Lumida
/IFS
⌘K
Intercorp Financial Services Inc

Intercorp Financial Services Inc

IFS
$59.46USD↑+1.24%+0.73 today

MARKET CAP

6.9B

P/E (TTM)

11.1x

FWD P/E

9.8x

DAY RANGE

$57 – $60

52W RANGE

$35
$61

AI Summary

Stalk
Buy NowMedium

IFS remains in a Stage 2 advance within its long-term uptrend, driven by an active Lockout Rally indicating forced participation. Despite overbought internals, price is pulling back into the rising 9-day and 21-day EMAs, which continue to slope higher. These dynamics, combined with strong medium-term trend support, justify immediate engagement on the pullback. We will Buy Now into the rising EMA zone under Lockout Rally conditions.

  • ↑Record net income 602 M soles (+35% YoY) with ROE 19.4%.
  • ↑Total loans grew 6% YoY; higher-yield loans rose 9% YoY.
  • ↓Election-year volatility could pressure growth and borrowing.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Intercorp Financial Services Inc. (NYSE: IFS) is a leading financial conglomerate in Peru, providing a comprehensive suite of financial services, including banking, insurance, and wealth management. With strong footholds through subsidiaries like Interbank, Interseguro, and Intelligo, IFS is strategically positioned to capitalize on the robust economic growth in Peru and cater to the evolving financial needs of consumers and businesses alike. The company's long-term vision focuses on digital transformation, aiming to integrate advanced technology within its core operations, aligning with broader trends in the financial sector.

Bull says

  • ↑Record net income 602 M soles (+35% YoY) with ROE 19.4%.
  • ↑Total loans grew 6% YoY; higher-yield loans rose 9% YoY.
  • ↑Digital initiatives drove 14% growth in primary banking customers.
  • ↑NIM up 90 bps to 4.2% with cost of risk at 1.4%.
  • ↑Dividend yield 1.96% supports income-focused investors.
  • ↑High earnings yield, robust growth and momentum; low leverage.

Bear says

  • ↓Election-year volatility could pressure growth and borrowing.
  • ↓Pension fund withdrawals have flattened consumer loan growth.
  • ↓Cost of risk may rise from 1.4% amid growing competition.
  • ↓Negative analyst revisions dampen earnings expectations.
  • ↓Negative book-to-price suggests potential overvaluation risk.
  • ↓Low liquidity flexibility could constrain operations under stress.

Investment themes with IFS

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-12-2026neutral

Transcript signals

Bull points

  • Intercorp Financial Services will discuss its first quarter 2026 earnings.
  • In the first quarter of 2026, we see a robust start to the year, delivering a solid performance across all segments as mentioned by Luis Felipe. Net income reached a quarterly record of 602 million soles, making a 35% increase compared to the prior year and a return on equity of 19.4%.
  • higher yielding loans continue with a positive momentum, showing a 9% growth on a year-over-year basis.

Bear points

  • the near-term outlook has become more challenging. Inflation has picked up above the central bank's target due to temporary supply shocks, and global conditions have turned more volatile, particularly with higher energy prices.
  • the outlook remains subject to certain risks. The international environment has become more volatile, with higher energy prices and external uncertainty potentially pressuring inflation and growth outlook.
  • pension fund withdrawals
Read full transcript analysis ›