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Intercorp Financial Services

NYQ:IFS · PAL2400671A3
BanksMedium

360

78
Profit price53
Cash yield63
Price/Sales52
EV / Gross Profit47
Price/Book37
Returns on capital73
Profit margins—
Cash Conversion71
Accruals50
Owner Earnings Margin53
Sales growth88
Profit Growth51
Owner Earnings Growth67
Reinvestment65
Price momentum75
Debt load22
Debt serviceability63
Liquidity13
Analyst ratings83
Opinion Changes50
Price Target Upside25
Market mood17
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Intercorp Financial Services generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryPeru
IndustryBanks
SizeMedium
TypePublic Company
ExchangeBVL
Founded1897
Websiteifs.com.pe
ISINPAL2400671A3
Last UpdateApr 2, 2026
Index & Theme
Anti-FraudOnline PaymentsConsumer LendingDigital BrokerageInsurtechBankingFinancial Services

Description

Intercorp Financial Services Inc. (IFS) is a provider of banking, insurance, wealth management services and payments for retail customers and commercial clients in Peru. The company is the majority owner and controlling shareholder of the company’s…

Analysis

Beloved champion

Intercorp Financial Services Inc. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is attractive. You pay 11.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and accelerating and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
44
2023202420252026

All-time high

94

Jan 2025

All-time low

31

Jan 2024

Average rank

64

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
52
67
87
48
Price/Earnings
65
69
88
77
Price/Book
37
49
71
34
Dividend Yield
63
30
64
95
Value (overall)
58
57
81
71

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →