Is Intercorp Financial Services Inc. (IFS) Overvalued?
We dive into why Intercorp Financial Services Inc. (IFS) could be considered overvalued on 2026-07-27, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. In addition, the company manages mutual funds and investment funds; and provides investment consultancy and related services. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
Commentary & Analysis
Which Is a Better Investment, Intercorp Financial Services Inc. or 1st Source Corporation Stock?
Learn more about whether Intercorp Financial Services Inc. or 1st Source Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Which Is a Better Investment, Intercorp Financial Services Inc. or National Bank Holdings Corporation Stock?
Learn more about whether Intercorp Financial Services Inc. or National Bank Holdings Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Which Is a Better Investment, First Commonwealth Financial Corporation or Intercorp Financial Services Inc. Stock?
Learn more about whether First Commonwealth Financial Corporation or Intercorp Financial Services Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Why Intercorp Financial Services Inc.’s (IFS) Stock Is Up 9.18%
As of Tuesday, June 09, Intercorp Financial Services Inc.’s IFS share price has surged by 9.18%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | IFS | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $6,442.2 | $716.9 | 71% |
|
| Shares Out (Mil) | 31.8 | 15.7 | 38% |
|
| Institutional Ownership | 99.8% | 83.0% | 94% |
|
| Float (Mil) | 29.5 | 21.2 | 36% |
|
| Beta | 0.56 | 0.48 | 32% |
|
| Avg Daily Volume (000s) | 277 | 53 | 50% |
|
| Price Change (52-week) |
62.5% | 96.7% | 84% |
|
| Growth | IFS | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 21.2% | 7.6% | 83% |
|
| Net Income (5yr) | 40.2% | 11.1% | 91% |
|
| EPS (5yr) | 41.1% | 10.1% | 89 |
|
| Dividends (5yr) | 18.5% | 3.6% | 88% |
|
| Cash Flow (5yr) | (45.9%) | (17.0%) | 9% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.444 | $5.954 | $6.723 | |
| Month Ago EPS | $1.447 | $6.014 | $6.723 | |
| # Rev Up | 1 | 0 | 0 | |
| # Rev Down | 0 | 1 | 1 | |
| Three Months Ago EPS | $1.461 | $5.568 | $6.238 | |
| Year/Year Chg | (6.4%) | 15.8% | na | |
| Financials | IFS | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $1,665 | $190 | 58% |
|
| Net Income (TTM) (Mil) | $598 | $51 | 81% |
|
| EPS (TTM) | $5.376 | $2.500 | 87% |
|
| Operating Cash Flow (TTM) (Mil) | ($477) | $34 | 2% |
|
| Net Cash Flow (TTM) (Mil) | $177 | $1 | 83% |
|
| Long-Term Debt (Q1) (Mil) | $2,369 | $100 | 76% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | IFS | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.83 | 1.27 | 48% |
|
| P/E | 10.8 | 12.9 | 18% |
|
| Dividend Yield | 3.1% | 2.2% | 85% |
|
| PEG (5yr hist) | 0.3 | 1.1 | 11% |
|
| Ratios | IFS | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 68.8% | na |
|
| Net Margin | 35.9% | 28.9% | 93% |
|
| ROA | 2.2% | 1.0% | 57% |
|
| ROE | 18.4% | 11.1% | 77% |
|
| Liabilities to Assets | 87.9% | 89.8% | 82% |
|
| F-Score | 3 | 4 | 19% |
|
Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Value on the Move--PEG With Est Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 15.8% |
| +/- S&P 500: | +8.3 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
GURU STRATEGY
Dreman Screen
Factors: Value, Growth
Avoiding the psychological traps of the market by following the principles of contrarian investing.
| Performance Since Inception: | 8.6% |
| +/- S&P 500: | +1.1 |
