Intercorp Financial Services Inc. (IFS) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Intercorp Financial Services Inc. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through three primary divisions: Banking, Insurance, and Wealth Management.
Is Intercorp Financial Services Inc. stock overvalued or undervalued in 2026?
Intercorp Financial Services Inc. (IFS) trades at 8.7× earnings (P/E), against a median of 12.9× across the 321 financial services companies above $2bn in Kaplio's universe. At Kaplio's cap P/B for its ROTCE 16.9 % (2.0×) $67 (+42 %); at its peers' median (1.2×) $42 (-11 %).
Kaplio overview: Intercorp Financial Services Inc.
Market cap $5B · 52 weeks $38 – $61 (22 % below the high) · P/E 8.7× · 2027 est. P/E 7.1× · Dividend 3.8 % · Next earnings November 9, 2026 · expected EPS $1.42 · Closing price, Oct 30 · accounts published Aug 11.
- Valuation: P/B 1.4× (justified).
- Business: ROTCE 16.9 % (excellent).
- Balance sheet: Capital/assets 12.5 % (solid).
- Earnings: 7 of 8 (on track).
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 16.9 % (2.0×) $67 (+42 %); at its peers' median (1.2×) $42 (-11 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 5 of 5 pass
- ROA 2.0 %, passes.
- ROTCE 16.9 %, passes.
- Equity / Assets (Tier 1 proxy) 12.5 %, passes.
- P/B (Price / Book) 1.4×, passes.
- Sustainable dividend yield 3.8 %, passes.
Against its peers (reference peers) — Intercorp Financial Services Inc.: P/E 8.7×; P/B 1.4×; ROE 16.9 %; $5.2B. Axos Financial, Inc. (P/E 10.3×; P/B 1.6×; ROE 16.3 %; $5.1B), Grupo Aval Acciones y Valores S.A. (P/E 9.8×; P/B 0.9×; ROE 9.5 %; $5.3B), Atlantic Union Bankshares Corporation (P/E 10.7×; P/B 0.0×; ROE 0.0 %; $5.5B).
Dividend
tight (only raised recently) · Yield 3.8 % ($1.05 per ADS in 2025) · 5-year growth -10 % a year · Free cash flow coverage payout 22 % · With $1,000 invested today you'd collect $38.20 a year ($3.18 a month).
Profitability
| Return on Equity | 16.90% |
| Return on Invested Capital | 4.58% |
| Return on Assets | 1.98% |
| Gross Margin | 64.11% |
| Operating Margin | 29.43% |
| Net Margin | 23.32% |
Financial Health
| Debt / Equity | 1.09 |
| Current Ratio | 0.74 |
| Piotroski F-Score | 9 |
| Altman Z-Score | 0.39 |
Price Performance
| 1 month | -11.39% |
| 3 months | -20.24% |
| Year-to-date | +11.10% |
| 1 year | +9.37% |
| 3 years | +153.01% |
| 5 years | +63.12% |
Dividend History
Paid in the last 12 months: $1.80 per share in 1 payments.
| Date | Amount |
|---|---|
| April 24, 2026 | $1.80 |
| April 24, 2025 | $1.00 |
| April 17, 2024 | $1.00 |
| April 27, 2023 | $1.18 |
| April 27, 2022 | $1.663 |
| December 14, 2021 | $0.618 |
| April 27, 2021 | $0.77 |
| April 27, 2020 | $1.75 |
| April 23, 2019 | $1.75 |
| April 23, 2018 | $1.40 |
Amounts adjusted for stock splits.
Related companies: UBSI · HWC · OZK · IBOC · GBCI · ABCB · AUB
Explore sector: Financial Services · Banks - Regional
More sections of IFS: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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