Intercorp Financial Services Inc. Common Shares (IFS)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett-style investor, I start with whether the business earns high returns without dangerous leverage. Intercorp Financial Services is a Peruvian retail and commercial bank with insurance, wealth management and payments operations—a diversified financial franchise. On FairStock’s calculations, at the 2026-10-13 close of $54.60, it trades at 10.13 times earnings and 1.66 times book, while return on equity is 17.23%. That is not a cigar butt; it looks like a reasonably profitable bank at a modest price. In the latest filed quarter, the fiscal second quarter of 2026 (2026-Q2), revenue was $1.9B and net income was $582.3M, a 30.92% margin. The 3.30% dividend yield and low beta of 0.42 add some appeal. A PEG of 0.29, if growth is durable, suggests the market is not paying much for growth. But Graham would demand a margin of safety in the balance sheet. The data does not give CET1, net interest margin, non-performing loans, provisioning, loan-to-deposit, or combined ratio, and D/E is N/A. Piotroski is only 4/9, and the FairStock Lynch category is 'none' because there are only 0 years of filed results, needing 3. So I cannot verify earnings consistency or underwriting quality. Peru carries political and economic risk, and a bank is only as good as its credit book. At 1.66 times book with 17% ROE, the price is fair-to-attractive, not a screaming bargain. I would want capital ratios and credit costs before calling it a long-term compounding candidate.

In plain English: Intercorp Financial Services is a Peru-based bank and financial-services company that offers loans, deposits, insurance, wealth management and payment services. It looks financially strong: it makes solid profits, grew recently, and pays a dividend. The shares look modestly priced relative to those profits, but the business still carries economic and lending risks that are hard to judge from the available data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer