Intercorp Financial Services In (IFS) Stock Analysis

Q: What is the IFS stock price target?

Take-profit $45.24 (+3.1% upside). Target $45.24 (+2.7%), stop $41.80 (−5.4%), A.R:R 0.3:1.

Q: What are the risks of investing in IFS?

Thin upside margin: 3.1%; Negative momentum; Momentum score 2.6/10 — below 4.5 minimum; Reward/Risk 0.3:1 at current price — below 1.5:1 minimum.

Q: Is IFS overvalued or undervalued?

Intercorp Financial Services In trades at a P/E of 9.3 (forward 7.7). TrendMatrix value score: 8.7/10. Overall verdict: Hold.

Q: What do analysts say about IFS?

8 analysts cover IFS with a consensus score of 4.3/5. Average price target: $53.

Catalyst-Driven edge

HoldModerate ConfidenceUpdated 2026-04-30

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $44.06, but acceptable to hold if already in. Reasons: Thin upside margin: 3.1%; Negative momentum.

$44.06+3.1% A.UpsideScore 5.9/10#66 of 142 Banks - Regional

Stop $41.80Target $45.24(analyst − 15%)A.R:R 0.3:1

Analyst target$53.23+20.8%3 analysts

$45.24our TP

$44.06price

$53.23mean

$64

Hold if already holding. Not a fresh buy at $44.06, but acceptable to hold if already in. Reasons: Thin upside margin: 3.1%; Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards

Strong earnings beat streak (3/4)

Attractive valuation

Margin of safety: 38%

Risks

Thin upside margin: 3.1%

Negative momentum

Key Metrics

P/E (TTM)9.3

P/E (Fwd)7.7

Mkt Cap$4.9B

EV/EBITDA—

Profit Mgn35.2%

ROE16.6%

Rev Growth1.1%

Beta0.70

Dividend4.05%

Rating analysts8

Quality Signals

Piotroski F4/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value8.715%1.30

Quality5.215%0.78

Growth4.515%0.67

Momentum2.610%0.26

Sentiment6.610%0.66

Insider Activity5.010%0.50

Peer Rank5.810%0.58

Technical Setup8.25%0.41

Risk Profile7.15%0.35

Catalyst7.35%0.36

Overall (Σ contributions)5.89

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd

0.0

Volume

0.0

Obv

1.0

Ma Position

4.0

Rsi

8.2

Uptrend pullback (RSI 33) - buy opportunityVolume distribution (falling OBV)Above 200-day MA

GatesMomentum 2.6<4.5A.R:R 0.3 < 1.5@spotEARNINGS PROXIMITY 11d<=14d (soft)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARSuitability: Aggressive

RSI

33 · Neutral

↓ 20D MA↓ 50D MA↑ 200D MAGOLDEN CROSSSupport $43.09Resistance $50.92

Price Targets

$42

$45

A.Upside+2.7%

A.R:R0.3:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeCautious

Risk Alerts

! Momentum score 2.6/10 — below 4.5 minimum

! Reward/Risk 0.3:1 at current price — below 1.5:1 minimum

Earnings

3/4 beats

Next Earnings2026-05-11 (11d)

Verdict History

reverse chrono — latest first

Loading history...

Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is IFS stock a buy right now?

Hold if already holding. Not a fresh buy at $44.06, but acceptable to hold if already in. Reasons: Thin upside margin: 3.1%; Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $45.24 (+2.7%), stop $41.80 (−5.4%), A.R:R 0.3:1. Score 5.9/10, moderate confidence.

What is the IFS stock price target?

Take-profit target: $45.24 (+3.1% upside). Target $45.24 (+2.7%), stop $41.80 (−5.4%), A.R:R 0.3:1. Stop-loss: $41.80.

What are the risks of investing in IFS?

Thin upside margin: 3.1%; Negative momentum.

Is IFS overvalued or undervalued?

Intercorp Financial Services In trades at a P/E of 9.3 (forward 7.7). TrendMatrix value score: 8.7/10. Verdict: Hold.

What do analysts say about IFS?

8 analysts cover IFS with a consensus score of 4.3/5. Average price target: $53.

What does Intercorp Financial Services In do?Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and...

Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. In addition, the company manages mutual funds and investment funds; and provides investment consultancy and related services. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.