66.22 USD (+26.6%)
3 analysts
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Intercorp Financial Services is a Peruvian financial conglomerate offering banking, insurance, and investment services through its subsidiaries, primarily in Peru.
Key points
from its scores- ✓High-quality business9.4
- ✓Good share-price trend7.8
- ✓Attractive dividend7.5
- !Moderate growth5.1
AI analysis
bottom line, main risk, context and newsFundamentals are solid and valuation is reasonable, but Peru's country risk warrants some caution.
Intercorp Financial Services shows solid profitability (ROE 17.23%) and very high margins (net margin 35.66%), with an attractive valuation (P/E 9.70) and a sustainable dividend (payout 33.71%). Growth is moderate, but the quality of the business and positive momentum (42.64%) support a favorable outlook, although Peru's jurisdictional risk is a factor to watch.
The main risk is jurisdictional exposure to Peru, with weak institutional governance and potential political instability that could affect minority shareholder protection and business stability.
Context and risks
Intercorp Financial Services operates in Peru, an emerging market with weak institutional governance and limited minority shareholder protection. Although it is not a state-owned company, the country's institutional quality adds material jurisdictional risk not captured by financial metrics.
Is Intercorp Financial Services stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 21% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 9.7 | 13.7 | −29% |
| Price / book | 1.6 | 1.9 | −13% |
| Price / sales | 3.4 | 3.5 | −2% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 7.1 out of 10 (median for Financial Services: 5.2).
Average analyst target: 66.22 USD, +26.6% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 6.3 (sector 5.5), Growth 5.1 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 9.7
- Forward P/E
- 7.9
- Price / book
- 1.6
- Price / sales
- 3.4
- PEG
- 3.30
- Market cap
- 5.8B USD
- Enterprise value
- 27.6B PEN
Profitability
- ROE
- 17.2%
- ROA
- 2.1%
- ROIC (approx.)
- 9.8%
- Gross margin
- 0.0%
- Operating margin
- 44.7%
- Net margin
- 35.7%
Solvency
- Total debt
- 14.4B PEN
- Net debt
- 7.8B PEN
- Cash
- 6.6B PEN
Growth
- Revenue growth
- +3.8%
- Earnings growth
- +2.4%
- EPS (TTM)
- 5.39 USD
- EPS (forward)
- 6.61 USD
Dividend
- Dividend yield
- 3.4%
- Payout
- 33.7%
Risk and market
- Beta
- 0.42
- Analyst consensus
- none (3)
- Target price
- 66.22 USD
- 52-week range
- 38.29 – 61.38
Recent news
All IFS news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Intercorp Financial Services
Is Intercorp Financial Services stock cheap or expensive?
On P/E and Price / book, it trades 21% below the Financial Services median on average. Valuation score: 7.1 out of 10 (median for Financial Services: 5.2). Average analyst target: 66.22 USD, +26.6% versus the price. This is not investment advice.
What score does Intercorp Financial Services get on MeridIAn Screener?
It scores 7.3 out of 10, rank 90 of 2,130 (better than 95% of the companies analysed). Its strongest category is Quality / Moat (9.4) and its weakest, Growth (5.1). Analysis of 08/10/2026.
What is Intercorp Financial Services's P/E ratio?
Its P/E is 9.7: the share price equals 9.7 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 7.9.
How much is Intercorp Financial Services worth on the stock market?
Its market capitalisation is 5.8B USD.
Does Intercorp Financial Services pay a dividend?
Yes: its dividend yield is 3.44% and it pays out 34% of its earnings.
How has Intercorp Financial Services stock performed over the last year?
It has risen 36.3% over the last year, excluding dividends. Over the last 52 weeks it has traded between 38.29 and 61.38 USD. Past performance does not guarantee future results.
What do analysts think of Intercorp Financial Services?
3 analysts cover it; their average recommendation is “none” and their average target is 66.22 USD (+26.6% versus the price). It is an estimate, not market data.