IFS
Intercorp Financial Services Inc.
IFS's fundamentals are mixed: its operating margin rose 6 points to 29%, but revenue fell 11%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
IFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
IFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like IFS.
IFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.5x | $35.81 | -30% |
| Fair | 8.4x | $46.57 | -9.3% |
| Current | 9.3x | $51.36 | — |
| Expensive | 12x | $67.13 | +31% |
Historical ranges are pointers, not guarantees.
IFS's PE is 9.3x, but its earnings don't support one, so it isn't a reliable read right now.
IFS Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for IFS, but weaker profitability.
IFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $5.52 | +12% |
| Q1 2026 | $5.49 | +33% |
| Q4 2025 | $5.06 | +51% |
| Q3 2025 | $5.10 | +81% |
| Q2 2023 | $4.08 | +8.2% |
| Q1 2023 | $3.88 | -9.6% |
| Q4 2022 | $4.22 | -8.5% |
| Q3 2022 | $3.93 | -20% |
IFS earned $5.52 per share over the past year, up 12% from the year before. Its recent earnings include one-off gains.
IFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $710.7M | -26% |
| Q1 2026 | $899.1M | +32% |
| Q4 2025 | $374.5M | -44% |
| Q3 2025 | $641.3M | -1.9% |
| Q2 2025 | $956.4M | +44% |
| Q1 2025 | $680.6M | +12% |
| Q4 2024 | $668.2M | -1.8% |
| Q3 2024 | $653.5M | -0.2% |
IFS's revenue has slid since its 2025 peak: $711M last quarter, down 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 29% | +7.7 points |
| Q1 2026 | 25% | +1.1 points |
| Q4 2025 | 48% | +21 points |
| Q3 2025 | 26% | +5.2 points |
| Q2 2025 | 21% | +5.1 points |
| Q1 2025 | 24% | +15 points |
| Q4 2024 | 28% | +15 points |
| Q3 2024 | 21% | +9.5 points |
IFS's operating margin was 29% last quarter, up 7.7 points from the same quarter a year ago.
IFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $795.8M | +531% |
| Q1 2026 | -$63.9M | +$74.7M |
| Q4 2025 | $769M | +$1.1B |
| Q3 2025 | -$373.3M | -160% |
| Q2 2025 | $126.2M | +$383.2M |
| Q1 2025 | -$138.5M | -119% |
| Q4 2024 | -$341.8M | -$190M |
| Q3 2024 | $622.2M | +179% |
IFS's free cash flow was $1.1B over the past year, about four times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like IFS.
IFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -205K shares |
| 1 year | -1.3% | -1.4M shares |
| 3 years | -3.9% | -4.5M shares |
| 5 years | -3.9% | -4.5M shares |
| Available history | -4% | -4.6M shares |
IFS has 111M diluted shares, down 1.3% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | $31.5M |
| Q1 2026 | $453,026 |
| Q4 2025 | $10.7M |
| Q3 2025 | $8.1M |
| Q2 2025 | $16.7M |
| Q1 2025 | $41.6M |
| Q4 2024 | $34.6M |
| Q3 2024 | $1.3M |
IFS spent $51M buying back its own shares over the past year, down 46% from the year before.
IFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | 2.5x | Moderate |
| Q4 2024 | -0.2x | Net Cash |
| Q3 2024 | -1.1x | Net Cash |
IFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like IFS.
IFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.1 | Neutral |
| Stochastic | 14.0 | Oversold |
IFS's weekly RSI is 48 (neutral) and its Stochastic is 14 (oversold).
IFS PE vs Financial Services Sector
| Metric | IFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.3x | 13x | 29% below |
| PE % | 61 | 63 | 2 pts below |
IFS is trading at 9.3x earnings, a 29% discount to the Financial Services sector's median of 13x, though its earnings don't support one.
IFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $51.8 | 0.9% below |
| 20 week MA | $55.0 | 6.6% below |
| 50 week MA | $50.4 | 1.9% above |
| 100 week MA | $43.1 | 19% above |
| 200 week MA | $33.3 | 54% above |
IFS has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 54% above its 200-week average.
IFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.7 | $30.0 | -26% |
| 2021 | $30.0 | $25.5 | -15% |
| 2022 | $25.5 | $23.3 | -8.6% |
| 2023 | $23.3 | $22.0 | -5.9% |
| 2024 | $22.0 | $29.1 | +32% |
| 2025 | $29.1 | $42.9 | +48% |
| 2026 YTD | $42.9 | $51.4 | +20% |
IFS has finished lower in four of the last six years. It's up 20% so far in 2026.