Intercorp Financial Services (IFS) Stock: Buy, Sell, or Hold?
$51.56
+2.99 (+6.16%)
â˛
5d:
+6.82%
30d:
-5.57%
90d:
-5.69%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (88%)
Quality Score
53/100
Position
FAIR
30-Day Fair Range
$48.52 â $54.11
Position: FAIR
Forward P/E & Valuation
2.3x
FAIR
vs 2.4x historical avg
Wall Street Target
$65.11
+26.3% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$46.21 / $51.56
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: IFS is fairly priced but lacks strong directional signals. At -1.7% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$93.85
Based on 11.6% avg growth
INTRINSIC VALUE TODAY
$58.27
11.5% 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 $51.56, which is considered fair relative to its 30-day fair value range of $48.52 to $54.11. The stock's valuation (Forward PE: 2.3) is in line with its historical norms (2.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.7% over the next few years. This pessimistic expectation contrasts with the company's recent 2.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, IFS is in a strong downtrend. The price is approaching resistance at $51.56. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 6.2% recently.
Market Sentiment: IFS scores 81/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $65.11 (+26.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, IFS is in a strong downtrend. The price is approaching resistance at $51.56. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 6.2% recently.
Market Sentiment: IFS scores 81/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $65.11 (+26.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$48.52 -
$54.11
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
88.1%
Trading Range & Key Levels
30-Day Trading Range
$48.52 -
$54.11
Current vs Trading Range
FAIR
Support Level
$46.21
Resistance Level
$51.56
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (81/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+6.2%)
- BULLISH: Trading 26.3% below Wall St target ($65.11)
- WARNING: Composite score 53/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
2.27
Wall Street Target
$65.11
(+26.3%)
Revenue Growth (YoY)
3.8%
Earnings Growth (YoY)
2.4%
Profit Margin
35.7%
Valuation Discount vs History
-1.7% cheaper
PE vs Historical
2.3 vs 2.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.7%
(market-implied from PE analysis)
1-Year Target
$50.68
(-2%)
2-Year Target
$49.82
(-3%)
3-Year Target
$48.97
(-5%)
3-Yr Target (if PE normalizes)
(PE: 2â2)
$51.79
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 19.2%)
$764.26
(+1382%)
Base:
(SPY PE: 2.3, Growth: 19.2%)
$87.33
(+69%)
Bear:
(PE: 1.9, Growth: 19.2%)
$74.23
(+44%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (2x PE) as earnings recover.
Trailing PE: 8.88 | Current EPS (TTM): $5.47
Bull Case
$106.85
(+107%)
Analyst growth 100.0%, PE expands to 9.8
Base Case
$97.14
(+88%)
Market implied 100.0%, PE stable at 8.9
Bear Case
$33.03
(-36%)
Severe decline -20.0%, PE contracts to 7.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 2.3 to 2.4
Stabilization Target:
$54.53
(+5.8%)
PE Expansion Potential:
+5.8%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (IFS)
Bullish
1 Retail Mentions
Reddit / WSB Comments
1
Bullish
Last Tracked
Aug 10, 2026
Daily AI digest
AI Retail Discussion Summary:
Reddit & WallStreetBets discussions on IFS are bullish (sentiment score +0.78) across 1 tracked comments.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 9:09 PM ET
Data refreshes hourly during market hours. Next update: 10:09 PM
Data refreshes hourly during market hours. Next update: 10:09 PM
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Technical Signals Check
Is IFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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