Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Intercorp Financial Services Inc (IFS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
10/29/2025: IFS (3-star) is a STRONG-BUY. BUY since 127 days. Simulated Profits (25.45%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $48.22
1 Year Target Price $48.22
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 80.35% | Avg. Invested days 70 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.69B USD | Price to earnings Ratio 8.84 | 1Y Target Price 48.22 |
Price to earnings Ratio 8.84 | 1Y Target Price 48.22 | ||
Volume (30-day avg) 3 | Beta 0.92 | 52 Weeks Range 24.97 - 42.72 | Updated Date 10/29/2025 |
52 Weeks Range 24.97 - 42.72 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 9.07% | Basic EPS (TTM) 4.76 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-11-06 | When After Market | Estimate 3.97 | Actual - |
Profitability
Profit Margin 35.56% | Operating Margin (TTM) 47.07% |
Management Effectiveness
Return on Assets (TTM) 1.99% | Return on Equity (TTM) 17.57% |
Valuation
Trailing PE 8.84 | Forward PE - | Enterprise Value 5355539456 | Price to Sales(TTM) 0.88 |
Enterprise Value 5355539456 | Price to Sales(TTM) 0.88 | ||
Enterprise Value to Revenue 4 | Enterprise Value to EBITDA - | Shares Outstanding 111561705 | Shares Floating 30021255 |
Shares Outstanding 111561705 | Shares Floating 30021255 | ||
Percent Insiders 73.06 | Percent Institutions 23.02 |
Upturn AI SWOT
Intercorp Financial Services Inc
Company Overview
History and Background
Intercorp Financial Services Inc. (IFS) is a leading financial services group in Peru, founded in 1896 as Banco Italiano. It evolved over time, diversifying into insurance, wealth management, and other financial services. It rebranded to Intercorp Financial Services in 2007.
Core Business Areas
- Banking: Interbank is IFS's primary banking operation, offering a range of financial products, including loans, deposits, credit cards, and transactional services to individuals, small businesses, and corporations.
- Insurance: Interseguro provides life insurance, annuities, and disability insurance products.
- Wealth Management: Inteligo provides wealth management services, including investment advisory and brokerage services, primarily to high-net-worth individuals.
- IFS Capital: IFS Capital encompasses other financial services, including microfinance and investment banking.
Leadership and Structure
IFS has a Board of Directors overseeing the group's strategic direction. The executive management team is led by the CEO, who is responsible for the overall management and performance of the company. The company is structured into distinct business units, each with its own management team and operational structure.
Top Products and Market Share
Key Offerings
- Personal Loans (Interbank): Offers a range of loan products for individuals, catering to different needs such as personal expenses, vehicle purchase, or home improvement. Estimated market share within Peruvian personal loan market is around 20%. Competitors include Banco de Credito del Peru (BCP) and Scotiabank Peru.
- Life Insurance (Interseguro): Provides life insurance policies, including term life, whole life, and universal life insurance. Estimated market share of 25% within Peruvian Life Insurance market. Primary competitors are Pacifico Seguros and Rimac Seguros.
- Annuities (Interseguro): Offers annuity products that provide a steady stream of income during retirement. Estimated to contribute 30% of Interseguro revenue. Competitors include other insurance companies in Peru and pension funds.
Market Dynamics
Industry Overview
The Peruvian financial services industry is characterized by a mix of local and international players. The banking sector is relatively concentrated, with a few large banks dominating the market. Insurance and wealth management sectors are growing, driven by increasing income levels and financial literacy.
Positioning
IFS holds a strong position in the Peruvian financial services market, particularly in banking and insurance. Its competitive advantages include a strong brand reputation, extensive distribution network, and a diversified product portfolio.
Total Addressable Market (TAM)
The Peruvian financial services market is estimated to be worth $20 Billion USD. IFS has a considerable market share in core segments like banking and insurance and is well positioned to leverage new opportunities in the growing market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Peru
- Extensive distribution network
- Diversified product portfolio
- Experienced management team
- Leading market positions in key segments
Weaknesses
- Concentration of operations in Peru
- Exposure to macroeconomic risks in Peru
- Dependence on banking sector performance
- Regulatory risks in the financial services industry
Opportunities
- Expanding into new financial services segments
- Leveraging digital technologies to improve efficiency
- Growing wealth management business
- Capitalizing on the growing middle class in Peru
- Increasing financial inclusion through microfinance initiatives
Threats
- Increased competition from local and international players
- Economic slowdown in Peru
- Changes in government regulations
- Rising interest rates
- Political instability
Competitors and Market Share
Key Competitors
- BCP (Banco de Credito del Peru)
- SCO (Scotiabank Peru)
- BVL:RIM (Rimac Seguros)
Competitive Landscape
IFS holds a strong competitive position in the Peruvian financial services market due to its diversified product portfolio, strong brand recognition, and extensive distribution network. However, it faces intense competition from other local and international players.
Major Acquisitions
Sura Peru
- Year: 2011
- Acquisition Price (USD millions): 300
- Strategic Rationale: Expansion into the pension fund management business in Peru.
Growth Trajectory and Initiatives
Historical Growth: IFS has experienced solid growth in recent years, driven by strong performance in its banking and insurance businesses.
Future Projections: Future growth projections unavailable. They would rely on analyst estimates for the Peruvian economy and financial services sector.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking platform, investing in new technologies, and strengthening its customer relationships.
Summary
Intercorp Financial Services Inc. (IFS) is a prominent financial group in Peru, known for its strong brand and diverse offerings. Its core banking and insurance segments drive growth, while its concentration in Peru and economic vulnerabilities pose challenges. To capitalize on the growing Peruvian market and digital advancements while cautiously navigating the regulatory landscape will be crucial for IFSu2019s success and sustained shareholder value.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Articles
- Industry Reports
- Analyst Reports
- SEC Filings (where applicable)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market data is approximate and may vary. Actual performance may differ from projections due to unforeseen circumstances. Please consult a financial advisor before making any investment decisions.
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, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. 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. is a subsidiary of Intercorp Perú Ltd.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.