IFS
Intercorp Financial Services Inc.
Banks - Regional
Market Cap$4.98B
5Y Perf.+81.0%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
IFS vs BBD
Revenue, margins, valuation, and 5-year total return — side by side.
BBD
Banco Bradesco S.A.
Banks - Regional
Market Cap$39.57B
5Y Perf.+30.8%
IFS vs BBD — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | IFS | BBD |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $4.98B | $39.57B |
| Revenue (TTM) | $8.86B | $342.23B |
| Net Income (TTM) | $1.92B | $23.21B |
| Gross Margin | 54.2% | 34.6% |
| Operating Margin | 18.6% | -1.1% |
| Forward P/E | 2.3x | 1.4x |
| Total Debt | $11.82B | $798.39B |
| Cash & Equiv. | $12.20B | $160.84B |
IFS vs BBD — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
IFS
BBD
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Intercorp Financial… (IFS) | 100 | 181.0 | +81.0% |
| Banco Bradesco S.A. (BBD) | 100 | 130.8 | +30.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: IFS vs BBD
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BBD leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Intercorp Financial Services Inc. is the stronger pick specifically for profitability and margin quality 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 long-term compounding and sleep-well-at-night.
- 60.3% 10Y total return vs BBD's 57.1%
- Lower volatility, beta 0.65, current ratio 0.06x
- NIM 4.9% vs BBD's 3.1%
Best for: long-term compounding and sleep-well-at-night
BBD
Banco Bradesco S.A.
The Banking Pick
BBD carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 1.15, yield 6.0%
- Rev growth 37.1%, EPS growth 34.4%
- Beta 1.15, yield 6.0%, current ratio 0.25x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BBD | 37.1% NII/revenue growth vs IFS's 0.7% |
| Value | BBD | Lower P/E (1.4x vs 2.3x) |
| Quality / Margins | IFS | Efficiency ratio 0.4% vs BBD's 0.4% (lower = leaner) |
| Stability / Safety | IFS | Beta 0.65 vs BBD's 1.15, lower leverage |
| Dividends | BBD | 6.0% yield, 1-year raise streak, vs IFS's 2.4% |
| Momentum (1Y) | BBD | +76.0% vs IFS's +39.4% |
| Efficiency (ROA) | IFS | Efficiency ratio 0.4% vs BBD's 0.4% |
IFS vs BBD — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIFSLAGGINGBBD
BBDBanco Bradesco S.A.
2leads
IFSIntercorp Financial S…
3leads
6 Total Categories
CATEGORYLEADERvs BBDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
IFS4/5
Valuation MetricsMultiples, price ratios, and targets
BBD4/4
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
IFS8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
IFS5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
BBD2/2
Income & Cash Flow (Last 12 Months)
IFS leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BBD is the larger business by revenue, generating $342.2B annually — 38.6x IFS's $8.9B. IFS is the more profitable business, keeping 14.7% of every revenue dollar as net income compared to BBD's 6.8%.
| Metric | IFSIntercorp Financi… | BBDBanco Bradesco S.… |
|---|---|---|
| RevenueTrailing 12 months | $8.9B | $342.2B |
| EBITDAEarnings before interest/tax | $2.8B | -$1.4B |
| Net IncomeAfter-tax profit | $1.9B | $23.2B |
| Free Cash FlowCash after capex | -$2.3B | -$201.5B |
| Gross MarginGross profit ÷ Revenue | +54.2% | +34.6% |
| Operating MarginEBIT ÷ Revenue | +18.6% | -1.1% |
| Net MarginNet income ÷ Revenue | +14.7% | +6.8% |
| FCF MarginFCF ÷ Revenue | -21.3% | -92.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.1% | +46.2% |
IFS leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BBD leads this category, winning 4 of 4 comparable metrics.
Valuation Metrics
At 8.5x trailing earnings, BBD trades at a 38% valuation discount to IFS's 13.6x P/E.
| Metric | IFSIntercorp Financi… | BBDBanco Bradesco S.… |
|---|---|---|
| Market CapShares × price | $5.0B | $39.6B |
| Enterprise ValueMkt cap + debt − cash | $4.9B | $168.4B |
| Trailing P/EPrice ÷ TTM EPS | 13.65x | 8.45x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.25x | 1.39x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.04x |
| EV / EBITDAEnterprise value multiple | 8.20x | — |
| Price / SalesMarket cap ÷ Revenue | 1.95x | 0.57x |
| Price / BookPrice ÷ Book value/share | 1.62x | 1.09x |
| Price / FCFMarket cap ÷ FCF | — | — |
BBD leads this category, winning 4 of 4 comparable metrics.
Profitability & Efficiency
IFS leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
IFS delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $13 for BBD. IFS carries lower financial leverage with a 1.08x debt-to-equity ratio, signaling a more conservative balance sheet compared to BBD's 4.46x. On the Piotroski fundamental quality scale (0–9), BBD scores 5/9 vs IFS's 4/9, reflecting solid financial health.
