IFS
Intercorp Financial Services Inc.
Banks - Regional
Market Cap$5.05B
5Y Perf.+83.3%
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Stock Comparison
IFS vs BAP
Revenue, margins, valuation, and 5-year total return — side by side.
BAP
Credicorp Ltd.
Banks - Regional
Market Cap$25.92B
5Y Perf.+136.9%
IFS vs BAP — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | IFS | BAP |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $5.05B | $25.92B |
| Revenue (TTM) | $8.86B | $27.00B |
| Net Income (TTM) | $1.92B | $6.47B |
| Gross Margin | 54.2% | 64.2% |
| Operating Margin | 18.6% | 29.0% |
| Forward P/E | 2.3x | 3.4x |
| Total Debt | $11.82B | $37.49B |
| Cash & Equiv. | $12.20B | $47.51B |
IFS vs BAP — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
IFS
BAP
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Intercorp Financial… (IFS) | 100 | 183.3 | +83.3% |
| Credicorp Ltd. (BAP) | 100 | 236.9 | +136.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: IFS vs BAP
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BAP leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Intercorp Financial Services Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
IFS
Intercorp Financial Services Inc.
The Banking Pick
IFS is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.65, current ratio 0.06x
- Lower P/E (2.3x vs 3.4x)
- Beta 0.65 vs BAP's 0.81
Best for: sleep-well-at-night
BAP
Credicorp Ltd.
The Banking Pick
BAP carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 3 yrs, beta 0.81, yield 4.0%
- Rev growth 6.4%, EPS growth 13.1%
- 179.8% 10Y total return vs IFS's 61.8%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BAP | 6.4% NII/revenue growth vs IFS's 0.7% |
| Value | IFS | Lower P/E (2.3x vs 3.4x) |
| Quality / Margins | BAP | Efficiency ratio 0.4% vs IFS's 0.4% (lower = leaner) |
| Stability / Safety | IFS | Beta 0.65 vs BAP's 0.81 |
| Dividends | BAP | 4.0% yield, 3-year raise streak, vs IFS's 2.4% |
| Momentum (1Y) | BAP | +67.2% vs IFS's +41.1% |
| Efficiency (ROA) | BAP | Efficiency ratio 0.4% vs IFS's 0.4% |
IFS vs BAP — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBAPLAGGINGIFS
IFSIntercorp Financial S…
1leads
BAPCredicorp Ltd.
4leads
6 Total Categories
CATEGORYLEADERvs IFSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BAP4/5
Valuation MetricsMultiples, price ratios, and targets
IFS5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BAP8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BAP5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
BAP2/2
Income & Cash Flow (Last 12 Months)
BAP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BAP is the larger business by revenue, generating $27.0B annually — 3.0x IFS's $8.9B. BAP is the more profitable business, keeping 20.4% of every revenue dollar as net income compared to IFS's 14.7%.
| Metric | IFSIntercorp Financi… | BAPCredicorp Ltd. |
|---|---|---|
| RevenueTrailing 12 months | $8.9B | $27.0B |
| EBITDAEarnings before interest/tax | $2.8B | $10.4B |
| Net IncomeAfter-tax profit | $1.9B | $6.5B |
| Free Cash FlowCash after capex | -$2.3B | $4.6B |
| Gross MarginGross profit ÷ Revenue | +54.2% | +64.2% |
| Operating MarginEBIT ÷ Revenue | +18.6% | +29.0% |
| Net MarginNet income ÷ Revenue | +14.7% | +20.4% |
| FCF MarginFCF ÷ Revenue | -21.3% | +49.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.1% | +14.1% |
BAP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
IFS leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 13.9x trailing earnings, IFS trades at a 16% valuation discount to BAP's 16.5x P/E. On an enterprise value basis, IFS's 8.4x EV/EBITDA is more attractive than BAP's 9.4x.
| Metric | IFSIntercorp Financi… | BAPCredicorp Ltd. |
|---|---|---|
| Market CapShares × price | $5.0B | $25.9B |
| Enterprise ValueMkt cap + debt − cash | $4.9B | $23.0B |
| Trailing P/EPrice ÷ TTM EPS | 13.92x | 16.48x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.28x | 3.42x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.15x |
| EV / EBITDAEnterprise value multiple | 8.36x | 9.40x |
| Price / SalesMarket cap ÷ Revenue | 1.99x | 3.35x |
| Price / BookPrice ÷ Book value/share | 1.65x | 2.59x |
| Price / FCFMarket cap ÷ FCF | — | 6.74x |
IFS leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
BAP leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
BAP delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $16 for IFS. BAP carries lower financial leverage with a 1.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to IFS's 1.08x. On the Piotroski fundamental quality scale (0–9), BAP scores 8/9 vs IFS's 4/9, reflecting strong financial health.
| Metric | IFSIntercorp Financi… | BAPCredicorp Ltd. |
|---|---|---|
| ROE (TTM)Return on equity | +16.1% | +17.4% |
| ROA (TTM)Return on assets | +2.0% | +2.5% |
| ROICReturn on invested capital | +5.7% | +8.2% |
| ROCEReturn on capital employed | +4.2% | +10.1% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 8 |
| Debt / EquityFinancial leverage | 1.08x | 1.07x |
| Net DebtTotal debt minus cash | -$379M | -$10.0B |
| Cash & Equiv.Liquid assets | $12.2B | $47.5B |
| Total DebtShort + long-term debt | $11.8B | $37.5B |
| Interest CoverageEBIT ÷ Interest expense | 0.99x | 1.99x |
BAP leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BAP leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BAP five years ago would be worth $30,993 today (with dividends reinvested), compared to $22,146 for IFS. Over the past 12 months, BAP leads with a +67.2% total return vs IFS's +41.1%. The 3-year compound annual growth rate (CAGR) favors BAP at 34.3% vs IFS's 31.6% — a key indicator of consistent wealth creation.
