IFS Stock Analysis: Buy, Sell, or Hold?
IFS - Intercorp Financial Services Inc.
$50.61
-0.01 (-0.02%)
▼
5d:
+2.76%
30d:
+19.84%
90d:
+17.62%
HOLD
MODERATE Confidence
Last Updated: February 3, 2026
Earnings: Feb 11, 2026
6d
Get Alerted When IFS Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: IFS trades at premium valuation expecting 5.4% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: IFS trades at premium valuation expecting 5.4% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$63.97
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$39.72
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 2.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: IFS is currently trading at $50.61, which is considered extended relative to its 30-day fair value range of $43.01 to $48.49. From a valuation perspective, the stock is trading at a premium (Forward PE: 2.7) compared to its historical average (2.3). At these levels, the market is pricing in 5.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, IFS is in a uptrend. Immediate support is located at $45.42, while resistance sits at $52.58.
Market Sentiment: IFS has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $55.98 (+10.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, IFS is in a uptrend. Immediate support is located at $45.42, while resistance sits at $52.58.
Market Sentiment: IFS has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $55.98 (+10.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$43.01 -
$48.49
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.6%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($55.98)
- NEUTRAL: Trading at premium valuation - market expects 5.4% growth which is achievable
Fair Price Analysis
30-Day Fair Range
$43.01 -
$48.49
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$45.43
Resistance Level
$52.58
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
2.74
Wall Street Target
$55.98
(+10.6%)
Revenue Growth (YoY)
12.2%
Earnings Growth (YoY)
21.2%
Profit Margin
35.8%
Valuation Premium vs History
+5.4% premium
PE vs Historical
2.7 vs 2.3
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.4%
(market-implied from PE analysis)
1-Year Target
$53.34
(+5%)
2-Year Target
$56.22
(+11%)
3-Year Target
$59.26
(+17%)
3-Yr Target (if PE normalizes)
(PE: 3→2)
PE COMPRESSION
$49.69
(-2%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 13.2%)
$597.20
(+1080%)
Base:
(SPY PE: 2.7, Growth: 13.2%)
$73.45
(+45%)
Bear:
(PE: 2.3, Growth: 13.2%)
$61.60
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (3x PE) as earnings recover.
Trailing PE: 10.06 | Current EPS (TTM): $5.03
Bull Case
$111.36
(+120%)
Analyst growth 100.0%, PE expands to 11.1
Base Case
$101.24
(+100%)
Market implied 100.0%, PE stable at 10.1
Bear Case
$34.42
(-32%)
Severe decline -20.0%, PE contracts to 8.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: February 03, 2026 7:58 PM ET
Data refreshes hourly during market hours. Next update: 8:58 PM
Data refreshes hourly during market hours. Next update: 8:58 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is IFS showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Peru Ltd Intercorp
BUY
7125 shares
2025-10-21
Peru Ltd Intercorp
BUY
20113 shares
2025-09-24
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
KEY
KeyCorp |
BUY
24 analysts |
$24 | 60 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$103 | 58 HOLD |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$230 | 63 BUY |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$56 | 64 BUY |
|
FNB
F.N.B. Corp |
STRONG BUY
9 analysts |
$20 | 61 BUY |
