Intercorp Financial Services Inc (IFS)vsMizuho Financial Group Inc. (MFG)
IFS
Intercorp Financial Services Inc
$47.12
-2.75%
FINANCIAL SERVICES · Cap: $6.31B
MFG
Mizuho Financial Group Inc.
$9.52
0.00%
FINANCIAL SERVICES · Cap: $115.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 75645% more annual revenue ($4.40T vs $5.81B). IFS leads profitability with a 35.9% profit margin vs 28.4%. IFS trades at a lower P/E of 10.6x. MFG earns a higher WallStSmart Score of 78/100 (B+).
IFS
Strong Buy73
out of 100
Grade: B
MFG
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Revenue surging 24.8% year-over-year
Earnings expanding 37.3% YoY
Strong operational efficiency at 32.5%
Earnings expanding 680.0% YoY
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : IFS
The strongest argument for IFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.9% and operating margin at 46.9%. Revenue growth of 24.8% demonstrates continued momentum.
Bull Case : MFG
The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.
Bear Case : IFS
The primary concerns for IFS are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : MFG
The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
IFS carries more volatility with a beta of 0.56 — expect wider price swings.
IFS is growing revenue faster at 24.8% — sustainability is the question.
MFG generates stronger free cash flow (487.7B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (78/100 vs 73/100), backed by strong 28.4% margins and 16.7% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
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.
Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?