NYSE: IFS

Intercorp Financial Services (IFS) Stock Analysis & Forecast

Sep 28 close

$55.52−0.73 (−1.3%)

Gekko Brief

AI summary

This week's coverage of Intercorp Financial Services (IFS) centers on valuation comparisons and price commentary rather than fresh company developments. One piece weighs IFS against Blackstone (BX) as a value stock, while another notes the shares held near $54.98 in a recent quote, framing that valuation should rest on financial reports rather than the quote itself. A separate analysis references a "Buy" consensus rating with a price target of $62.00, alongside expected earnings growth and a dividend yield of 3.04%.

IFS closed at $55.52, down 1.3%, sitting between its 50-day average of $56.28 and 200-day average of $50.62. Momentum over the past six months and year has been positive, with a 16.6% six-month return and 38.3% one-year return, though the three-month return is slightly negative at -1.4%. The GekkoIndex reads 56.9, placing the stock in the Neutral zone, down 1.1 over the past five sessions. Price sits 8.4% below Gekko Fair Value of $60.62.

Looking ahead, IFS reports earnings on 9 November 2026, 41 days out and beyond a typical 20-day holding window. The company's last quarter showed an EPS beat of $5.39 against a $4.76 estimate, with a 1.6% reaction, and it has beaten estimates in 7 of 8 recent quarters. Seasonality over 5 years shows a 5.8% average 20-day return from this point, positive in 4 of those years. No insider, Congress, or unusual options activity appears in the current window.

Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.

Intercorp Financial Services price vs fair value

Close $55.52200-day averageGekko Fair Value $60.62

Intercorp Financial Services quick facts

Market cap: $6.17B
P/E ratio: 10.5
Forward P/E: —
EPS, TTM: $5.37
Revenue, TTM: $5.87B
Profit margin: 35.7%
Dividend yield: 10.90%
Beta: 0.43
Volume: 244,116 avg 204,601
1-year return: +38.3%
Typical daily move: ±2.1%
Typical 20-day move: ±5.9%
50-day average: $56.28
200-day average: $50.62
Next earnings: Nov 9 after close
Shares outstanding: 110.4M
52-week range: $38.29$61.38

Intercorp Financial Services swing-trade checklist

Intercorp Financial Services scores 3 supportive, 2 mixed and 0 headwinds across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive2 mixed0 headwinds

Trendmixed
Averages disagree
Close $55.52 sits between the 50-day ($56.28) and 200-day ($50.62) averages, or the averages disagree.
See the chart
GekkoIndexmixed
56.9, Neutral
Reading 56.9 is in the Neutral zone.
See the GekkoIndex
Fair valuesupportive
8.4% below
Price is 8.4% below Gekko Fair Value (more than 5% below).
See fair value
Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money
Earnings risksupportive
Reports in 41 days
Next report Nov 9, 2026, 41 days away — outside a typical 20-trading-day hold.
See earnings
Seasonalitysupportive
+5.8% on average
From this point in the calendar, the next 20 trading days averaged +5.8% over 5 years, rising in 4 of them.
See seasonality

A description of current data, not a recommendation. How this page works

Intercorp Financial Services stock chart and price history

Intercorp Financial Services closed at $55.52 on Sep 28, 2026, +38.3% over the past year, inside a 52-week range of $38.29 to $61.38.

5Y and weekly in Gekko

Close50-day average200-day averageVolume

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month: +2.1%
3 months: −1.4%
6 months: +16.6%
1 year: +38.3%

The full IFS chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open IFS in Gekko

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About Intercorp Financial Services

Intercorp Financial Services serves individuals and businesses across Peru with a broad mix of banking, insurance, and wealth management offerings. On the banking side it provides everyday accounts, savings and time deposits, along with credit cards, mortgages, payroll loans, consumer loans, and specialized lending for students and cash needs. Companies of various sizes can draw on its commercial banking services, including financing, trade finance, cash management, and electronic factoring, alongside treasury, institutional banking, and securitization work.

Its insurance arm covers annuities and life insurance products for retail customers, while its wealth management division offers advice on equities, fixed income, structured products, and alternative investments, plus brokerage and investment management services. The company is organized into these three segments and operates as a subsidiary of Intercorp Perú Ltd, with a network of financial branches and ATMs supporting its customer base throughout the country.

Founded in 1897, Intercorp Financial Services is headquartered in Lima, Peru. Its shares are listed on the NYSE under the ticker IFS.

Listed: NYSE
Sector: Finance
Industry: Regional banks
Website: ifs.com.pe

Intercorp Financial Services GekkoIndex: the smart money zone

Intercorp Financial Services’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 56.9, in the Neutral zone, down 1.1 points over five sessions.

56.9Neutral

Down 1.1 points over five sessions.

