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Upturn AI SWOT - About
Intercorp Financial Services Inc (IFS)
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Upturn Advisory Summary
09/12/2025: IFS (3-star) is a STRONG-BUY. BUY since 94 days. Simulated Profits (23.89%). 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 $47.14
1 Year Target Price $47.14
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 78.1% | Avg. Invested days 65 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.68B USD | Price to earnings Ratio 9.08 | 1Y Target Price 47.14 |
Price to earnings Ratio 9.08 | 1Y Target Price 47.14 | ||
Volume (30-day avg) 3 | Beta 0.97 | 52 Weeks Range 23.48 - 42.20 | Updated Date 09/14/2025 |
52 Weeks Range 23.48 - 42.20 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 8.99% | Basic EPS (TTM) 4.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 9.08 | Forward PE - | Enterprise Value 5344382976 | Price to Sales(TTM) 0.88 |
Enterprise Value 5344382976 | Price to Sales(TTM) 0.88 | ||
Enterprise Value to Revenue 4.11 | Enterprise Value to EBITDA - | Shares Outstanding 111562000 | Shares Floating 30021255 |
Shares Outstanding 111562000 | Shares Floating 30021255 | ||
Percent Insiders 73.06 | Percent Institutions 24.69 |
Upturn AI SWOT
Intercorp Financial Services Inc
Company Overview
History and Background
Intercorp Financial Services Inc. (IFS) was founded in 1896 as Banco Internacional del Peru. It has evolved through various stages, becoming a diversified financial services group in Peru. Significant milestones include expansions into insurance, wealth management, and other financial services.
Core Business Areas
- Banking: Banco Internacional del Peru (Interbank) provides a range of banking services, including retail banking, commercial banking, and corporate banking. It includes loans, deposits, and other services to the public.
- Insurance: Interseguro provides insurance products, including life insurance, property and casualty insurance, and health insurance.
- Wealth Management: Inteligo provides wealth management services, including investment management, brokerage services, and financial planning.
- Retail: Supermercados Peruanos is a retail services arm providing Supermarkets and pharmacies across Peru
- Real Estate: Oeschle a local real estate and property group
Leadership and Structure
IFS is led by a board of directors and a management team. The organizational structure includes various business units and support functions.
Top Products and Market Share
Key Offerings
- Retail Banking: Interbank offers personal loans, mortgages, credit cards, and savings accounts. Competitors include Banco de Credito del Peru (BCP) and Scotiabank Peru. No market share is readily available in US market data.
- Commercial Banking: Interbank provides loans, transaction services, and trade finance to businesses. Competitors are BCP, BBVA Continental, and Scotiabank Peru. No market share is readily available in US market data.
- Life Insurance: Interseguro offers life insurance policies. Competitors include Rimac Seguros and Pacifico Seguros. No market share is readily available in US market data.
Market Dynamics
Industry Overview
The Peruvian financial services industry is characterized by growth in banking, insurance, and wealth management. The retail sector is growing due to increased disposable income.
Positioning
IFS is a leading financial services group in Peru with a strong presence in banking and insurance. Competitive advantages include a well-established brand and a diversified business model.
Total Addressable Market (TAM)
TAM for financial services in Peru is estimated to be in the billions of dollars. IFS is positioned to capture a significant share of this market through its diversified offerings.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong brand recognition
- Extensive distribution network
- Leading market position in Peru
Weaknesses
- Concentration in Peru
- Exposure to Peruvian macroeconomic risks
- Regulatory risks
- Currency fluctuations
Opportunities
- Expansion into new markets
- Growth in wealth management
- Increased demand for insurance products
- Digital transformation
Threats
- Increased competition
- Economic downturn in Peru
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BCP.LM
- BVN.L
- BBVA
Competitive Landscape
IFS faces competition from both local and international financial institutions. It competes on price, product offerings, and service quality. IFS's brand recognition and extensive distribution network are key advantages.
Major Acquisitions
SURA Asset Management Peru
- Year: 2011
- Acquisition Price (USD millions): 266
- Strategic Rationale: The acquisition was intended to expand IFS's wealth management business.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to real-time financial databases and cannot be accurately provided without that access. Consult IFS's SEC filings and investor relations materials for detailed figures.
Future Projections: Future projections are based on analyst estimates and can vary. These estimates are readily available from financial news providers.
Recent Initiatives: Recent initiatives include digital transformation efforts, expansion of wealth management services, and investment in technology.
Summary
Intercorp Financial Services Inc. is a diversified financial services group with a strong market position in Peru. The company benefits from its diversified business model and brand recognition. However, it faces risks related to its concentration in Peru and macroeconomic conditions. The company needs to manage the threat of economic downturn in Peru to be successful.
Peer Comparison
Sources and Disclaimers
Data Sources:
- IFS Investor Relations
- MarketWatch
- Bloomberg
- Company Filings
Disclaimers:
The data and analysis provided are based on available information and analyst estimates, and should not be considered financial advice. Market share data is indicative and may not be precise.
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.
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