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INTERCORP FINANCIAL SERVICES

IFSNYSE
πŸ† #1779 by market capUS Equity
$57.16β–Ό $0.02 (βˆ’0.03%)
Live
1hβ–Ό 1.1%
24hβ–Ό 0.0%
7dβ–Ό 3.4%
14dβ–² 1.1%
30dβ–Ό 4.4%
1yβ–² 44.1%
🏦Market Cap
$6.35B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+29.0%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
16.0%
Healthy
βš–οΈP/S Ratio
1.2x
Cheap
Otter Score
63
Fair

Trading Snapshot

Day Range
$56.50 – $57.79
52-Week Range
β€”
Volume
$2.03B
Avg Volume
$1.36B
Shares Outstanding
111.1M
Next Earnings
Sep 12, 2026

Fundamentals Snapshot

Annual Revenue
$9.24B
Last Q Revenue
$3.07B
P/E Ratio
10.9
P/S Ratio
1.2x
EPS (TTM)
β€”
Dividend Yield
1.90%

Why Investors Own IFS

  • βœ“High-growth profile β€” revenue up +55.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 79% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$9.24Bβ–² +57.7% YoY
Gross Margin (TTM)
79.1%β–² +2.2% YoY
Operating Income (TTM)
$2.46Bβ–² +57.7% YoY
Free Cash Flow (TTM)
$471Mβ–² +57.7% YoY

About INTERCORP FINANCIAL SERVICES

Intercorp Financial Services Inc. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through three primary divisions: Banking, Insurance, and Wealth Management. Its banking segment offers diverse deposit options, such as various transactional and savings accounts, investment accounts, and fixed-term instruments including certificates of deposit and compensation for service time accounts. For retail customers, IFS provides credit cards, mortgages, payroll-deduction loans, general consumer loans, as well as specialized cash, student, and collateralized cash loans. Business clients, from small to large enterprises, benefit from commercial banking services covering corporate financing, commercial real estate, vehicle and equipment loans, cash management, trade finance, and electronic factoring. Additionally, the company manages treasury and institutional banking, along with securitization services. Within its insurance operations, IFS offers annuities, conventional life insurance, and other retail insurance products. The wealth management arm delivers financial advisory services across equities, fixed income, structured products, alternative investments, and managed accounts, complemented by brokerage and investment management offerings. Founded in 1897 and headquartered in Lima, Peru, Intercorp Financial Services Inc. maintained a significant operational network as of December 31, 2021, comprising 189 financial branches and 1,581 ATMs. The company functions as a subsidiary of Intercorp PerΓΊ Ltd.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
63/100

Analyst Price Target

β“˜
Average Target
$73.64
β–² +28.8% Upside
High Target$79.88
Low Target$62.25
Based on 26 analysts

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