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Upturn AI Summary - About
Intercorp Financial Services Inc(IFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for IFS
10/13/2026: IFS (3-star) is currently NOT-A-BUY. Pass it for now.
Intercorp Financial Services is a diversified financial holding company based in Peru, operating through banking, insurance, and wealth management segments. The company has a leading position in Peruvian retail banking and annuity products, benefiting from deep integration within the broader Intercorp consumer ecosystem. Its primary growth opportunity lies in increasing financial inclusion and digitizing services for an underserved population. However, investors must weigh these prospects against risks like Peruvian political instability, economic cyclicality, and intensifying competition from regional fintechs. The stock may suit value-oriented investors seeking regional emerging market exposure, though it remains sensitive to local macroeconomic conditions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to Peruvian macroeconomic trends rather than rapid tech-scale expansion. |
| Momentum investor | Weak fit | Stock performance is often volatile and driven by emerging market sentiment. |
| Value investor | Strong fit | The stock often trades at valuations reflective of its emerging market risk profile. |
| Dividend investor | Strong fit while signal remains positive | The company maintains a consistent dividend policy which can be attractive for income-focused portfolios. |
| Low-risk investor | Weak fit | Exposure to Peruvian political and economic volatility makes it unsuitable for low-risk strategies. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's emerging market status leads to significant price fluctuations based on macro news. |
| Valuation risk | Medium | Valuation is sensitive to country risk premiums which can change rapidly. |
| Competition risk (banking competition) | Medium / high | Deeply entrenched rivals and potential fintech entrants pose ongoing competitive pressure. |
| Business quality | Medium | The company has a solid, integrated business model, but its concentrated exposure limits quality scoring. |
| Dividend income | Medium | Dividends depend on local profitability and regulatory capital adequacy. |
| Execution risk | Medium | Successfully executing digital transformation in a developing market remains complex. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 93.03% | Avg. Invested days 69 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.91B USD | Price to earnings Ratio 9.85 | 1Y Target Price 66.02 |
Price to earnings Ratio 9.85 | 1Y Target Price 66.02 | ||
Volume (30-day avg) 199.3K shares | Beta 0.42 | 52 Weeks Range 35.42 - 61.38 | Updated Date 10/13/2026 |
52 Weeks Range 35.42 - 61.38 | Updated Date 10/13/2026 | ||
Dividends yield (FY) 11.25% | Basic EPS (TTM) 5.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking (Interbank) | Interest margin on loans, credit card fees, and account services. | The primary engine of the company, profiting from the spread between lending and borrowing. |
| Insurance (Interseguro) | Premiums from life and annuity products. | A stable source of cash flow that benefits from long-term policy commitments. |
| Wealth Management (Inteligo) | Asset management fees and brokerage commissions. | Provides service-based fee income from high-net-worth clients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 9.85 | Forward PE - | Enterprise Value 13.78B | Price to Sales(TTM) 1.01 |
Enterprise Value 13.78B | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 4.81 | Enterprise Value to EBITDA - | Shares Outstanding 110.40M | Shares Floating 28.86M |
Shares Outstanding 110.40M | Shares Floating 28.86M | ||
Percent Insiders 73.41 | Percent Institutions 23.71 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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