Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Intercorp Financial Services Inc (IFS)
Today’s top pick
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: IFS (3-star) is a STRONG-BUY. BUY since 153 days. Profits (41.74%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 62.99% | Avg. Invested days 55 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.80B USD | Price to earnings Ratio 10.52 | 1Y Target Price 37.28 |
Price to earnings Ratio 10.52 | 1Y Target Price 37.28 | ||
Volume (30-day avg) 171176 | Beta 0.8 | 52 Weeks Range 20.56 - 34.60 | Updated Date 04/1/2025 |
52 Weeks Range 20.56 - 34.60 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 3.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.98% | Operating Margin (TTM) 45.38% |
Management Effectiveness
Return on Assets (TTM) 1.41% | Return on Equity (TTM) 12.46% |
Valuation
Trailing PE 10.52 | Forward PE - | Enterprise Value 14040439808 | Price to Sales(TTM) 0.85 |
Enterprise Value 14040439808 | Price to Sales(TTM) 0.85 | ||
Enterprise Value to Revenue 3.93 | Enterprise Value to EBITDA - | Shares Outstanding 113289000 | Shares Floating 31727635 |
Shares Outstanding 113289000 | Shares Floating 31727635 | ||
Percent Insiders 71.2 | Percent Institutions 25.48 |
Analyst Ratings
Rating 4.5 | Target Price 35.24 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Intercorp Financial Services Inc
Company Overview
History and Background
Intercorp Financial Services Inc. (IFS) was founded in 1896 as Banco Internacional del Peru. Over time, it evolved into a diversified financial services group with operations primarily in Peru. Significant milestones include expanding into insurance, wealth management, and investment banking. The company rebranded as Intercorp Financial Services in 2007.
Core Business Areas
- Banking: Banco Internacional del Peru (Interbank) provides retail and commercial banking services, including deposit accounts, loans, credit cards, and other financial products.
- Insurance: Interseguro offers life insurance, annuities, and property and casualty insurance products.
- Wealth Management: Intercorp provides asset management and brokerage services through Interfondos and Inteligo SAB.
Leadership and Structure
IFS has a board of directors overseeing the management team. Key executives include the CEO, CFO, and heads of the main business segments.
Top Products and Market Share
Key Offerings
- Personal Loans: Interbank offers a variety of personal loan products. Competitors include Banco de Credito del Peru (BCP), Scotiabank Peru and BBVA Peru. Market share data isn't readily available without specific market research access, but Interbank is a significant player.
- Credit Cards: Interbank provides a range of credit cards with different rewards and benefits. Competitors include Banco de Credito del Peru (BCP), Scotiabank Peru and BBVA Peru. Market share data isn't readily available without specific market research access, but Interbank is a significant player.
- Annuities: Interseguro offers annuity plans, providing regular income streams to retirees. Competitors include Pacifico Seguros and Rimac Seguros. Market share data isn't readily available without specific market research access, but Interseguro is a significant player.
Market Dynamics
Industry Overview
The Peruvian financial services industry is characterized by moderate growth, increasing financial inclusion, and growing demand for credit and insurance products. It is influenced by macroeconomic conditions, regulatory changes, and technological advancements.
Positioning
IFS is a leading financial services group in Peru, with a strong brand reputation, extensive distribution network, and diversified product portfolio. Its competitive advantages include its integrated business model and focus on customer service.
Total Addressable Market (TAM)
The TAM for financial services in Peru is estimated in the billions of dollars. IFS is positioned to capture a significant share of this market through its diversified offerings and strong market presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Extensive distribution network
- Experienced management team
- Focus on innovation
Weaknesses
- Concentration of operations in Peru
- Exposure to regulatory risks
- Dependence on macroeconomic conditions
- Potential for increased competition
Opportunities
- Expanding into new markets
- Developing new products and services
- Increasing financial inclusion
- Leveraging digital technologies
- Growing middle class
Threats
- Economic downturn in Peru
- Increased regulatory scrutiny
- Political instability
- Cybersecurity risks
- Changes in consumer preferences
Competitors and Market Share
Key Competitors
- BCP
- BVN
- BBVA
Competitive Landscape
IFS competes with other major banks and financial institutions in Peru. Its advantages include its diversified business model and strong brand, while its disadvantages include its concentration in Peru and exposure to regulatory risks.
Major Acquisitions
SURA Asset Management Peru
- Year: 2023
- Acquisition Price (USD millions): 75
- Strategic Rationale: Strengthening asset management capabilities and expanding market share in the pension fund sector.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends requires specific financial data. Please refer to IFS's official financial reports for this information.
Future Projections: Future projections requires analyst estimates which is not readily available. Please refer to financial news sources for analyst insights.
Recent Initiatives: Recent initiatives include expanding digital banking services, investing in fintech startups, and launching new insurance products.
Summary
Intercorp Financial Services is a leading financial group in Peru with a strong brand and diversified business model. Its digital initiatives and strategic acquisitions support growth, but it faces risks from economic conditions and regulatory changes. The company's focus on customer service and innovation positions it well, but dependence on Peru creates some vulnerability. They should be wary of BCP, BBVA and BVN.
Similar Companies
- BK
- BBVA
- CFR
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share figures are estimates and may not be precise. Please conduct thorough research before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Intercorp Financial Services Inc
Exchange NYSE | Headquaters - | ||
IPO Launch date 2019-08-08 | CEO & GM Lord Luis Felipe Castellanos Lopez-Torres B.B.A. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 8542 | Website https://www.ifs.com.pe |
Full time employees 8542 | Website https://www.ifs.com.pe | ||
Intercorp Financial Services Inc., together with its subsidiaries, offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company provides loans, credit facilities, deposits, and current accounts; life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and brokerage and investment management services. It 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. The company was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.