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IFS

Intercorp Financial ServicesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Bull: stronger loan growth, contained credit costs, and modest margin expansion that re-rates the stock toward the analyst high (requires favorable Peru macro and execution).
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +1.8.
What can break
Peru macro slowdown or sharp FX depreciation
Momentum
51
Value
61
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $51.75 · Bull $64.02 · Bear $40.00Analysis 2026-02-13; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-13 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $68.59
Why
Momentum51 · Δ7d -11.4
Value61 · Δ7d +1.8
Sentiment55 · Δ7d +6.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +1.8.

Contradictions & invalidation

  • • Peru macro slowdown or sharp FX depreciation
  • • Regulatory or capital requirement changes
  • • Bear: weaker credit conditions, higher provisioning, margin compression, or adverse FX moves that push valuation toward the lower analyst range.

Catalyst clock

2026-05-14

Fiscal 2025 results publication (assumed window end)

Lead driver: Value · See fundamentals
Momentum
51
8% active weight
Current posture
7d trendSoftening
Δ7d
-11.4
Δ21d
-9.4
Value
61
47% active weight
Current posture
7d trendImproving
Δ7d
+1.8
Δ21d
+0.9
Sentiment
55
45% active weight
Current posture
7d trendImproving
Δ7d
+6.5
Δ21d
-6.1
Why this grade

Composite grade B. Momentum 50.6 / Value 61.0 / Sentiment 55.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-02-13. Scenario method

B+
Bull case
20%
Probability
Target price
$64.02
Analysis reference price unavailable
Analysis 2026-02-13 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$51.75
Analysis reference price unavailable
Analysis 2026-02-13 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$40.00
Analysis reference price unavailable
Analysis 2026-02-13 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$6.03B
Beta
0.89
Shares Out
111.35M
P/E (TTM)
8.2
P/S (TTM)
2.09
P/FCF (TTM)
16.48
Rev YoY
-2.1%
EPS YoY
+8.7%
Gross Margin
-
Op Margin
+26.5%
Net Debt
$124.12M
Current Ratio
0.41
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data