IFS

NEUTRAL

$45.01 Live

Intercorp Financial Services Inc. · NYSE

Target $53.5 (+18.9%)

$33.25 52W Range $53.0

IFS Intercorp Financial Services Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

IFS Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$45.01

Analyst Target

$53.5

+18.9% Upside

52W High

$53.0

52W Low

$33.25

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 28, 2026

Market cap

$5.0B

P/E

9.38

ROE

16.6%

Profit margin

35.2%

Debt/Equity

N/A

Dividend yield

4.0%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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%

Low P/E ratio (9.38) compared to the financial services sector average (36.14)

Strong analyst target price of $53.50 representing ~19% upside

Key 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

Low insider sentiment score (40/100)

High volatility in quarterly earnings surprises

AI Fair Value Estimate

Based on comprehensive analysis

$48.5

+7.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Risk

Key drivers: Low valuation multiples, Negative earnings growth, Strong ROE, Bearish technicals

Confidence

80%

Value

85/100

Ref P/E 9.38, Graham Number $58.45

Positives

P/E well below sector average
Price below Graham Number
P/B of 1.42 is reasonable for regional banks

Watchpoints

Current price exceeds growth-based intrinsic value ($33.6)

Future

30/100

Ref Revenue Growth 1.10%, Earnings Growth -2.80%

Positives

Strong analyst price targets

Watchpoints

Negative YoY earnings growth
Flat revenue growth
Declining Q/Q earnings

Past

65/100

Ref 5Y Change and Earnings Track Record

Positives

Strong 5Y change (+124.9%)
Consistent history of beating estimates in recent quarters

Watchpoints

Extreme volatility in 2020-2022 earnings

Health

50/100

Ref Piotroski F-Score 4/9

Positives

Piotroski F-Score of 4 indicates stability

Watchpoints

F-Score is not in the 'Strong' range (7-9)

Dividend

60/100

Ref Yield 4.00%, Payout 22.03%

Positives

Healthy 4% yield
Very low payout ratio (22.03%)

Watchpoints

Low overall dividend strength score (35/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$45.01

Analyst Target

$53.5

Upside/Downside

+18.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for IFS and closest competitors.

Updated 2026-04-27

Company	5Y	3Y	1Y	6M	1M	1W
IFS Intercorp Financial Services Inc. Primary	+124.9%	+126.2%	+39.4%	+12.6%	-1.6%	-4.4%
CACC Credit Acceptance Corporation Peer	+22.5%	+2.6%	-4.4%	-9.8%	-11.3%	+5.0%
HLNE Hamilton Lane Incorporated Peer	+7.1%	+35.3%	-32.0%	-21.2%	-5.5%	-2.0%
SLMBP SLM Corporation Peer	+92.7%	+61.1%	+15.1%	+2.6%	-0.4%	-0.5%
AX Axos Financial, Inc. Peer	+123.1%	+117.6%	+29.3%	+8.3%	+3.2%	-2.9%

IFS

Intercorp Financial Services Inc.

Primary

+124.9%

+126.2%

+39.4%

+12.6%

-1.6%

-4.4%

CAC

Credit Acceptance Corporation

Peer

+22.5%

+2.6%

-4.4%

-9.8%

-11.3%

+5.0%

HLN

Hamilton Lane Incorporated

Peer

+7.1%

+35.3%

-32.0%

-21.2%

-5.5%

-2.0%

SLM

SLM Corporation

Peer

+92.7%

+61.1%

+15.1%

+2.6%

-0.4%

-0.5%

Axos Financial, Inc.

Peer

+123.1%

+117.6%

+29.3%

+8.3%

+3.2%

-2.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

9.38

7.68

N/A

1.42

0.91

2.49

N/A

$5.0B

Profitability

Profit margins and return metrics

Profit Margin 35.15%

Operating Margin 39.69%

Gross Margin N/A

ROE 16.61%

ROA 2.0%

Growth

Revenue and earnings growth rates

Revenue Growth +1.1%

Earnings Growth -2.8%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth -6.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$41.04

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$1.8B

Net Margin

25.8%

Total Assets

$99.1B

Liabilities

$86.7B

Equity

$12.3B

Debt/Equity

7.02x

Operating CF

$2.9B

CapEx

$-0.2B

Free Cash Flow

$2.6B

FCF Yield

92%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-11

$N/A

2025-11-06

$3.95

-0.6% surprise

2025-08-10

$5.14

+33.4% surprise

2025-05-08

$3.92

+19.9% surprise

Financial Services Sector Comparison

Comparing IFS against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

9.38

This Stock

36.01

Sector Avg

-74.0% (Discount)

Return on Equity (ROE)

16.61%

This Stock

-0.73%

Sector Avg

-2366.5% (Below Avg)

Profit Margin

35.15%

This Stock

91.62%

Sector Avg

-61.6% (Weaker)

Revenue Growth

1.1%

This Stock

35.27%

Sector Avg

-96.9% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
IFS Intercorp Financial Services Inc.	NEUTRAL	$5.0B	9.38	16.6%	35.2%	$45.01
CACC Credit Acceptance Corporation	NEUTRAL	$4.91B	12.22	25.9%	34.2%	$444.72	Compare
HLNE Hamilton Lane Incorporated	BULLISH	$5.15B	16.9	31.7%	30.6%	$92.28	Compare
SLMBP SLM Corporation	BEARISH	$4.85B	34.62	32.3%	45.1%	$74.25	Compare
AX Axos Financial, Inc.	NEUTRAL	$5.2B	12.94	16.7%	36.0%	$91.75	Compare

IFS Intercorp...

NEUTRAL

Mkt Cap

$5.0B

P/E

9.4

ROE

16.6%

Price

$45.01

Compare with IFS

HLNE Hamilton Lane...

Compare with IFS

SLMBP SLM Corporation

Compare with IFS

AX Axos Financial, Inc.

Compare with IFS

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F

2026-04-24

IFS filed its 20-F annual report on April 24, 2026, providing a comprehensive overview of its fiscal year operations. Specific financial highlights and risk factors are detailed within the full filing, as no excerpted data was provided.

20-F

2025-04-25

IFS filed its Form 20-F annual report on April 25, 2025. Specific financial highlights and risk factors were not provided in the available metadata, but these details are contained within the full regulatory filing.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

STRONG_BUY

3 analysts

JP Morgan

2025-12-16

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning IFS from our newsroom.

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IFS

IFS Intercorp Financial Services Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

SEC Filings

Wall Street Analysts

Past News Coverage

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