IFS
Financial ServicesIntercorp Financial Services Inc. · Banks - Regional · $6B
What is Intercorp Financial Services Inc.?
Intercorp Financial Services is a Lima-based financial group serving retail and commercial clients across Peru. The company operates through banking, insurance, and wealth management segments, making it one of Peru's most diversified financial institutions.
The company generates revenue by offering a broad range of financial products — from everyday transactional accounts and consumer loans to corporate banking, annuities, life insurance, and investment advisory services. Its banking arm serves individuals, small businesses, and large corporates, while the insurance and wealth management segments add recurring fee and premium income streams.
Intercorp Financial Services was incorporated in 2019 and is headquartered in Lima, Peru.
- Retail and commercial banking products
- Life insurance and annuity products
- Wealth management and brokerage services
- Corporate and SME lending solutions
Is IFS a Good Stock to Buy?
UQS Score rates IFS as Good overall, reflecting a balanced profile across its five analytical pillars.
The Quality pillar registers as Good, suggesting the business generates reasonably dependable returns relative to its asset base. Valuation is rated Attractive, meaning the stock appears priced favorably compared to its fundamental profile — a notable characteristic for a diversified emerging-market financial group.
The Moat pillar is rated Weak, indicating limited structural competitive advantages that could protect market share over the long term in Peru's evolving financial landscape.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does IFS pay dividends?
Yes — Intercorp Financial Services Inc. pays a dividend.
IFS pays a regular dividend, which is consistent with the income-oriented expectations many investors bring to established financial services companies. The dividend reflects the group's ability to return capital while managing a diversified book of banking, insurance, and wealth management operations in Peru.
When does IFS report earnings?
Intercorp Financial Services reports earnings on a quarterly cadence, typical for exchange-listed financial holding companies.
The company's Growth pillar is rated Neutral, suggesting revenue and earnings expansion has been measured rather than accelerating. Risk is also rated Neutral, pointing to a broadly balanced exposure profile across its three operating segments.
For the most recent quarter's results and guidance, visit Intercorp Financial Services' investor relations page directly.
IFS Price History
+168.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Intercorp Financial Services Inc.?
Based on Intercorp Financial Services Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
IFS Long-term Outlook
With Growth rated Neutral and Risk rated Neutral, IFS appears positioned for steady rather than rapid expansion. The Attractive Valuation label suggests the market may not be fully pricing in the company's earnings potential, which could be a tailwind if Peru's financial sector deepens. The Weak Moat rating, however, remains a structural consideration for long-horizon outlooks.
Growth drivers
- Financial inclusion trends expanding Peru's banked population
- Cross-selling opportunities across banking, insurance, and wealth management
- Growing demand for consumer credit and mortgage products in an emerging market
Key risks
- Limited competitive moat in a market where larger or foreign banks could gain share
- Macroeconomic and currency volatility inherent to emerging-market operations
- Regulatory changes in Peru's financial services sector
IFS vs Peers
IFS operates in a different geographic market than most US-listed peers, but the following mid-tier banks offer useful points of comparison on quality and valuation dimensions.
Bank OZK focuses on specialty real estate lending in the United States, giving it a more concentrated loan book compared to IFS's diversified Peruvian financial group model.
Home Bancshares operates as a community banking franchise across the US South, with a domestic deposit-funded model that contrasts with IFS's emerging-market, multi-segment structure.
Axos Financial is a digitally native US bank emphasizing online lending and deposits, representing a technology-forward approach distinct from IFS's branch-and-store network in Peru.
Frequently Asked Questions
What does Intercorp Financial Services do?
Intercorp Financial Services is a Peruvian financial holding company offering banking, insurance, and wealth management services. Its banking arm covers retail and corporate clients, while insurance provides life and annuity products, and wealth management delivers advisory and brokerage services.
Does IFS pay dividends?
Yes, IFS pays a regular dividend. This is consistent with the company's profile as an established financial group with diversified income streams across banking, insurance, and wealth management in Peru. Investors seeking income may find this relevant when evaluating the stock.
When does IFS report earnings?
Intercorp Financial Services reports on a quarterly cadence. For exact dates and the most recent results, check the company's official investor relations page, as our data source does not carry forward-looking earnings calendar data.
Is IFS a good stock to buy?
UQS Score rates IFS as Good overall. The Valuation pillar is Attractive and Quality is Good, which are positive signals. However, the Moat pillar is Weak, which is a consideration. The complete pillar breakdown is available to Pro members on UQS Score.
Is IFS overvalued?
Based on the UQS Valuation pillar, IFS is rated Attractive — meaning the stock does not appear overvalued relative to its fundamental profile. This label reflects a composite view of price relative to earnings power and asset quality, not a single ratio.
How does IFS compare to its competitors?
IFS is a diversified emerging-market financial group, which distinguishes it from US-focused peers like Bank OZK, Home Bancshares, and Axos Financial. Those peers operate in domestic US markets with different regulatory environments and growth dynamics than Peru's financial sector.
What is IFS's market cap bracket?
IFS is classified as a mid-cap stock. This places it in a range that typically offers more liquidity than small-cap names while remaining below the scale of the largest global financial institutions.
Who founded Intercorp Financial Services?
Intercorp Financial Services was incorporated in 2019 as the holding entity for Intercorp's financial businesses in Peru, though the group's banking roots trace back to 1897. Founding and ownership details are publicly available through the company's official filings.
Is IFS a long-term quality investment?
As a long-term quality indicator, IFS scores Good on the UQS composite. The Attractive Valuation and Good Quality ratings are constructive, but the Weak Moat suggests investors should monitor competitive dynamics in Peru's financial sector over time. Pro members can view the full pillar detail.
What sector does IFS belong to?
IFS belongs to the Financial Services sector. Within that sector, it operates across three sub-segments — banking, insurance, and wealth management — making it one of the more diversified financial groups listed on US exchanges with primary operations in Latin America.
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Pro Analysis
IFS — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Sep 15, 2026 | 7.0 | 0.0 | 28.0 | 0.0 | 0.0 | 0.0 | -43.9 |
| Aug 9, 2026 | 50.9 | 80.7 | 28.0 | 43.5 | 0.3 | 100.0 | -3.5 |
| Aug 2, 2026 | 54.4 | 81.6 | 28.0 | 43.5 | 23.2 | 98.7 | 0.0 |
| Jul 31, 2026 | 54.4 | 81.7 | 28.0 | 43.5 | 23.2 | 98.8 | 0.0 |
| Jul 29, 2026 | 54.4 | 81.7 | 28.0 | 43.4 | 23.2 | 98.8 | +0.2 |
| Jul 25, 2026 | 54.2 | 81.0 | 28.0 | 43.4 | 23.2 | 98.4 | 0.0 |
| Jul 24, 2026 | 54.2 | 81.2 | 28.0 | 43.4 | 23.2 | 98.4 | +0.1 |
| Jul 23, 2026 | 54.1 | 81.0 | 28.0 | 43.4 | 23.2 | 98.3 | -0.1 |
| Jul 22, 2026 | 54.2 | 81.0 | 28.0 | 43.4 | 23.2 | 98.4 | -0.1 |
| Jul 20, 2026 | 54.3 | 81.2 | 28.0 | 43.5 | 23.2 | 98.7 | 0.0 |
IFS — Pillar Breakdown
Quality
— 0.0/100 (25%)Intercorp Financial Services Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)Intercorp Financial Services Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)Intercorp Financial Services Inc. presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)Intercorp Financial Services Inc. appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 28/100 (25%)Intercorp Financial Services Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for IFS.
Score Composition
Financial Data
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How is the IFS UQS Score Calculated?
The UQS (Unified Quality Score) for Intercorp Financial Services Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Intercorp Financial Services Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Intercorp Financial Services Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.