IFS Valuation

Intercorp Financial Services Inc

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40.120

+1.5(3.884%)1D

Overview
Forecast
Valuation
Earnings

IFS Relative Valuation

IFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, IFS is overvalued; if below, it's undervalued.

Historical Valuation

Intercorp Financial Services Inc (IFS) is now in the Fair zone, suggesting that its current forward PE ratio of 7.74 is considered Fairly compared with the five-year average of 7.69. The fair price of Intercorp Financial Services Inc (IFS) is between 35.48 to 49.94 according to relative valuation methord.

Relative Value

Fair Zone

35.48-49.94

Current Price：38.92

Fair

7.78

Trailing

Forward

0.00

EV/EBITDA

Intercorp Financial Services Inc. (IFS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Intercorp Financial Services Inc. (IFS) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.23

Intercorp Financial Services Inc. (IFS) has a current PS of 2.23. The 5-year average PS is 1.98. The thresholds are as follows: Strongly Undervalued below 1.28, Undervalued between 1.28 and 1.63, Fairly Valued between 2.33 and 1.63, Overvalued between 2.33 and 2.68, and Strongly Overvalued above 2.68. The current Forward PS of 2.23 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Intercorp Financial Services Inc. (IFS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Intercorp Financial Services Inc. (IFS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Intercorp Financial Services Inc (IFS) has a current Price-to-Book (P/B) ratio of 1.31. Compared to its 3-year average P/B ratio of 1.10 , the current P/B ratio is approximately 19.27% higher. Relative to its 5-year average P/B ratio of 1.19, the current P/B ratio is about 9.89% higher. Intercorp Financial Services Inc (IFS) has a Forward Free Cash Flow (FCF) yield of approximately -15.62%. Compared to its 3-year average FCF yield of 1.15%, the current FCF yield is approximately -1454.42% lower. Relative to its 5-year average FCF yield of 4.78% , the current FCF yield is about -427.01% lower.

1.32

P/B

Median3y

1.10

Median5y

1.19

-15.67

FCF Yield

Median3y

1.15

Median5y

4.78

Competitors Valuation Multiple

The average P/S ratio for IFS's competitors is 3.76, providing a benchmark for relative valuation. Intercorp Financial Services Inc Corp (IFS) exhibits a P/S ratio of 2.23, which is -40.74% above the industry average. Given its robust revenue growth of 18.33%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

IFS.N

Intercorp Financial Services Inc

ServisFirst Bancshares Inc

International Bancshares Corp

Atlantic Union Bankshares Corp

Performance Decomposition

Market capitalization of IFS increased by 57.95% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 19.37 to 33.15.

The secondary factor is the Revenue Growth, contributed 18.33%to the performance.

Overall, the performance of IFS in the past 1 year is driven by Margin Expansion. Which is more sustainable.

18.33%

1.48B → 1.75B

Revenue Growth

71.14%

19.37 → 33.15

Margin Expansion

-31.52%

11.76 → 8.06

P/E Change

57.95%