Reading for Sep 28, 2026

What followed past readings in each zone

Zone	Readings	5 days	10 days	20 days	50 days
Buying	16	−0.3%	−1.8%	+0.8%	+1.1%
Accumulation	137	+1.4%	+3.5%	+7.9%	+15.2%
Neutral (current zone)	440	+0.5%	+0.9%	+1.8%	+6.3%
Distribution	65	+1.1%	+2.9%	+3.9%	+3.0%
Selling	14	+0.9%	−1.4%	−4.4%	−15.6%

Average IFS share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.

Selling<33

Distribution33–45

Neutral45–60

Accumulation60–70

Buying70+

Neutral zone: No clear directional signal. About the five zones →

See every daily GekkoIndex reading plotted over the IFS price, zone by zone.Track IFS in Gekko

Is Intercorp Financial Services stock overvalued? Gekko Fair Value

Intercorp Financial Services trades 8.4% below Gekko Fair Value of $60.62, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what Intercorp Financial Services shares are worth, recalculated every trading day.

$60.62

Gekko Fair Value, Sep 29, 2026

8.4% Undervalued

Price$55.52

Gekko Fair Value$60.62

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open IFS in Gekko

Intercorp Financial Services insider and Congress trading

No open-market insider purchases were filed for Intercorp Financial Services, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for IFS in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every IFS insider filing, plotted on the chart in Gekko.Open IFS in Gekko

Congress trades last 90 days

No trades in IFS were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for IFS, plotted on the chart in Gekko.Open IFS in Gekko

Intercorp Financial Services earnings: next date and track record

Intercorp Financial Services reports on Nov 9, 2026, after the close (41 days away), and beat the EPS estimate in 7 of its last 8 reports.

Next earnings report

Nov 9, 2026

Expected after the close, 41 days away

EPS estimate: $1.46
Revenue estimate: $456.9M

7 of 8reports beat the EPS estimate

±3.7%average move across the report

5 of 8reports followed by a gain

Share-price move across each report

Last earnings call, May 11, 2026 AI summary

What they said: Intercorp Financial Services (IFS) held its Q1 2026 earnings call presenting record quarterly net income of 602 million soles and ROE above 19%. Management highlighted macro conditions: GDP growth ~3.6% in Q1, commodity tailwinds, but external risks including higher energy prices and El Nino concerns. The company noted disciplined execution across segments: Interbank delivered record net income with low cost of risk and improving risk-adjusted NIM; loan growth was measured due to pension fund withdrawals but higher-yielding segments grew high-single-digits. EasyPay and merchant/SME solutions, business app, and Plin credit card were emphasized for engagement. Interseguro’s premiums grew 35% driven by private annuities and life, leveraging synergies with Intelligo and Interbank; Intelligo (wealth) grew double digits. CFO highlighted 35% YoY net income growth, risk-adjusted NIM +90 bps YoY to 4.2%, low cost of risk 1.4%, cost of funds <3%, retail primary customers +14%, NPS 68. Acquisition of Infinance XP (Financiera O) was announced (Implicated $130M, 1.19x P/B), launching SIP app integrating finance, payments, loyalty. Guidance: management is cautiously optimistic — expects ROE >17% (raised from earlier guidance of ~17%) but remains prudent about external/political/El Nino risks. No quantified full-year financial guidance otherwise. Risks mentioned included political election uncertainty, potential El Nino impacts, international volatility/higher energy prices, and macro headwinds. Overall tone positive and confident, measured hedging on external risks; Q&A responses were direct and informative. Key product/strategy updates: digital apps (SIP, EasyPay, Plin/Clean), acquisition synergies, and focus on higher-yielding loans with controlled risk appetite (targeted cost of risk 2.5-2.8% longer-term).
Guidance: Management indicated they now expect ROE to be above 17% for 2026 (up from prior ~17% guidance). They did not provide explicit numerical full-year revenue, NII, margin, or EPS guidance. Cost of risk target referenced as long-term appetite in range ~2.5%–2.8%, but not a formal current-year guidance. No other quantified forward guidance provided.
Risks flagged: Mentioned risks: political uncertainty related to presidential elections and runoff (dates and vote counting timeline), international volatility including higher energy prices and external uncertainty, potential El Nino weather-related disruptions affecting activity (probability of moderate El Nino increased from ~21% to ~43%), and continued need for prudence re macro evolution. Also regulatory/market dynamics around payment rails (central bank UPI/"highway") may affect payments strategy but seen as complementary. No specific credit concentration or litigation risks highlighted.

