Stock Scorecard
Stock Summary for Intercorp Financial Services Inc (IFS) - $46.94 as of 3/21/2026 12:56:19 AM EST
Total Score
20 out of 30
Safety Score
54 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for IFS
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for IFS
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for IFS
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for IFS
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for IFS (54 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 6 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for IFS
Financial Details for IFS
Company Overview |
|
|---|---|
| Ticker | IFS |
| Company Name | Intercorp Financial Services Inc |
| Country | USA |
| Description | Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 5/11/2026 |
Stock Price History |
|
| Last Day Price | 46.94 |
| Price 4 Years Ago | 20.65 |
| Last Day Price Updated | 3/21/2026 12:56:19 AM EST |
| Last Day Volume | 502,243 |
| Average Daily Volume | 288,368 |
| 52-Week High | 52.58 |
| 52-Week Low | 28.19 |
| Last Price to 52 Week Low | 66.51% |
Valuation Measures |
|
| Trailing PE | 10.19 |
| Industry PE | 14.58 |
| Sector PE | 59.93 |
| 5-Year Average PE | 2.05 |
| Free Cash Flow Ratio | 0.44 |
| Industry Free Cash Flow Ratio | 10.92 |
| Sector Free Cash Flow Ratio | 40.00 |
| Current Ratio Most Recent Quarter | 2.07 |
| Total Cash Per Share | 107.61 |
| Book Value Per Share Most Recent Quarter | 31.17 |
| Price to Book Ratio | 1.54 |
| Industry Price to Book Ratio | 1.08 |
| Sector Price to Book Ratio | 1.58 |
| Price to Sales Ratio Twelve Trailing Months | 0.99 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.07 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 111,352,000 |
| Market Capitalization | 5,226,862,880 |
| Institutional Ownership | 24.98% |
Dividends |
|
| Ex-Dividend Date | 4/24/2025 |
| Previous Dividend Amount | 1.0000 |
| Current Dividend Amount | 1.0000 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.00 |
| Trailing Annual Dividend Yield | 2.13% |
| Forward Annual Dividend Rate | 1.00 |
| Forward Annual Dividend Yield | 2.13% |
| 5-Year Dividend Payments Count | 6 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | -7.94% |
| 5-Year Dividend Growth Rate Percentage | -8.39% |
| All-Time Dividend Growth Rate Percentage | -5.45% |
| Dividend Payout Ratio | 19.80% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 21.20% |
| Annual Earnings Growth | 40.11% |
| Reported EPS 12 Trailing Months | 5.05 |
| Reported EPS Past Year | 17.01 |
| Reported EPS Prior Year | 11.33 |
| Net Income Twelve Trailing Months | 1,891,976,447 |
| Net Income Past Year | 1,821,593,597 |
| Net Income Prior Year | 1,300,078,000 |
| Quarterly Revenue Growth YOY | 12.20% |
| 5-Year Revenue Growth | 8.68% |
| Operating Margin Twelve Trailing Months | 41.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 11,982,705,845 |
| Total Cash Past Year | 11,982,705,845 |
| Total Cash Prior Year | 12,197,426,000 |
| Net Cash Position Most Recent Quarter | 6,392,297,845 |
| Net Cash Position Past Year | 6,392,297,845 |
| Long Term Debt Past Year | 5,590,408,000 |
| Long Term Debt Prior Year | 9,242,215,000 |
| Total Debt Most Recent Quarter | 5,590,408,000 |
| Equity to Debt Ratio Past Year | 0.69 |
| Equity to Debt Ratio Most Recent Quarter | 0.69 |
| Total Stockholder Equity Past Year | 12,347,489,297 |
| Total Stockholder Equity Prior Year | 10,915,235,000 |
| Total Stockholder Equity Most Recent Quarter | 12,347,489,297 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 1,078,283,315 |
| Free Cash Flow Per Share Twelve Trailing Months | 9.68 |
| Free Cash Flow Past Year | 3,059,555,582 |
| Free Cash Flow Prior Year | -1,882,274,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.01 |
| MACD Signal | -0.35 |
| 20-Day Bollinger Lower Band | 37.80 |
| 20-Day Bollinger Middle Band | 44.83 |
| 20-Day Bollinger Upper Band | 51.87 |
| Beta | 0.81 |
| RSI | 59.24 |
| 50-Day SMA | 29.20 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 3/26/2026 1:00:28 AM EST |