0.57%
3.63%
10.03%
34.43%
26.58%
-2.73%
-29.53%
AI Spotlight on IFS
Company Description
Intercorp Financial Services Inc.provides banking, insurance, and wealth management services for retail and commercial clients in Peru.The company operates through three segments: Banking, Insurance, and Wealth Management.
It provides transactional accounts, such as cuenta sueldo and cuenta simple; savings accounts; investment accounts; and time deposits, certificates of deposit, and compensation for service time accounts.The company also offers retail banking products, including credit cards, payroll deduction loans, mortgages, and consumer loans, as well as cash, student, and collateralized cash loans.In addition, the company provides corporate, medium-size business, and small business banking services; and commercial banking products, which include commercial real estate, vehicles, machinery and other goods, cash management, trade finance, and electronic factoring products.
Further, it offers treasury and institutional banking, as well as securitization services.Additionally, the company provides annuities and conventional life insurance, and other retail insurance products, as well as financial advisory services for equities, fixed income, structured products, alternative investments, and managed accounts; brokerage, and investment management services.As of December 31, 2021, it operated 189 financial stores and 1,581 ATMs. Intercorp Financial Services Inc.
was incorporated in 1897 and is based in Lima, Peru.Intercorp Financial Services Inc.operates as a subsidiary of Intercorp Perú Ltd.
Market Data
| Last Price | 29.95 |
| Change Percentage | 0.57% |
| Open | 29.46 |
| Previous Close | 29.78 |
| Market Cap ( Millions) | 3458 |
| Volume | 169797 |
| Year High | 30.59 |
| Year Low | 20.56 |
| M A 50 | 28.97 |
| M A 200 | 25.24 |
Financial Ratios
| FCF Yield | 24.97% |
| Dividend Yield | 3.17% |
| ROE | 10.76% |
| Debt / Equity | 119.79% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 1.22 |
| Price Earnings Ratio | 11.61 |
| Price To FCF | 4.01 |
| Price To sales | 2.67 |
| EV / EBITDA | 0 |
News
- Jan -31 - TotalEnergies chooses IFS for global asset management transformation
- Jan -30 - IFS or BX: Which Is the Better Value Stock Right Now?
- Jan -28 - Best Income Stocks to Buy for January 28th
- Jan -16 - Best Growth Stocks to Buy for January 16th
- Jan -16 - Here's Why 'Trend' Investors Would Love Betting on Intercorp Financial Services (IFS)
- Jan -16 - Best Value Stocks to Buy for January 16th
- Jan -16 - New Strong Buy Stocks for January 16th
- Jan -15 - Will Intercorp Financial Services (IFS) Beat Estimates Again in Its Next Earnings Report?
- Jan -15 - INTERCORP FINANCIAL SERVICES, INC. TO HOST FOURTH QUARTER 2024 EARNINGS CONFERENCE CALL & VIDEO WEBCAST PRESENTATION
- Jan -14 - IFS vs. BX: Which Stock Is the Better Value Option?
- Dec -17 - BW Offshore chooses IFS Cloud to deliver global efficiencies
- Nov -13 - Intercorp Financial Services Inc. (IFS) Q3 2024 Earnings Call Transcript
- Oct -24 - INTERCORP FINANCIAL SERVICES, INC. TO HOST THIRD QUARTER 2024 EARNINGS CONFERENCE CALL & VIDEO WEBCAST PRESENTATION
- Oct -16 - IFS or SOFI: Which Is the Better Value Stock Right Now?
- Oct -16 - IFS Announces the Launch of the Copperleaf Accelerate Program
- Oct -15 - Rolls-Royce Power Systems Chooses IFS Cloud's Industrial AI to Drive Service Delivery and Sustainability
- Sep -26 - After Golden Cross, Intercorp Financial Services Inc. (IFS)'s Technical Outlook is Bright
- Aug -29 - IFS Completes CAN$1 Billion Copperleaf Acquisition
- Jul -25 - INTERCORP FINANCIAL SERVICES, INC. TO HOST SECOND QUARTER 2024 EARNINGS CONFERENCE CALL & VIDEO WEBCAST PRESENTATION
- Jun -18 - IFS or BX: Which Is the Better Value Stock Right Now?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 8.27 %
What the company do ?
Intercorp Financial Services Inc.'s banking segment provides a range of financial services, including consumer and commercial banking, credit cards, and wealth management.
Why we expect these perspectives ?
Intercorp Financial Services Inc.'s 8.27% growth in Banking is driven by increasing demand for digital payment solutions, strategic expansion into emerging markets, and a strong focus on customer acquisition and retention. Additionally, the company's investments in technology and process efficiencies have improved operational scalability, contributing to the segment's growth.
Segment n°2 -> Insurance
Expected Growth : 8.5 %
What the company do ?
Intercorp Financial Services Inc. offers insurance products, including life, health, and pension plans, providing financial protection and security to individuals and families.
Why we expect these perspectives ?
Intercorp Financial Services Inc.'s 8.5% growth in insurance is driven by increasing demand for protection products, expansion into new markets, and strategic partnerships. Additionally, the company's digital transformation efforts, improved customer experience, and competitive pricing strategies have contributed to its growth momentum.
Segment n°3 -> Payment Means
Expected Growth : 10.1 %
What the company do ?
Payment Means from Intercorp Financial Services Inc. refers to the various methods customers can use to make payments, such as credit cards, debit cards, or online banking.
Why we expect these perspectives ?
The 10.1% growth in Payment Means from Intercorp Financial Services Inc. is driven by increasing adoption of digital payment solutions, expansion into new markets, and strategic partnerships. Additionally, the rise of e-commerce and mobile payments, coupled with improving economic conditions, have contributed to the growth.
Segment n°4 -> Wealth Management
Expected Growth : 8.9 %
What the company do ?
Wealth Management from Intercorp Financial Services Inc. offers personalized investment solutions, portfolio management, and financial planning to high net worth individuals and families.
Why we expect these perspectives ?
Intercorp Financial Services Inc.'s Wealth Management segment growth of 8.9% is driven by increasing demand for investment products, expansion into new markets, and strategic partnerships. Additionally, the segment benefits from a strong brand reputation, diversified product offerings, and a growing high-net-worth individual client base.
Segment n°5 -> Holding and Consolidation Adjustments
Expected Growth : 6.15 %
What the company do ?
Holding and Consolidation Adjustments from Intercorp Financial Services Inc. refer to the elimination of intercompany transactions and unrealized profits to present a consolidated financial position.
Why we expect these perspectives ?
Intercorp Financial Services Inc.'s 6.15% growth in Holding and Consolidation Adjustments is driven by strategic acquisitions, effective cost management, and revenue diversification. The company's ability to integrate new businesses, optimize operational efficiencies, and expand into high-growth markets has contributed to this growth.
Intercorp Financial Services Inc. Products
| Product Range | What is it ? |
|---|---|
| Banco Internacional del Perú (BIP) | A commercial bank that provides a wide range of financial services to individuals and businesses in Peru. |
| Interbank | A leading bank in Peru that offers a variety of financial products and services, including credit cards, loans, and investment products. |
| Interseguros | An insurance company that provides a range of insurance products, including life insurance, health insurance, and property insurance. |
| Interfondo | A pension fund manager that provides retirement savings plans and other investment products. |
| Prima AFP | A leading pension fund manager in Peru that provides a range of investment products and retirement savings plans. |
| La Positiva | A leading insurance company in Peru that provides a range of insurance products, including life insurance, health insurance, and property insurance. |
Intercorp Financial Services Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Intercorp Financial Services Inc. is medium due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is high due to the availability of multiple financial service providers, giving customers the power to switch between providers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the company's large scale of operations and ability to negotiate favorable terms with suppliers.
Threat Of New Entrants
The threat of new entrants is medium due to the presence of regulatory barriers and the need for significant capital investment to enter the financial services market.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of multiple established financial institutions and the need to compete for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 52.22% |
| Debt Cost | 8.01% |
| Equity Weight | 47.78% |
| Equity Cost | 8.01% |
| WACC | 8.01% |
| Leverage | 109.30% |
Intercorp Financial Services Inc. : Quality Control
Intercorp Financial Services Inc. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BAP | Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current … |
| MIL.WA | Bank Millennium S.A. provides various banking products and services in Poland. It operates through Retail Customer; Corporate Customer; FX Mortgage Loans; and Treasury, Assets and Liabilities Management and Other segments. … |
| BIRG.IR | Bank of Ireland Group plc provides various banking and financial products and services. The company operates through Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury segments. It … |
| ZUGER.SW | Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland. It offers private banking products comprising bank accounts in various currencies and card products; personal, … |
| LUKN.SW | Luzerner Kantonalbank AG provides various banking products and services to individuals, companies, institutions, families, and non-profit organizations in Switzerland. It offers accounts and deposit products; savings and pension solutions; investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Intercorp Financial Services
A-Score
1-Year Total Return ->
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Credicorp
A-Score
1-Year Total Return ->
🥉
Bank of Ireland
A-Score
1-Year Total Return ->
4
Zuger KB
A-Score
1-Year Total Return ->
5
Luzerner Kantonalbank
A-Score
1-Year Total Return ->
6
