Intercorp Financial Services Inc (IFS)vsU.S. Bancorp (USB)
IFS
Intercorp Financial Services Inc
$47.12
-2.75%
FINANCIAL SERVICES · Cap: $6.31B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 359% more annual revenue ($26.65B vs $5.81B). IFS leads profitability with a 35.9% profit margin vs 29.3%. IFS trades at a lower P/E of 10.6x. IFS earns a higher WallStSmart Score of 73/100 (B).
IFS
Strong Buy73
out of 100
Grade: B
USB
Strong Buy71
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
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 : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : IFS
The primary concerns for IFS are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
IFS profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
IFS is growing revenue faster at 24.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
IFS scores higher overall (73/100 vs 71/100), backed by strong 35.9% margins and 24.8% 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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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