# Intercorp Financial Services Inc. (IFS) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $55.74, market value $6.2 billion.

## Valuation
- **P/E (trailing): 10.2×** (5-yr avg 1.9×, 3-yr avg 2.3×). Intercorp Financial Services Inc. trades at 10.2× trailing earnings, well above its own five-year average of 1.9×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.16**. A PEG of 0.16 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.8%**. The inverse of the P/E: 9.8% of the price is earned each year.

## Profitability
- **Net margin: 28.0%**. 28.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.6%**. 15.6% on shareholders' equity is solid.
- **Return on assets: 2.1%**. Each dollar of assets produces 2.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 52.0%** (3-yr 6.2%/yr). Earnings per share rose 52.0%.

## Dividends
- **Dividend yield: 3.23%** ($1.80 per share, trailing). Intercorp Financial Services Inc. yields 3.23%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 21%**. 21% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -10.6%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Intercorp Financial Services Inc.; the consensus is buy, with an average price target of $67.96 (+22% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 42.4%** (YTD 37.0%, 3-mo 18.3%). The shares are up 42.4% over twelve months including dividends.
- **From 52-week high: -9.2%** (45.6% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.73** (volatility 33%). Beta of 0.73 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IFS · Page: https://foliofundamentals.com/stocks/ifs

Not investment advice.