Stock fact sheet · data as of
Intercorp Financial Services Inc. (IFS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · Peru · Defensive
Is IFS undervalued?
IFS has a margin of safety of 73%: the stock closed at 54.31 on 16 Oct 2026 against a GLS average fair value of 201.99. 8 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: Lynch gives 21.91 while 10 Cap gives 750.93. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files IFS under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for IFS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 59.67 | +10% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 221.76 | +308% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 88.38 | +63% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 21.91 | -60% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 124.22 | +129% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 750.93 | +1283% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 399.09 | +635% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 91.06 | +68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 60.87 | +12% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -666.24 | -1327% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 30.50 | -44% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - IFS passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.5 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 7.3%, ROE 14.8%, ROA 1.8% - with debt at 1.03 times equity and a free-cash-flow yield of 18.7%.
The dividend yield is 3.31% at a payout ratio of 34%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 2/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 7.3% |
|---|---|---|---|
| GLS Moat | 5.5 / 10 | ROE | 14.8% |
| Debt / equity | 1.03 | ROA | 1.8% |
| Free-cash-flow yield | 18.7% | Payout ratio | 34% |
| Institutions | 2 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
IFS has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 208k shares a day on a market cap of $6.0B, with a beta of 0.42 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 13 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 73% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 13 / 20 | 208k shares/day, $6.0B cap, beta 0.42 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 9 Nov 2026 (after the close), 24 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Intercorp Financial Services Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FNB F.N.B. Corporation | 17.16 | 30.99 | +45% | 88Prime | $6.1B |
| HWC Hancock Whitney Corporation | 73.03 | 83.87 | +13% | 76Good | $5.9B |
| HWCPZ Hancock Whitney Corporation - 6 | 20.88 | 49.31 | +58% | 39No options | $5.9B |
| AVAL Grupo Aval Acciones y Valores S.A. | 4.90 | 5,904.36 | +100% | 39No options | $5.8B |
| GGAL Grupo Financiero Galicia S.A. | 36.47 | 6,568.17 | +99% | 79Good | $6.2B |
| HOMB Home Bancshares, Inc. | 28.87 | 29.54 | +2% | 76Good | $5.8B |
| UBSI United Bankshares, Inc. | 45.78 | 48.91 | +6% | 79Good | $6.2B |
| GBCI Glacier Bancorp, Inc. | 43.76 | 56.73 | +23% | 78Good | $5.7B |
| AUB Atlantic Union Bankshares Corporation | 38.30 | 56.16 | +32% | 82Prime | $5.5B |
| VLYPP Valley National Bancorp | 24.88 | 32.99 | +25% | 39No options | $5.4B |
| ABCB Ameris Bancorp | 79.74 | 79.07 | -1% | 73Good | $5.4B |
| VLYPO Valley National Bancorp | 24.47 | 32.59 | +25% | 39No options | $5.3B |
⚖ Compare IFS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about IFS
Is IFS undervalued right now?
By the GLS models, yes: at 54.31 the stock is 73% below the average fair value of 201.99 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of IFS and what does it mean?
IFS has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for IFS?
201.99 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Intercorp Financial Services Inc. report earnings next?
The next earnings report is due on 9 Nov 2026 (after the close), 24 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does IFS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on IFS, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.