Intercorp Financial Services Inc (IFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Intercorp Financial Services Inc stock (IFS) is currently trading at $48.76. Intercorp Financial Services Inc PE ratio is 10.19. Intercorp Financial Services Inc PS ratio (Price-to-Sales) is 0.95. Analyst consensus price target for IFS is $54.48. WallStSmart rates IFS as Moderate Buy.
- IFS PE ratio analysis and historical PE chart
- IFS PS ratio (Price-to-Sales) history and trend
- IFS intrinsic value — DCF, Graham Number, EPV models
- IFS stock price prediction 2025 2026 2027 2028 2029 2030
- IFS fair value vs current price
- IFS insider transactions and insider buying
- Is IFS undervalued or overvalued?
- Intercorp Financial Services Inc financial analysis — revenue, earnings, cash flow
- IFS Piotroski F-Score and Altman Z-Score
- IFS analyst price target and Smart Rating
Intercorp Financial Services Inc
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IFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Intercorp Financial Services Inc (IFS)
IFS trades at a significant discount to its Graham intrinsic value of $205.64, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Intercorp Financial Services Inc (IFS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Intercorp Financial Services Inc (IFS) Key Strengths (7)
Keeps $41 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Keeps $36 of every $100 in revenue as net profit
Trading at 1.47x book value, attractively priced
Strong earnings growth at 21.20% per year
Mid-cap company balancing growth potential with stability
Solid profitability: $18 profit per $100 equity
Supporting Valuation Data
Intercorp Financial Services Inc (IFS) Areas to Watch (2)
Low institutional interest, mostly retail-driven
Solid revenue growth at 12.20% per year
Intercorp Financial Services Inc (IFS) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 8.6/10) while 2 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Profit Margin. Valuation metrics including Price/Sales (0.95), Price/Book (1.47) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.50%, Operating Margin at 41.20%, Profit Margin at 35.80%. Growth metrics are encouraging with EPS Growth at 21.20%.
The Bear Case
The primary concerns are Institutional Own., Revenue Growth. Growth concerns include Revenue Growth at 12.20%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.50% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 12.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is Institutional Own., but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
IFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
IFS's Price-to-Sales ratio of 0.95x trades 94% above its historical average of 0.49x (96th percentile), historically expensive. The current valuation is 3% below its historical high of 0.98x set in Mar 2026, and 251% above its historical low of 0.27x in Apr 2024. Over the past 12 months, the PS ratio has expanded from ~0.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Intercorp Financial Services Inc (IFS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Intercorp Financial Services Inc is a mature, profitable business with steady cash generation. Revenue reached 5.5B with 12% growth year-over-year. Profit margins are strong at 35.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1750.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 35.8% and operating margin of 41.2% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 7.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Intercorp Financial Services Inc.
Bottom Line
Intercorp Financial Services Inc is a well-established business delivering consistent profitability with 35.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Intercorp Financial Services Inc(IFS)
NYSE
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.