating operational health, highlighted by a weak Piotroski F-Score of 2/9. While the current price of $53.75 sits comfortably below the Graham Number of $64.34, the company is facing a severe earnings contraction of -26% YoY and a bearish technical trend (0/100). The high profit margins and consistent earnings beat history provide a floor, but the sharp decline in quarterly growth suggests a transition period or systemic headwinds. Overall, the stock is a defensive hold with significant red flags regarding its short-term financial momentum.

Strengths
Strong defensive valuation relative to Graham Number ($64.34)
Exceptional profit margins (87.11%) and operating margins (86.52%)
Consistent track record of beating earnings estimates over 25 quarters
Risks
Severe earnings deterioration (-26% YoY and -24.8% Q/Q)
Very weak Piotroski F-Score (2/9) indicating poor operational health
Bearish technical trend (0/100) suggesting lack of market momentum

Compare Another Pair

IFS vs MAIN: Head-to-Head Comparison

This page compares Intercorp Financial Services Inc. (IFS) and Main Street Capital Corporation (MAIN) 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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