Intercorp Financial Services Inc (IFS) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Intercorp Financial Services Inc stock $93.18, price $46.59, upside +100.0%, quality 63 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $13.44 – $60.68 · fair‑value band $71.05 – $136.50 · the $46.59 price screens below the $93.18 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru.
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The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services.
It also 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.
In addition, the company manages mutual funds and investment funds; and provides investment consultancy and related services. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
Stock analysis
Intercorp Financial Services Inc (IFS) currently trades at $46.59, while our model-based Fair Value estimate is $93.18, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $175.23 per share, and 6 of the 6 models we run sit above the $46.59 price.
Bear case: the Asset-Based group reads lowest at $65.07, and 0 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $71.05 (bear) to $136.50 (bull), the price of $46.59 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Intercorp Financial Services Inc reported revenue of $9.2B in FY2025 versus $6.3B in FY2021, a compound +10.1%/yr. Reported net income was $1.8B in FY2025, compounding +0.4%/yr from FY2021.
Key figures
Market cap $5.3B Mid · P/E ratio 8.6 · P/S ratio 1.70 · EPS (TTM) $5.39 · Dividend yield 13.0% · Net margin 19.7% · Return on equity 17.2% · Return on assets (EBIT) 2.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 73 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 31% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, IFS screens cheaper than that median.
Fair Value models
Bear$71.05Fair Value $93.18Bull$136.50
Price $46.59 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
SaleGuzman Hugo Antonio Santa MariaDirector225 shares at $47.76$10,746Mar 26, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+4.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
Start year 2020 (pandemic). Over 10 years: +5.3% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+18.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.0%
Dividend (yield on the price)13.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5.0% vs 6.5%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 25%
News mood ⓘNews mood, the average tone of recent news (70 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Diversified operations across banking, insurance and wealth management deliver solid ROE through higher-yielding loans, while limited public information and regional competition leave its competitive position only moderate.
Main risk: New entrants such as Revolut Bank Perú and Prex Perú might attract retail customers with digital-first models, pressuring prices and margins in banking and payments.
Bull case: By leveraging its ecosystem synergies with retail and accelerating digital adoption including AI partnerships, the company could retain and expand its customer base despite new entrants.
Bear case: If fintech competition intensifies and sovereign debt risks materialize, the company might face margin compression and investment losses eroding profitability in core segments.
Intercorp Financial Services runs a diversified model across banking, insurance and wealth management in Peru with solid ROE and growth in higher-yielding loans. Our models currently see the shares as undervalued even after Zacks downgraded the stock to hold following a second-quarter EPS beat but revenue miss. Will the resilient client and fee growth in its core businesses offset the top-line shortfall or does the miss highlight slower momentum ahead?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)17.2% · Top 25%
Return on assets1.8% · Top 25%
Net margin (12 months)35.7% · Above median
Operating margin (12 months)44.7% · Above median
Growth and dividend
Revenue growth (quarter YoY)3.8% · Below median
Dividend yield (12 months)13.0% · Top 25%
Balance sheet
Debt / equity0.45× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Intercorp Financial Services Inc (IFS) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $93.18 versus a price of $46.59, about +100% upside (undervalued).
What is the fair value of IFS?
Our model-based fair value for Intercorp Financial Services Inc is $93.18 (as of Nov 9, 2026), built from audited fundamentals. The current price: $46.59.
What is the quality score of IFS?
Intercorp Financial Services Inc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Intercorp Financial Services Inc (IFS)?
Our model-based price target is the fair value of $93.18 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $71.05, optimistic scenario $136.50. It is a calculation from audited fundamentals, not an analyst target.
What is the Intercorp Financial Services Inc stock forecast for 2026?
Our models put fair value at $93.18, about +100% upside versus a price of $46.59 (undervalued). Cautious scenario $71.05, optimistic scenario $136.50. The calculation is refreshed regularly with new filings.
What is the revenue of Intercorp Financial Services Inc (IFS)?
Intercorp Financial Services Inc reported trailing-twelve-month revenue of about $5.9B (latest available figure, as of Nov 9, 2026).
Does Intercorp Financial Services Inc pay a dividend?
Intercorp Financial Services Inc currently shows a dividend yield of 13.00% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Intercorp Financial Services Inc (IFS) and when is the ex-dividend date?