| Metric | IFSIntercorp Financi… | BBDBanco Bradesco S.… |
|---|---|---|
| ROE (TTM)Return on equity | +16.1% | +13.2% |
| ROA (TTM)Return on assets | +2.0% | +1.1% |
| ROICReturn on invested capital | +5.7% | -0.3% |
| ROCEReturn on capital employed | +4.2% | -0.3% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 1.08x | 4.46x |
| Net DebtTotal debt minus cash | -$379M | $637.5B |
| Cash & Equiv.Liquid assets | $12.2B | $160.8B |
| Total DebtShort + long-term debt | $11.8B | $798.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.99x | -0.03x |
IFS leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
IFS leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in IFS five years ago would be worth $22,122 today (with dividends reinvested), compared to $11,552 for BBD. Over the past 12 months, BBD leads with a +76.0% total return vs IFS's +39.4%. The 3-year compound annual growth rate (CAGR) favors IFS at 31.1% vs BBD's 13.1% — a key indicator of consistent wealth creation.
| Metric | IFSIntercorp Financi… | BBDBanco Bradesco S.… |
|---|---|---|
| YTD ReturnYear-to-date | +14.3% | +12.8% |
| 1-Year ReturnPast 12 months | +39.4% | +76.0% |
| 3-Year ReturnCumulative with dividends | +125.5% | +44.5% |
| 5-Year ReturnCumulative with dividends | +121.2% | +15.5% |
| 10-Year ReturnCumulative with dividends | +60.3% | +57.1% |
| CAGR (3Y)Annualised 3-year return | +31.1% | +13.1% |
IFS leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — IFS and BBD 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 BBD's 1.15 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | IFSIntercorp Financi… | BBDBanco Bradesco S.… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 1.15x |
| 52-Week HighHighest price in past year | $52.91 | $4.30 |
| 52-Week LowLowest price in past year | $34.18 | $2.26 |
| % of 52W HighCurrent price vs 52-week peak | +84.8% | +87.0% |
| RSI (14)Momentum oscillator 0–100 | 43.7 | 48.7 |
| Avg Volume (50D)Average daily shares traded | 270K | 38.4M |
Evenly matched — IFS and BBD each lead in 1 of 2 comparable metrics.
Analyst Outlook
BBD leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates IFS as "Buy" and BBD as "Hold". Consensus price targets imply -14.4% upside for BBD (target: $3) vs -32.0% for IFS (target: $31). For income investors, BBD offers the higher dividend yield at 6.04% vs IFS's 2.41%.
| Metric | IFSIntercorp Financi… | BBDBanco Bradesco S.… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $30.50 | $3.20 |
| # AnalystsCovering analysts | 4 | 15 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +6.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $3.74 | $1.12 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +0.1% |
BBD leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
IFS leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BBD leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Best OverallIntercorp Financial Service… (IFS)Leads 3 of 6 categories
Loading custom metrics...
IFS vs BBD: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is IFS or BBD a better buy right now?
For growth investors, Banco Bradesco S.
A. (BBD) is the stronger pick with 37. 1% revenue growth year-over-year, versus 0. 7% for Intercorp Financial Services Inc. (IFS). Banco Bradesco S. A. (BBD) offers the better valuation at 8. 5x trailing P/E (1. 4x 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 BBD?
On trailing P/E, Banco Bradesco S.
A. (BBD) is the cheapest at 8. 5x versus Intercorp Financial Services Inc. at 13. 6x. On forward P/E, Banco Bradesco S. A. is actually cheaper at 1. 4x.
03Which is the better long-term investment — IFS or BBD?
Over the past 5 years, Intercorp Financial Services Inc.
(IFS) delivered a total return of +121. 2%, compared to +15. 5% for Banco Bradesco S. A. (BBD). Over 10 years, the gap is even starker: IFS returned +60. 3% versus BBD's +57. 1%. 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 BBD?
By beta (market sensitivity over 5 years), Intercorp Financial Services Inc.
(IFS) is the lower-risk stock at 0. 65β versus Banco Bradesco S. A. 's 1. 15β — meaning BBD is approximately 76% more volatile than IFS relative to the S&P 500. On balance sheet safety, Intercorp Financial Services Inc. (IFS) carries a lower debt/equity ratio of 108% versus 4% for Banco Bradesco S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — IFS or BBD?
By revenue growth (latest reported year), Banco Bradesco S.
A. (BBD) is pulling ahead at 37. 1% versus 0. 7% for Intercorp Financial Services Inc. (IFS). On earnings-per-share growth, the picture is similar: Banco Bradesco S. A. grew EPS 34. 4% year-over-year, compared to 22. 0% for Intercorp Financial Services Inc.. 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 BBD?
Intercorp Financial Services Inc.
(IFS) is the more profitable company, earning 14. 7% net margin versus 6. 8% for Banco Bradesco S. A. — meaning it keeps 14. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IFS leads at 18. 6% versus -1. 1% for BBD. At the gross margin level — before operating expenses — IFS leads at 54. 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 BBD more undervalued right now?
On forward earnings alone, Banco Bradesco S.
A. (BBD) trades at 1. 4x forward P/E versus 2. 3x for Intercorp Financial Services Inc. — 0. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BBD: -14. 4% to $3. 20.
08Which pays a better dividend — IFS or BBD?
All stocks in this comparison pay dividends.
Banco Bradesco S. A. (BBD) offers the highest yield at 6. 0%, versus 2. 4% for Intercorp Financial Services Inc. (IFS).
09Is IFS or BBD 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: +60. 3%, BBD: +57. 1%), 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 BBD?
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.
In terms of investment character: IFS is a small-cap deep-value stock; BBD is a mid-cap high-growth stock. 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(IFS: 0.7% · BBD: 37.1%)Net Margin>
%
(IFS: 14.7% · BBD: 6.8%)P/E Ratio<
x
(IFS: 13.6x · BBD: 8.5x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.