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Intercorp Financial Services In (IFS) Stock Analysis

Breakout setup

HoldHigh Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $46.62, but acceptable to hold if already in. Reason: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

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... Read more

$46.62-1.4% A.UpsideScore 7.4/10#1 of 142 Banks - Regional
QualityF-score4 / 9FCF yield
IncomeYield4.00%(5y avg 4.92%)Payout19.97%sustainable
Stop $43.88Target $45.99(resistance)A.R:R 0.0:1

Hold if already holding. Not a fresh buy at $46.62, but acceptable to hold if already in. Reason: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: Golden cross, above all MAs, RSI 66, MACD bullish. Maintain position. Not compelling to add more. Score 7.4/10, high confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 84d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

Recent Developments — Intercorp Financial Services In

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Strong overall score: 7.4/10
Risks
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)

Key Metrics

P/E (TTM)8.4
P/E (Fwd)7.6
Mkt Cap$5.0B
EV/EBITDA
Profit Mgn35.9%
ROE18.0%
Rev Growth27.6%
Beta
Dividend4.00%
Rating analysts8

Quality Signals

Piotroski F4/9MoatNarrow

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·2 ceiling hits

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

Bollinger
0.0
Support Resistance
0.8
52w Position
8.3
GatesA.R:R UPSIDE_EXHAUSTED (upside=0.0%)Momentum 8.3>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 84d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
66 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $43.16Resistance $46.93

Price Targets

$44
$46
A.Upside-1.4%
A.R:R0.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Analyst Consensus

Analysts8
Consensus4.3/5
Avg Target

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-08-11 (84d)

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 $46.62, but acceptable to hold if already in. Reason: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: Golden cross, above all MAs, RSI 66, MACD bullish. Maintain position. Not compelling to add more. Target $45.99 (-1.4%), stop $43.88 (−6.2%), A.R:R 0.0:1. Score 7.4/10, high confidence.

What is the IFS stock price target?

Take-profit target: $45.99 (-1.4% upside). Target $45.99 (-1.4%), stop $43.88 (−6.2%), A.R:R 0.0:1. Stop-loss: $43.88.

What are the risks of investing in IFS?

V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Is IFS overvalued or undervalued?

Intercorp Financial Services In trades at a P/E of 8.4 (forward 7.6). TrendMatrix value score: 9.7/10. Verdict: Hold.

What do analysts say about IFS?

8 analysts cover IFS with a consensus score of 4.3/5.

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.

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