Stock AnalizIntercorp Financial Services Inc. IFS
Commercial Banks · IPO 2019 · data as of November 13, 2026
Intercorp Financial Services Inc. (IFS) is a financial company listed in the US with a market value of about $5.7B. In the twelve months to September 30, 2026 it had revenue of $2.1B and net income of $615M, a net margin of 28.9%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 9.2, a price to free cash flow of 5.5, a 5-year average ROIC of 7%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 38% above the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year free cash flow growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.1B | $2.0B | — | — | — | — | — | — | — | — |
| Net income | $615M | $568M | $382M | $315M | $490M | $526M | $113M | $423M | $319M | $302M |
| Free cash flow | $1.0B | $384M | $824M | $801M | -$337M | $370M | $3.8B | $470M | -$622M | $976M |
| EPS (diluted) | $5.57 | $5.08 | $3.46 | $2.86 | $4.44 | $4.76 | $1.02 | $3.84 | $2.89 | $2.73 |
| Net margin | 28.9% | 28.3% | — | — | — | — | — | — | — | — |
| ROIC | — | — | 7.6% | 6.9% | 9.9% | 10.6% | 1.7% | 9.7% | 9.0% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Intercorp Financial Services’s P/E ratio?
About 9.2, based on the last twelve months of diluted earnings per share (forward P/E about 8.0).
Is Intercorp Financial Services stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 38% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Intercorp Financial Services pay a dividend?
Yes. The dividend yield is about 3.50%, and it has paid dividends for 8 years in our data.
Is Intercorp Financial Services a good stock to buy?
We do not give buy or sell advice. Intercorp Financial Services scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.