| Metric | IFSIntercorp Financi… | BAPCredicorp Ltd. |
|---|---|---|
| YTD ReturnYear-to-date | +15.7% | +14.0% |
| 1-Year ReturnPast 12 months | +41.1% | +67.2% |
| 3-Year ReturnCumulative with dividends | +128.0% | +142.4% |
| 5-Year ReturnCumulative with dividends | +121.5% | +209.9% |
| 10-Year ReturnCumulative with dividends | +61.8% | +179.8% |
| CAGR (3Y)Annualised 3-year return | +31.6% | +34.3% |
BAP leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — IFS and BAP each lead in 1 of 2 comparable metrics.
Risk & Volatility
IFS is the less volatile stock with a 0.65 beta — it tends to amplify market swings less than BAP's 0.81 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | IFSIntercorp Financi… | BAPCredicorp Ltd. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 0.81x |
| 52-Week HighHighest price in past year | $52.91 | $380.20 |
| 52-Week LowLowest price in past year | $34.18 | $193.13 |
| % of 52W HighCurrent price vs 52-week peak | +85.9% | +85.9% |
| RSI (14)Momentum oscillator 0–100 | 38.7 | 42.3 |
| Avg Volume (50D)Average daily shares traded | 273K | 363K |
Evenly matched — IFS and BAP each lead in 1 of 2 comparable metrics.
Analyst Outlook
BAP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates IFS as "Buy" and BAP as "Hold". Consensus price targets imply 24.9% upside for BAP (target: $408) vs -32.9% for IFS (target: $31). For income investors, BAP offers the higher dividend yield at 4.04% vs IFS's 2.36%.
| Metric | IFSIntercorp Financi… | BAPCredicorp Ltd. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $30.50 | $408.00 |
| # AnalystsCovering analysts | 4 | 15 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +4.0% |
| Dividend StreakConsecutive years of raises | 0 | 3 |
| Dividend / ShareAnnual DPS | $3.74 | $46.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +0.1% |
BAP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BAP leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). IFS leads in 1 (Valuation Metrics). 1 tied.
Best OverallCredicorp Ltd. (BAP)Leads 4 of 6 categories
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IFS vs BAP: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is IFS or BAP a better buy right now?
For growth investors, Credicorp Ltd.
(BAP) is the stronger pick with 6. 4% revenue growth year-over-year, versus 0. 7% for Intercorp Financial Services Inc. (IFS). Intercorp Financial Services Inc. (IFS) offers the better valuation at 13. 9x trailing P/E (2. 3x forward), making it the more compelling value choice. Analysts rate Intercorp Financial Services Inc. (IFS) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — IFS or BAP?
On trailing P/E, Intercorp Financial Services Inc.
(IFS) is the cheapest at 13. 9x versus Credicorp Ltd. at 16. 5x. On forward P/E, Intercorp Financial Services Inc. is actually cheaper at 2. 3x.
03Which is the better long-term investment — IFS or BAP?
Over the past 5 years, Credicorp Ltd.
(BAP) delivered a total return of +209. 9%, compared to +121. 5% for Intercorp Financial Services Inc. (IFS). Over 10 years, the gap is even starker: BAP returned +179. 8% versus IFS's +61. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — IFS or BAP?
By beta (market sensitivity over 5 years), Intercorp Financial Services Inc.
(IFS) is the lower-risk stock at 0. 65β versus Credicorp Ltd. 's 0. 81β — meaning BAP is approximately 24% more volatile than IFS relative to the S&P 500. On balance sheet safety, Credicorp Ltd. (BAP) carries a lower debt/equity ratio of 107% versus 108% for Intercorp Financial Services Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — IFS or BAP?
By revenue growth (latest reported year), Credicorp Ltd.
(BAP) is pulling ahead at 6. 4% versus 0. 7% for Intercorp Financial Services Inc. (IFS). On earnings-per-share growth, the picture is similar: Intercorp Financial Services Inc. grew EPS 22. 0% year-over-year, compared to 13. 1% for Credicorp Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — IFS or BAP?
Credicorp Ltd.
(BAP) is the more profitable company, earning 20. 4% net margin versus 14. 7% for Intercorp Financial Services Inc. — meaning it keeps 20. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BAP leads at 29. 0% versus 18. 6% for IFS. At the gross margin level — before operating expenses — BAP leads at 64. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is IFS or BAP more undervalued right now?
On forward earnings alone, Intercorp Financial Services Inc.
(IFS) trades at 2. 3x forward P/E versus 3. 4x for Credicorp Ltd. — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BAP: 24. 9% to $408. 00.
08Which pays a better dividend — IFS or BAP?
All stocks in this comparison pay dividends.
Credicorp Ltd. (BAP) offers the highest yield at 4. 0%, versus 2. 4% for Intercorp Financial Services Inc. (IFS).
09Is IFS or BAP better for a retirement portfolio?
For long-horizon retirement investors, Intercorp Financial Services Inc.
(IFS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 65), 2. 4% yield). Both have compounded well over 10 years (IFS: +61. 8%, BAP: +179. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between IFS and BAP?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(IFS: 0.7% · BAP: 6.4%)Net Margin>
%
(IFS: 14.7% · BAP: 20.4%)P/E Ratio<
x
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