Intercorp Financial Services stock
IFSNYSEIntercorp Financial Services Inc., Financial ServicesISIN PAL2400671A3
79Score 79 out of 100, Strong
Price and trend
65 / 100
Price history
+27% in one yearThe chart shows daily closes over 7 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 0.6% below it.
Since September 2024 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 50).
The price is 15% below its 52-week high. Largest decline in 7 years: 61% (July 2019 to August 2021).
Chart figures for advanced users
- SMA 50$52.95
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$51.87
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)50
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$38.50
- The lowest closing price of the last twelve months.
- Resistance$60.68
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Intercorp Financial Services Inc. belongs to the Banks (Regional) industry (Peru) and, with a market value of $5.65B, is number 167 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of PEN 7.11B (up 8.8% year on year) and earnings of PEN 1.82B (up 40.1%).
- MEQIRI Score 79 out of 100 (Strong): rank 107 of 976 in Financial Services, median 68.
Show more
- The P/E is 9.3 (Banks (Regional) median 12.2, own median of recent years 8.7).
- Our model puts fair value at $72.31, with the price 29% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 37.5% a year since 2020.Growth 82
- High return on equityReturn on equity 16.4% over the last 12 months.Profitability 73
- Below fair valuePrice 29% below the fair value of $72.31.Valuation 90
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are fundamentals and valuation.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 76 to 79.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $55.62 and expensive above $103.30 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $76.56 (excess return model) and $68.05 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.9%. At 9.9% the fair value would be $65.97, at 7.9% it would be $81.78.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 6.6% on the twelve months before. Revenue has grown solidly since 2006, at about 11% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 33%, net 26%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 10 Feb 2027in 90 days
- Last reported
- 9 Nov 2026EPS reported 1.22 (expected 1.46)below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 20.46+0.1%
- Revenue
- PEN 7.11B−1.5%
- Earnings per share
- 22.98+1.0%
- Revenue
- PEN 7.97B−1.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −4.4%Guidance unchanged: full-year return on equity above 17%, even though the first half came in higher at 18.9%.
“Our ROE for the first semester reached 18.9% above our guidance. While we are encouraged by this performance, we are not changing our guidance at this point and continue to expect full year ROE above 17%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 12 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
- Santa Maria Guzman Hugo AntonioSale
26 Mar 2026, Board
- Shares
- 225
- Price
- $47.76
- Value
- $10,746
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Intercorp Financial Services
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 79
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Hokuhoku Financial Group8377.T $5.79B68
- Associated Banc-CorpASB $5.78B68
- Yes BankYESBANK.NS $5.78B47
- Hancock WhitneyHWC $5.75B63
- Ameris BancorpABCB $5.56B61
- Atlantic Union BanksharesAUB $5.56B70
- Taiwan Business Bank2834.TW $5.56B65
- Bank OZKOZK $5.51B74
ETFs that hold Intercorp Financial Services
Held by 9 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI EM Small Cap UCITS ETFEUNI | 0.11% | 0.74% | €274.03M |
| State Street SPDR MSCI Emerging Markets Small Cap UCITS ETFSPYX | 0.11% | 0.55% | €516.44M |
| Avantis Emerging Markets Equity UCITS ETF USD AccAVEM | 0.06% | 0.35% | €277.45M |
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| iShares Core MSCI EM IMI UCITS ETFIS3N | 0.02% | 0.18% | €37.17B |
| iShares MSCI EM IMI Screened UCITS ETF USD (Acc)AYEM | 0.01% | 0.18% | €5.15B |
| Vanguard ESG Global All Cap UCITS ETF (USD) AccumulatingV3AA | 0.00% | 0.24% | €1.69B |
| Vanguard FTSE Global All-Cap UCITS ETF Accum USDVGLA | 0.00% | 0.07% | €3.9B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.