IFS Stock Analysis: Buy, Sell, or Hold?
IFS - Intercorp Financial Services Inc.
$44.85
-0.26 (-0.58%)
▼
5d:
+0.43%
30d:
-8.82%
90d:
-5.58%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Aug 11, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: IFS shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: IFS shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$72.32
Based on 7.9% avg growth
INTRINSIC VALUE TODAY
$44.91
0.1% Margin of Safety
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 2.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: IFS is currently trading at $44.85, which is considered slightly low relative to its 30-day fair value range of $44.10 to $49.42. The stock's valuation (Forward PE: 2.2) is in line with its historical norms (2.4). Remarkably, the market is currently pricing in an annual earnings decline of 3.7% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, IFS is showing sideways momentum. The price is approaching resistance at $46.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $54.70 (+22.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, IFS is showing sideways momentum. The price is approaching resistance at $46.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $54.70 (+22.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$44.10 -
$49.42
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.0% below Wall St target ($54.70)
Trading Range Analysis
30-Day Trading Range
$44.10 -
$49.42
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$43.16
Resistance Level
$46.01
Current Trend
Sideways
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
2.17
Wall Street Target
$54.70
(+22.0%)
Revenue Growth (YoY)
1.1%
Earnings Growth (YoY)
-2.8%
Profit Margin
35.1%
Valuation Discount vs History
-3.7% cheaper
PE vs Historical
2.2 vs 2.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.7%
(market-implied from PE analysis)
1-Year Target
$43.19
(-4%)
2-Year Target
$41.59
(-7%)
3-Year Target
$40.05
(-11%)
3-Yr Target (if PE normalizes)
(PE: 2→2)
$44.33
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 11.7%)
$635.81
(+1318%)
Base:
(SPY PE: 2.2, Growth: 11.7%)
$62.46
(+39%)
Bear:
(PE: 1.8, Growth: 11.7%)
$53.09
(+18%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (2x PE) as earnings recover.
Trailing PE: 8.43 | Current EPS (TTM): $5.35
Bull Case
$99.24
(+121%)
Analyst growth 100.0%, PE expands to 9.3
Base Case
$90.22
(+101%)
Market implied 100.0%, PE stable at 8.4
Bear Case
$30.67
(-32%)
Severe decline -20.0%, PE contracts to 7.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 2.2 to 2.4
Stabilization Target:
$49.64
(+10.7%)
PE Expansion Potential:
+10.7%
Share & Embed Analysis
Last updated: May 16, 2026 7:37 AM ET
Data refreshes hourly during market hours. Next update: 8:37 AM
Data refreshes hourly during market hours. Next update: 8:37 AM
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Technical Signals Check
Is IFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Maria Guzman Hugo Antoni…
SELL
225 shares
2026-03-26
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