Reported	EPS	Surprise	Revenue	Surprise	Move
May 11, 2026	$5.39 est $4.76	+13.2%	$435.2M est $502.5M	−13.4%	+1.6%
Feb 11, 2026	$4.00 est $3.71	+7.8%	$532.7M est $488.1M	+9.1%	−4.3%
Nov 6, 2025	$3.95 est $3.97	−0.5%	$632.0M est $465.3M	+35.8%	−3.2%
Aug 11, 2025	$5.14 est $3.85	+33.5%	$420.1M est $442.8M	−5.1%	+6.1%
May 8, 2025	$3.92 est $3.27	+19.9%	$349.0M est $403.6M	−13.5%	−0.8%
Feb 5, 2025	$4.25 est $3.50	+21.4%	$604.1M est $412.6M	+46.4%	+6.3%
Nov 12, 2024	$3.38 est $2.90	+16.6%	$597.3M est $405.2M	+47.4%	+3.0%
Aug 14, 2024	$2.48 est $2.11	+17.5%	$592.2M est $89.76M	+559.7%	+3.9%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

Intercorp Financial Services stock forecast and analyst price targets

Analysts’ average 12-month price target for Intercorp Financial Services is $67.14, +20.9% from the last close.

$67.14consensus 12-month target, +20.9% from the last close

+1.8%average 20-day move after past Neutral readings

+5.8%average move over the next 20 trading days in the last 5 years

±2.1%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

Intercorp Financial Services seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, Intercorp Financial Services averaged +5.8% across the last 5 years, rising in 4 of them.

Next 20 trading days, by year

Average move and hit rate

Window	Average	Years higher
Next 5 trading days	−0.1%	3 of 5
Next 10 trading days	+1.9%	4 of 5
Next 15 trading days	+4.1%	4 of 5
Next 20 trading days	+5.8%	4 of 5
Next 30 trading days	+5.9%	4 of 5

For scale, IFS’s typical 20-trading-day move in either direction is about 5.9%.

Intercorp Financial Services market cap and key statistics

Intercorp Financial Services’s market cap is $6.17B, with a P/E ratio of 10.5 and revenue of $5.87B over the last twelve months.

Valuation

Market cap: $6.17B
P/E ratio: 10.5
EPS, TTM: $5.37
Gekko Fair Value: $60.62

Trading

Volume: 244,116
Avg volume, 20 days: 204,601
52-week high: $61.38
52-week low: $38.29
Shares outstanding: 110.4M

Financials

Revenue, TTM: $5.87B
Profit margin: 35.7%
Return on equity: 17.2%
Quarterly earnings growth, YoY: +2.4%

Risk and income

Beta: 0.43
Typical daily move: ±2.1%
Typical 20-day move: ±5.9%
Dividend yield: 10.90%

Intercorp Financial Services stock news this week

Coverage of Intercorp Financial Services this week reads positive: 2 positive, 1 neutral and 0 negative headlines.

News sentiment positive

Intercorp Financial Services (IFS) Stock Price, News & Analysis $IFSMarketBeat, Sep 25
IFS or BX: Which Is the Better Value Stock Right Now?Yahoo Finance UK, Sep 23
Intercorp Financial stock holds at USD 54.98 in latest quoteAD HOC NEWS, Sep 22

Intercorp Financial Services peers

Intercorp Financial Services’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

Stock	Today	GekkoIndex zone	vs Fair Value
CMCanadian Imperial Bank of Commerce	−0.2%	Accumulation	4.8% below
USBU.S. Bancorp	−0.6%	Accumulation	10.6% below
NUNu	−2.4%	Buying	24.1% below
TFCTruist Financial	−1.0%	Buying	10.3% below
FITBFifth Third Bancorp	−0.5%	Accumulation	11.5% below
MTBM&T Bank	−0.3%	Accumulation	11.2% below

A peer links to its own page where one exists.

Intercorp Financial Services stock FAQ

What is Intercorp Financial Services’s market cap?

Intercorp Financial Services’s market cap is $6.17B at the Sep 28, 2026 close of $55.52, with 110.4M shares outstanding. The shares trade on a P/E ratio of 10.5.

What is the Intercorp Financial Services stock forecast?

The consensus analyst 12-month price target for Intercorp Financial Services is $67.14, +20.9% from the last close. Gekko doesn’t publish price predictions of its own.

Is Intercorp Financial Services stock overvalued or undervalued?

On Gekko’s estimate Intercorp Financial Services is undervalued: the Sep 28, 2026 close of $55.52 is 8.4% below Gekko Fair Value of $60.62. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does Intercorp Financial Services report earnings next?

Intercorp Financial Services is expected to report on Nov 9, 2026, after the market closes (41 days away). Analysts expect earnings of $1.46 per share on revenue of $456.9M. Intercorp Financial Services beat the earnings estimate in 7 of its last 8 reports, moving 3.7% on average across the report.

What is Intercorp Financial Services’s 52-week high and low?

Intercorp Financial Services’s 52-week high is $61.38 and its 52-week low is $38.29; it closed at $55.52 on Sep 28, 2026, +38.3% over the past year.

Is Intercorp Financial Services stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (fair value, earnings risk and seasonality), 2 as mixed (trend and gekkoindex). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

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