Intercorp Financial Services (9IFA) AI Stock Analysis
Intercorp Financial Services
(Frankfurt:9IFA)
No summary available
Intercorp Financial Services (9IFA) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 5.22B
- Dividend Yield
- 3.54%
- Average Volume (3M)
- 92
- Price to Earnings (P/E)
- 8.6
- Beta (1Y)
- 0.48
- Revenue Growth
- 2.33%
- EPS Growth
- 14.13%
- Country
- Germany
- Employees
- 9,229
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Intercorp Financial Services Business Overview & Revenue Model
Company Description
Intercorp Financial Services Inc. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through...
Intercorp Financial Services Earnings Call Summary
The call presented a solid operational quarter with strong profitability (ROE 18.5%), robust loan growth in higher‑yielding segments (consumer and small business), healthy deposit franchises, and strong traction in payments, insurance and wealth management. However, management highlighted transitory margin pressure from funding/timing effects, a normalization of cost of risk (now higher than the very low Q1 level), rising expenses tied to strategic investments, and a meaningful El Niño risk that may require forward‑looking provisions in H2. The positives around diversified growth, market share momentum and sustained profitability materially outweigh the near‑term headwinds, which management describes as manageable and largely temporary.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management reaffirmed full‑year targets: ROE above 17% (H1 ROE 18.9%, Q2 ROE 18.5%, net income PEN 640m), a cost‑to‑income ratio around 37% and high‑single‑digit loan growth for 2026 (loans +6% as of June, ~7% FX‑adj; higher‑yielding loans +12% YoY and ~6% q/q, now ~22% of total). They expect risk‑adjusted NIM to recover after Q2 pressures (risk‑adjusted NIM 3.5%, +10bps YoY) as the funding mix improves (cost of funds 3.0%, +20bps q/q; cost of deposits 2.4%, −20bps YoY) and loan yields reprice; cost of risk has normalized to 2.1% (retail 3.3%, commercial 0.8%) but is expected to trend toward ~2.5% (or slightly above) driven by mix and upfront IFRS provisioning, and the firm may record additional forward‑looking provisions in H2 given an ~80% combined probability of a strong El Niño. Insurance and wealth guidance was maintained with premiums +9% YoY, CSM +10% YoY, AUM near $10bn (+14% YoY), and continued focus on digital engagement (NPS retail 61, commercial 76).
Intercorp Financial Services Risk Analysis
Intercorp Financial Services disclosed 69 risk factors in its most recent earnings report. Intercorp Financial Services reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksIntercorp Financial Services Peers Comparison
Overall Rating
BAP85Outperform
CIB75Outperform
BBD74Outperform
ITUB70Outperform
BCH69.6Neutral
BSAC61.4Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BAP | 85Outperform | $28.53B | 12.95 | 19.58% | 4.21% | 23.90% | 27.55% |
| CIB | 75Outperform | $24.56B | 9.18 | 19.85% | 4.25% | 7.13% | -22.31% |
| BBD | 74Outperform | $27.31B | 5.22 | 14.24% | 5.90% | 29.04% | 34.36% |
| ITUB | 70Outperform | $84.37B | 10.22 | 21.91% | 7.18% | 8.35% | 18.20% |
| BCH | 70Neutral | $19.82B | 15.79 | 21.27% | 5.65% | 3.85% | 3.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BSAC | 61Neutral | $15.46B | 13.61 | 22.03% | 4.58% | 17.78% | 9.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:9IFA | Intercorp Financial Services | 41.80 | 8.56 | 25.77% | |
| IFS | Intercorp Financial Services | 46.59 | 7.54 | 19.30% | |
| BAP | Credicorp | 347.93 | 100.78 | 40.77% | |
| CIB | Grupo Cibest S.A. | 92.37 | 32.37 | 53.96% | |
| BCH | Banco De Chile | 38.66 | 3.52 | 10.02% | |
| BSAC | Banco Santander-Chile | 32.33 | 3.48 | 12.06% | |
| BBD | Banco Bradesco | 2.54 | -0.87 | -25.60% | |
| ITUB | Itau Unibanco Banco Holding | 7.39 | 0.46 | 6.56% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.