- ISIN
- PAL2400671A3
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Aug 8, 2019
Highlights
- Market Cap
- $5.45B
- Enterprise Value
- $10.22B
- EPS (TTM)
- $18.58
- PE Ratio
- 2.64
- PEG Ratio
- 0.46
- Total Revenue (TTM)
- $9.79B
- Gross Profit (TTM)
- $6.59B
- EBITDA (TTM)
- $2.86B
- Year Range
- $35.08 - $53.00
- Target Price
- $30.50
- ROA (TTM)
- 2.08%
- ROE (TTM)
- 17.29%
Share Price Chart
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Performance
IFS Performance Chart
Intercorp Financial Services Inc. (IFS) is up 20.6% since the beginning of the year. At $49 per share, IFS is trading 7.4% below its 52-week high of $53. Investors who bought $1,000 worth of IFS shares 5 years ago would now be looking at an investment worth $2,074.
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Returns By Period
Intercorp Financial Services Inc. (IFS) has returned 20.63% so far this year and 46.79% over the past 12 months.
Intercorp Financial Services Inc.
- 1D
- -2.68%
- 1M
- 11.57%
- YTD
- 20.63%
- 6M
- 26.08%
- 1Y
- 46.79%
- 3Y*
- 35.25%
- 5Y*
- 15.71%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
IFS Monthly Returns History
Based on dividend-adjusted daily data since Aug 8, 2019, IFS's average daily return is +0.06%, while the average monthly return is +1.18%. At this rate, an investment would double in approximately 4.9 years.
Historically, 53% of months were positive and 47% were negative. The best month was Nov 2020 with a return of +44.4%, while the worst month was Mar 2020 at -28.6%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 4 months.
On a daily basis, IFS closed higher 50% of trading days. The best single day was Nov 9, 2020 with a return of +13.3%, while the worst single day was Mar 16, 2020 at -12.8%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 15.63% | -1.22% | 3.76% | -7.56% | 10.99% | -0.79% | 20.63% | ||||||
| 2025 | 1.50% | 7.59% | 3.40% | 5.51% | 2.18% | 10.17% | -5.43% | 10.15% | 1.56% | 6.67% | -6.37% | 5.14% | 49.00% |
| 2024 | 6.83% | 16.42% | -12.78% | -6.29% | 12.90% | -6.90% | 1.56% | 11.60% | 2.87% | 3.60% | 2.51% | 5.73% | 39.89% |
| 2023 | 2.09% | -0.67% | -4.24% | 3.35% | -5.01% | 16.89% | -1.21% | -4.93% | -3.47% | -16.61% | 1.92% | 14.68% | -1.52% |
| 2022 | 19.52% | 2.44% | 6.97% | -16.01% | -0.15% | -14.25% | 2.82% | -10.39% | -6.96% | 22.63% | -0.00% | -4.47% | -5.41% |
| 2021 | -0.99% | 8.96% | -14.33% | -11.73% | 9.66% | -10.73% | -18.99% | 11.11% | -1.24% | 28.62% | 0.97% | -6.45% | -13.75% |
Benchmark Metrics
Intercorp Financial Services Inc. has an annualized alpha of 5.03%, beta of 0.61, and R2 of 0.11 versus S&P 500 Index. Calculated based on daily prices since August 09, 2019.
- This stock participated in 87.91% of S&P 500 Index downside but only 66.88% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.61 may look defensive, but with R2 of 0.11 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.11 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 5.03%
- Beta
- 0.61
- R²
- 0.11
- Upside Capture
- 66.88%
- Downside Capture
- 87.91%
Return for Risk
Risk / Return Rank
IFS ranks 82 for risk / return — in the top 82% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Intercorp Financial Services Inc. (IFS) and compare them to S&P 500 Index.
| IFS | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.72 | ||
| Sortino ratioReturn per unit of downside risk | -0.98 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.41 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 3.51 | 2.93 | +0.58 |
| Martin ratioReturn relative to average drawdown | 8.80 | 13.52 | -4.72 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
Intercorp Financial Services Inc. provided a 3.67% dividend yield over the last twelve months, with an annual payout of $1.80 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Dividend | $1.80 | $1.00 | $1.00 | $1.18 | $1.75 | $1.42 | $1.75 |
Dividend yield | 3.67% | 2.36% | 3.41% | 5.38% | 7.45% | 5.38% | 5.41% |
Monthly Dividends
The table displays the monthly dividend distributions for Intercorp Financial Services Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $1.80 | $0.00 | $0.00 | $1.80 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $1.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.00 |
| 2024 | $0.00 | $0.00 | $0.00 | $1.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.00 |
| 2023 | $0.00 | $0.00 | $0.00 | $1.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.18 |
| 2022 | $0.00 | $0.00 | $0.00 | $1.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.75 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.65 | $1.42 |
Dividend Yield & Payout
Dividend Yield
Intercorp Financial Services Inc. has a dividend yield of 3.67%, which is quite average when compared to the overall market.
Payout Ratio
Intercorp Financial Services Inc. has a payout ratio of 20.35%, which is below the market average. This means Intercorp Financial Services Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Intercorp Financial Services Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Intercorp Financial Services Inc. was 55.33%, occurring on Aug 9, 2021. Recovery took 904 trading sessions.
The current Intercorp Financial Services Inc. drawdown is 2.89%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2021 bear market2021 | -55.33%Aug 2021 | 1y 6mo | 3y 7mo | 5y 1moJan 2020 - Mar 2025 |
2025 selloff2025 | -13.55%Apr 2025 | 12d | 21d | 1mo 3dMar 2025 - Apr 2025 |
2026 correction2026 | -13.40%Mar 2026 | 23d | 1mo 3d | 1mo 26dFeb 2026 - Apr 2026 |
2025 correction2025 | -11.72%Nov 2025 | 10d | 1mo 22d | 2mo 2dNov 2025 - Jan 2026 |
2026 correction2026 | -11.70%Apr 2026 | 14d | 28d | 1mo 12dApr 2026 - May 2026 |
Drawdown Indicators
| IFS | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.33% | -56.78% | +1.45% |
Max Drawdown (1Y)Largest decline over 1 year | -13.40% | -9.10% | -4.30% |
Max Drawdown (3Y)Largest decline over 3 years | -28.42% | -18.90% | -9.52% |
Max Drawdown (5Y)Largest decline over 5 years | -44.33% | -25.43% | -18.90% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -2.89% | -0.74% | -2.15% |
Average DrawdownAverage peak-to-trough decline | -24.87% | -10.72% | -14.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.33% | 1.97% | +3.36% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Intercorp Financial Services Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Intercorp Financial Services Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for IFS, comparing it with other companies in the Banks - Regional industry. Currently, IFS has a P/E ratio of 2.6. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for IFS compared to other companies in the Banks - Regional industry. IFS currently has a PEG ratio of 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for IFS relative to other companies in the Banks - Regional industry. Currently, IFS has a P/S ratio of 0.6. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for IFS in comparison with other companies in the Banks - Regional industry. Currently, IFS has a P/B value of 0.5. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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