IFS
Intercorp Financial Services Inc.
Banks - Regional
Market Cap$4.98B
5Y Perf.+81.0%
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Stock Comparison
IFS vs BSAC
Revenue, margins, valuation, and 5-year total return — side by side.
BSAC
Banco Santander-Chile
Banks - Regional
Market Cap$14.38B
5Y Perf.+93.6%
IFS vs BSAC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | IFS | BSAC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $4.98B | $14.38B |
| Revenue (TTM) | $8.86B | $4.66T |
| Net Income (TTM) | $1.92B | $1.05T |
| Gross Margin | 54.2% | 48.8% |
| Operating Margin | 18.6% | 26.7% |
| Forward P/E | 2.3x | 0.0x |
| Total Debt | $11.82B | $15.88T |
| Cash & Equiv. | $12.20B | $5.24T |
IFS vs BSAC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
IFS
BSAC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Intercorp Financial… (IFS) | 100 | 181.0 | +81.0% |
| Banco Santander-Chi… (BSAC) | 100 | 193.6 | +93.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: IFS vs BSAC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BSAC leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Intercorp Financial Services Inc. is the stronger pick specifically for growth and revenue expansion 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 growth exposure and sleep-well-at-night.
- Rev growth 0.7%, EPS growth 22.0%
- Lower volatility, beta 0.65, current ratio 0.06x
- NIM 4.9% vs BSAC's 2.9%
Best for: growth exposure and sleep-well-at-night
BSAC
Banco Santander-Chile
The Banking Pick
BSAC carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.94, yield 100.0%
- 125.2% 10Y total return vs IFS's 60.3%
- Beta 0.94, yield 100.0%, current ratio 0.21x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | IFS | 0.7% NII/revenue growth vs BSAC's -5.0% |
| Value | BSAC | Lower P/E (0.0x vs 2.3x) |
| Quality / Margins | BSAC | Efficiency ratio 0.2% vs IFS's 0.4% (lower = leaner) |
| Stability / Safety | IFS | Beta 0.65 vs BSAC's 0.94, lower leverage |
| Dividends | BSAC | 100.0% yield, 1-year raise streak, vs IFS's 2.4% |
| Momentum (1Y) | IFS | +39.4% vs BSAC's +32.8% |
| Efficiency (ROA) | BSAC | Efficiency ratio 0.2% vs IFS's 0.4% |
IFS vs BSAC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIFSLAGGINGBSAC
BSACBanco Santander-Chile
3leads
IFSIntercorp Financial S…
3leads
6 Total Categories
CATEGORYLEADERvs BSACMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BSAC3/5
Valuation MetricsMultiples, price ratios, and targets
BSAC3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
IFS7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
IFS5/6
Risk & VolatilityBeta, volatility, and downside exposure
IFS2/2
Analyst OutlookRatings, price targets, and dividends
BSAC2/2
Income & Cash Flow (Last 12 Months)
BSAC leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BSAC is the larger business by revenue, generating $4.66T annually — 526.1x IFS's $8.9B. BSAC is the more profitable business, keeping 21.9% of every revenue dollar as net income compared to IFS's 14.7%.
| Metric | IFSIntercorp Financi… | BSACBanco Santander-C… |
|---|---|---|
| RevenueTrailing 12 months | $8.9B | $4.66T |
| EBITDAEarnings before interest/tax | $2.8B | $1.45T |
| Net IncomeAfter-tax profit | $1.9B | $1.05T |
| Free Cash FlowCash after capex | -$2.3B | $776.1B |
| Gross MarginGross profit ÷ Revenue | +54.2% | +48.8% |
| Operating MarginEBIT ÷ Revenue | +18.6% | +26.7% |
| Net MarginNet income ÷ Revenue | +14.7% | +21.9% |
| FCF MarginFCF ÷ Revenue | -21.3% | +13.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.1% | -8.2% |
BSAC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
BSAC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 0.0x trailing earnings, BSAC trades at a 100% valuation discount to IFS's 13.6x P/E. On an enterprise value basis, IFS's 8.2x EV/EBITDA is more attractive than BSAC's 17.0x.
| Metric | IFSIntercorp Financi… | BSACBanco Santander-C… |
|---|---|---|
| Market CapShares × price | $5.0B | $14.4B |
| Enterprise ValueMkt cap + debt − cash | $4.9B | $26.3B |
| Trailing P/EPrice ÷ TTM EPS | 13.65x | 0.03x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.25x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.00x |
| EV / EBITDAEnterprise value multiple | 8.20x | 17.04x |
| Price / SalesMarket cap ÷ Revenue | 1.95x | 2.77x |
| Price / BookPrice ÷ Book value/share | 1.62x | 0.03x |
| Price / FCFMarket cap ÷ FCF | — | 20.64x |
BSAC leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
IFS leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
BSAC delivers a 21.5% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $16 for IFS. IFS carries lower financial leverage with a 1.08x debt-to-equity ratio, signaling a more conservative balance sheet compared to BSAC's 2.77x. On the Piotroski fundamental quality scale (0–9), BSAC scores 5/9 vs IFS's 4/9, reflecting solid financial health.
