Intercorp Financial Services (IFS) Stock: Buy, Sell, or Hold?
IFS - Intercorp Financial Services Inc.
$51.64
-1.76 (-3.30%)
▼
5d:
-4.92%
30d:
-6.6%
90d:
-13.54%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 09, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: IFS shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: IFS shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$87.79
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$54.51
5.3% 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 $51.64, which is considered oversold relative to its 30-day fair value range of $53.30 to $55.36. 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 2.9% 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 showing sideways momentum. The price is currently testing key support at $50.60. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.3% recently.
Market Sentiment: IFS scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $66.33 (+28.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, IFS is showing sideways momentum. The price is currently testing key support at $50.60. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.3% recently.
Market Sentiment: IFS scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $66.33 (+28.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$53.30 -
$55.36
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (37/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.3%)
- BULLISH: Trading 28.5% below Wall St target ($66.33)
- WARNING: Composite score 47/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$53.30 -
$55.36
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$50.60
Resistance Level
$54.93
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
2.20
Wall Street Target
$66.33
(+28.5%)
Revenue Growth (YoY)
3.8%
Earnings Growth (YoY)
2.4%
Profit Margin
35.7%
Valuation Discount vs History
-2.9% cheaper
PE vs Historical
2.2 vs 2.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.9%
(market-implied from PE analysis)
1-Year Target
$50.14
(-3%)
2-Year Target
$48.69
(-6%)
3-Year Target
$47.28
(-9%)
3-Yr Target (if PE normalizes)
(PE: 2→2)
$51.56
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 14.7%)
$702.36
(+1260%)
Base:
(SPY PE: 2.2, Growth: 14.7%)
$77.83
(+51%)
Bear:
(PE: 1.9, Growth: 14.7%)
$66.16
(+28%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (2x PE) as earnings recover.
Trailing PE: 9.91 | Current EPS (TTM): $5.39
Bull Case
$117.48
(+128%)
Analyst growth 100.0%, PE expands to 10.9
Base Case
$106.80
(+107%)
Market implied 100.0%, PE stable at 9.9
Bear Case
$36.31
(-30%)
Severe decline -20.0%, PE contracts to 8.4
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:
$56.32
(+9.1%)
PE Expansion Potential:
+9.1%
Share & Embed Analysis
Last updated: October 22, 2026 9:58 PM ET
Data refreshes hourly during market hours. Next update: 10:58 PM
Data refreshes hourly during market hours. Next update: 10:58 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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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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