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Upturn AI SWOT - About
Intercorp Financial Services Inc (IFS)
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Upturn Advisory Summary
07/02/2025: IFS (4-star) is a STRONG-BUY. BUY since 44 days. Profits (10.57%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $43.58
1 Year Target Price $43.58
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 58.96% | Avg. Invested days 57 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.23B USD | Price to earnings Ratio 11.77 | 1Y Target Price 43.58 |
Price to earnings Ratio 11.77 | 1Y Target Price 43.58 | ||
Volume (30-day avg) 3 | Beta 0.87 | 52 Weeks Range 20.74 - 38.65 | Updated Date 07/2/2025 |
52 Weeks Range 20.74 - 38.65 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 2.62% | Basic EPS (TTM) 3.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.78% | Operating Margin (TTM) 41.59% |
Management Effectiveness
Return on Assets (TTM) 1.72% | Return on Equity (TTM) 15.17% |
Valuation
Trailing PE 11.77 | Forward PE - | Enterprise Value 13964518400 | Price to Sales(TTM) 0.87 |
Enterprise Value 13964518400 | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 112031000 | Shares Floating 30490277 |
Shares Outstanding 112031000 | Shares Floating 30490277 | ||
Percent Insiders 71.95 | Percent Institutions 24.72 |
Analyst Ratings
Rating 1 | Target Price 43.58 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Intercorp Financial Services Inc
Company Overview
History and Background
Intercorp Financial Services Inc. (IFS) was founded in Peru. It has evolved from a traditional banking institution to a diversified financial services provider, with a long history of serving the Peruvian market.
Core Business Areas
- Banking: Banco Internacional del Peru00fa (Interbank) offers a wide range of banking products and services including deposits, loans, credit cards, and transaction services to individuals and businesses.
- Insurance: Interseguro provides life insurance, annuities, and disability insurance products.
- Wealth Management: Offers wealth management and investment services to high-net-worth individuals.
Leadership and Structure
IFS is led by a board of directors and a management team. It operates with a hierarchical structure, with each business segment managed by its own dedicated leadership.
Top Products and Market Share
Key Offerings
- Credit Cards: Credit cards with various rewards and benefits programs. Competitors include Banco de Credito del Peru (BCP) and Scotiabank Peru. Market share varies by product and segment but Interbank is a major player.
- Personal Loans: Unsecured loans for various purposes. Competitors include other banks like Banco de Credito del Peru (BCP) and Scotiabank Peru. Market share varies by product and segment but Interbank is a major player.
- Annuities: Insurance products that provide a steady stream of income in retirement. Competitors include AFP Integra and AFP Prima. Market share varies by product and segment but Interseguro is a major player.
- Mortgages: Loans for purchasing residential properties. Competitors include Banco de Credito del Peru (BCP) and Scotiabank Peru. Market share varies by product and segment but Interbank is a major player.
Market Dynamics
Industry Overview
The Peruvian financial services industry is growing. Increased financial inclusion is a positive driver of the market.
Positioning
IFS is one of the leading financial services groups in Peru, known for its strong brand, extensive distribution network, and diversified product portfolio.
Total Addressable Market (TAM)
The TAM includes all potential financial services customers in Peru. IFS is positioned to capture a significant portion of this market with its diverse offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Diversified product portfolio
- Experienced management team
- High market share in key segments
Weaknesses
- Concentration of operations in Peru
- Exposure to regulatory changes
- Sensitivity to economic conditions in Peru
- Potential credit risk in lending operations
Opportunities
- Expanding into new markets in Latin America
- Increasing financial inclusion in Peru
- Developing new digital financial products and services
- Acquiring smaller financial institutions
Threats
- Increased competition from local and international players
- Changes in government regulations
- Economic downturn in Peru
- Cybersecurity risks
- Fluctuations in exchange rates
Competitors and Market Share
Key Competitors
- BAP.LM
- CREDCORP.LM
Competitive Landscape
IFS has advantages in its diversified product portfolio and extensive network. BAP.LM and CREDCORP.LM are strong competitors.
Major Acquisitions
Sura Asset Management Peru
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded its wealth management business by acquiring a portion of Sura Asset Management in Peru.
Growth Trajectory and Initiatives
Historical Growth: This information should be derived from their financial statements.
Future Projections: This information should be derived from analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives such as digital transformation projects.
Summary
Intercorp Financial Services Inc. is a strong player in the Peruvian financial services market, benefitting from a diversified portfolio and wide network. Economic conditions in Peru and competition remain key challenges. Strategic initiatives and acquisitions are enhancing its position. It has to look out for political and economic instability in Peru that can affect financial markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Intercorp Financial Services Inc. Annual Reports
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Intercorp Financial Services Inc
Exchange NYSE | Headquaters - | ||
IPO Launch date 2019-08-08 | CEO & GM Lord Luis Felipe Castellanos Lopez-Torres B.B.A. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 8542 | Website https://www.ifs.com.pe |
Full time employees 8542 | Website https://www.ifs.com.pe | ||
Intercorp Financial Services Inc., together with its subsidiaries, offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. It provides loans, credit facilities, deposits, and current accounts; life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and brokerage and investment management services. The company 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. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. is a subsidiary of Intercorp Perú Ltd.
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