IFS
Intercorp Financial·NYSE
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5.80 / 10
Netural
Fundamental scrutiny indicates a moderate standing (5.8/10). Key strengths include a favorable Asset-MV score (-0.5066, Q=0.0486, group 3) and robust Gross profit margin (36.6997%, group 1). However, weaknesses such as a suboptimal PB-ROE (-0.9972, group 4) and low Net profit attributable to parent company shareholders / Net profit ratio (99.4726%, group 2) temper the outlook. Historical back-tests show mixed monthly returns (e.g., 6.09% for Asset-MV, 3.46% for Gross profit margin), suggesting inconsistent performance. Overall, the fundamentals are balanced but not compelling.
Analysis Checks(8/10)
Revenue-MV
Value-0.04
Score3/3
Weight14.40%
1M Return6.83%
Value-0.04
Score3/3
Weight14.40%
1M Return6.83%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.47
Score1/3
Weight5.70%
1M Return3.07%
Value99.47
Score1/3
Weight5.70%
1M Return3.07%
PB-ROE
Value-1.00
Score1/3
Weight8.81%
1M Return4.74%
Value-1.00
Score1/3
Weight8.81%
1M Return4.74%
ROE (diluted) (%)
Value12.41
Score3/3
Weight9.08%
1M Return4.63%
Value12.41
Score3/3
Weight9.08%
1M Return4.63%
ROE (%)
Value12.93
Score3/3
Weight9.27%
1M Return4.73%
Value12.93
Score3/3
Weight9.27%
1M Return4.73%
Annualized return on equity (%)
Value17.24
Score3/3
Weight9.27%
1M Return4.73%
Value17.24
Score3/3
Weight9.27%
1M Return4.73%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.49%
1M Return3.46%
Value36.70
Score3/3
Weight6.49%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.47%
1M Return3.44%
Value100.00
Score3/3
Weight6.47%
1M Return3.44%
Asset-MV
Value-0.51
Score2/3
Weight14.71%
1M Return6.09%
Value-0.51
Score2/3
Weight14.71%
1M Return6.09%
Cash-MV
Value-0.07
Score3/3
Weight15.80%
1M Return7.53%
Value-0.07
Score3/3
Weight15.80%
1M Return7.53%
Revenue-MV
Value-0.04
Score3/3
Weight14.40%
1M Return6.83%
Value-0.04
Score3/3
Weight14.40%
1M Return6.83%
Annualized return on equity (%)
Value17.24
Score3/3
Weight9.27%
1M Return4.73%
Value17.24
Score3/3
Weight9.27%
1M Return4.73%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.47
Score1/3
Weight5.70%
1M Return3.07%
Value99.47
Score1/3
Weight5.70%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.49%
1M Return3.46%
Value36.70
Score3/3
Weight6.49%
1M Return3.46%
PB-ROE
Value-1.00
Score1/3
Weight8.81%
1M Return4.74%
Value-1.00
Score1/3
Weight8.81%
1M Return4.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.47%
1M Return3.44%
Value100.00
Score3/3
Weight6.47%
1M Return3.44%
ROE (diluted) (%)
Value12.41
Score3/3
Weight9.08%
1M Return4.63%
Value12.41
Score3/3
Weight9.08%
1M Return4.63%
Asset-MV
Value-0.51
Score2/3
Weight14.71%
1M Return6.09%
Value-0.51
Score2/3
Weight14.71%
1M Return6.09%
ROE (%)
Value12.93
Score3/3
Weight9.27%
1M Return4.73%
Value12.93
Score3/3
Weight9.27%
1M Return4.73%
Cash-MV
Value-0.07
Score3/3
Weight15.80%
1M Return7.53%
Value-0.07
Score3/3
Weight15.80%
1M Return7.53%
Is IFS fundamentally strong?
- IFS scores 5.80/10 on fundamentals and holds a Fair valuation at present. Backed by its 12.86% ROE, 28.64% net margin, 10.30 P/E ratio, 1.65 P/B ratio, and 85.98% earnings growth, these metrics solidify its Netural investment rating.