Intercorp Financial Services Inc pays a dividend of $6.06 per share a year, a dividend yield of 13.0%. The last ex-dividend date was Apr 23, 2026. A dividend has been paid every year since at least 2018. The payout ratio is 112% of earnings. Our assessment: Payout strained. The dividend exceeds reported earnings (though reported profit is often depressed by one-off charges), and free cash flow only just covers it (or coverage is unknown). Not an emergency, but little room for error.
What is the intrinsic value of Intercorp Financial Services Inc (IFS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Intercorp Financial Services Inc it is $93.18 per share (as of Nov 9, 2026), against a price of $46.59. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Intercorp Financial Services Inc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, IFS trades below its calculated fair value: price $46.59, fair value $93.18, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IFS?
No. The price is what the market pays today ($46.59); the fair value is what the company's own numbers justify ($93.18). For Intercorp Financial Services Inc the two are $46.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Intercorp Financial Services Inc worth?
The market values Intercorp Financial Services Inc at about $5.3B (market capitalisation, as of Nov 9, 2026). Per share that is $46.59; our models calculate a fair value of $93.18 per share.
What do the bullish and bearish scenarios say about IFS?
Our models span a range for Intercorp Financial Services Inc: cautious scenario $71.05, base $93.18, optimistic $136.50 per share (as of Nov 9, 2026, price $46.59). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IFS?
Intercorp Financial Services Inc trades at a price-to-earnings ratio of 8.6 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $93.18 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.9.
How solid is the balance sheet of Intercorp Financial Services Inc (IFS)?
Balance-sheet figures for Intercorp Financial Services Inc (as of Nov 9, 2026): return on equity 17.2%, debt of 0.45 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is IFS from its 52-week high?
Intercorp Financial Services Inc trades at $46.59, about 23% below its 52-week high of $60.68 and 31% above the low of $35.61 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $93.18 is for.
Which stocks are comparable to Intercorp Financial Services Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Intercorp Financial Services Inc stock attractive at the current price?
The data as of Nov 9, 2026: price $46.59, calculated fair value $93.18 (+100%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IFS calculated?
We run Intercorp Financial Services Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $93.18 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Intercorp Financial Services Inc currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Intercorp Financial Services Inc (IFS)?
The closing price on Nov 6, 2026 was $46.59. Our model-based fair value is $93.18, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Intercorp Financial Services Inc right now?
The price is below even our cautious bear case ($71.05). The market is more pessimistic than our downside scenario. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($71.05 to $136.50) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Intercorp Financial Services Inc (IFS) come from?
Earnings per share at Intercorp Financial Services Inc grew +2.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.1 %, EBIT margin −3.7 %, tax rate +0.5 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Intercorp Financial Services Inc
How large is the market capitalisation of Intercorp Financial Services Inc (IFS)?
The market capitalisation of Intercorp Financial Services Inc is $5.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Intercorp Financial Services Inc (IFS)?
The price-to-sales ratio of Intercorp Financial Services Inc is 1.70 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Intercorp Financial Services Inc (IFS)?
Earnings per share at Intercorp Financial Services Inc are $5.39 (price ÷ EPS = P/E 8.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Intercorp Financial Services Inc (IFS)?
The dividend yield of Intercorp Financial Services Inc is 13.0% (payout 112%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Intercorp Financial Services Inc (IFS)?
The net margin of Intercorp Financial Services Inc is 19.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Intercorp Financial Services Inc (IFS)?
The return on equity (ROE) of Intercorp Financial Services Inc is 17.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Intercorp Financial Services Inc (IFS)?
On an EBIT basis the return on assets of Intercorp Financial Services Inc is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Intercorp Financial Services Inc (IFS)?
The operating margin of Intercorp Financial Services Inc is 44.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Intercorp Financial Services Inc (IFS)?
Revenue at Intercorp Financial Services Inc is growing +3.8% versus a year earlier (3y avg +7.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Intercorp Financial Services Inc (IFS)?
Earnings per share at Intercorp Financial Services Inc are growing +2.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Intercorp Financial Services Inc (IFS) generate?
The free cash flow of Intercorp Financial Services Inc is $1.3B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Intercorp Financial Services Inc (IFS) carry?
The net debt of Intercorp Financial Services Inc is $793M (fiscal year 2025, ≈ 0.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 9, 2026