Valuation dashboard for Intercorp Financial Services Inc. (IFS) with P/E 8.66, P/B 1.41, EV/EBITDA 4.3 and dividend yield 3.82%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
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.
Analysis Summary
Intercorp Financial Services Inc. reported revenue of 9.24B PEN in the most recent fiscal year, growing at a 5-year CAGR of 8.7%. Net income reached 1.82B PEN, with a 36.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 64.1%, operating margin 29.4%, net margin 23.3%.
At $47.06 (closing price, October 30, 2026), IFS trades at a P/E of 8.66 and an ROE of 16.90%. Market capitalisation stands at $5.2B.
Balance sheet quality for IFS: debt-to-equity ratio of 1.09, current ratio of 0.74 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 8.66 |
| Price / Book | 1.41 |
| EV / EBITDA | 4.3 |
| Dividend Yield | 3.82% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| IFS | Intercorp Financial Services Inc. | $5.2B | 8.66 | 1.41 | 16.9% |
| UBSI | United Bankshares, Inc. | $6.6B | 13.10 | 1.22 | 9.4% |
| HWC | Hancock Whitney Corporation | $5.8B | 14.46 | 1.37 | 9.3% |
| OZK | Bank OZK | $5.5B | 8.50 | 0.92 | 10.9% |
| IBOC | International Bancshares Corporation | $4.1B | 9.96 | 1.22 | 12.7% |
| WBS | Webster Financial Corporation | $12.6B | 12.61 | 1.27 | 10.7% |
| GBCI | Glacier Bancorp, Inc. | $6.3B | 18.19 | 1.46 | 8.1% |
| ABCB | Ameris Bancorp | $5.5B | 14.41 | 1.33 | 9.4% |
Price
| Price | $47.06 (closing price, October 30, 2026) |
| Market Cap | $5.2B |
| Exchange | NYSE |
| Country | PE |
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% |
Related companies: UBSI · HWC · OZK · IBOC · GBCI · ABCB · AUB
Explore sector: Financial Services · Banks - Regional
More sections of IFS: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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