| Metric | IFSIntercorp Financi… | BSACBanco Santander-C… |
|---|---|---|
| ROE (TTM)Return on equity | +16.1% | +21.5% |
| ROA (TTM)Return on assets | +2.0% | +1.6% |
| ROICReturn on invested capital | +5.7% | +4.5% |
| ROCEReturn on capital employed | +4.2% | +3.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 1.08x | 2.77x |
| Net DebtTotal debt minus cash | -$379M | $10.64T |
| Cash & Equiv.Liquid assets | $12.2B | $5.24T |
| Total DebtShort + long-term debt | $11.8B | $15.88T |
| Interest CoverageEBIT ÷ Interest expense | 0.99x | 0.72x |
IFS leads this category, winning 7 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 $15,452 for BSAC. Over the past 12 months, IFS leads with a +39.4% total return vs BSAC's +32.8%. The 3-year compound annual growth rate (CAGR) favors IFS at 31.1% vs BSAC's 20.4% — a key indicator of consistent wealth creation.
| Metric | IFSIntercorp Financi… | BSACBanco Santander-C… |
|---|---|---|
| YTD ReturnYear-to-date | +14.3% | +2.7% |
| 1-Year ReturnPast 12 months | +39.4% | +32.8% |
| 3-Year ReturnCumulative with dividends | +125.5% | +74.3% |
| 5-Year ReturnCumulative with dividends | +121.2% | +54.5% |
| 10-Year ReturnCumulative with dividends | +60.3% | +125.2% |
| CAGR (3Y)Annualised 3-year return | +31.1% | +20.4% |
IFS leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
IFS leads this category, winning 2 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 BSAC's 0.94 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. IFS currently trades 84.8% from its 52-week high vs BSAC's 80.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | IFSIntercorp Financi… | BSACBanco Santander-C… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 0.94x |
| 52-Week HighHighest price in past year | $52.91 | $37.72 |
| 52-Week LowLowest price in past year | $34.18 | $22.77 |
| % of 52W HighCurrent price vs 52-week peak | +84.8% | +80.9% |
| RSI (14)Momentum oscillator 0–100 | 43.7 | 40.3 |
| Avg Volume (50D)Average daily shares traded | 270K | 453K |
IFS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
BSAC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates IFS as "Buy" and BSAC as "Hold". Consensus price targets imply 9.7% upside for BSAC (target: $34) vs -32.0% for IFS (target: $31). For income investors, BSAC offers the higher dividend yield at 100.00% vs IFS's 2.41%.
| Metric | IFSIntercorp Financi… | BSACBanco Santander-C… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $30.50 | $33.50 |
| # AnalystsCovering analysts | 4 | 12 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +100.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $3.74 | $484767.98 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | 0.0% |
BSAC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BSAC leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). IFS leads in 3 (Profitability & Efficiency, Total Returns).
Best OverallIntercorp Financial Service… (IFS)Leads 3 of 6 categories
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IFS vs BSAC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is IFS or BSAC a better buy right now?
For growth investors, Intercorp Financial Services Inc.
(IFS) is the stronger pick with 0. 7% revenue growth year-over-year, versus -5. 0% for Banco Santander-Chile (BSAC). Banco Santander-Chile (BSAC) offers the better valuation at 0. 0x trailing P/E (0. 0x 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 BSAC?
On trailing P/E, Banco Santander-Chile (BSAC) is the cheapest at 0.
0x versus Intercorp Financial Services Inc. at 13. 6x. On forward P/E, Banco Santander-Chile is actually cheaper at 0. 0x.
03Which is the better long-term investment — IFS or BSAC?
Over the past 5 years, Intercorp Financial Services Inc.
(IFS) delivered a total return of +121. 2%, compared to +54. 5% for Banco Santander-Chile (BSAC). Over 10 years, the gap is even starker: BSAC returned +125. 2% versus IFS's +60. 3%. 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 BSAC?
By beta (market sensitivity over 5 years), Intercorp Financial Services Inc.
(IFS) is the lower-risk stock at 0. 65β versus Banco Santander-Chile's 0. 94β — meaning BSAC is approximately 44% 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 3% for Banco Santander-Chile — giving it more financial flexibility in a downturn.
05Which is growing faster — IFS or BSAC?
By revenue growth (latest reported year), Intercorp Financial Services Inc.
(IFS) is pulling ahead at 0. 7% versus -5. 0% for Banco Santander-Chile (BSAC). On earnings-per-share growth, the picture is similar: Banco Santander-Chile grew EPS 492. 6% 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 BSAC?
Banco Santander-Chile (BSAC) is the more profitable company, earning 21.
9% net margin versus 14. 7% for Intercorp Financial Services Inc. — meaning it keeps 21. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BSAC leads at 26. 7% versus 18. 6% for IFS. 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 BSAC more undervalued right now?
On forward earnings alone, Banco Santander-Chile (BSAC) trades at 0.
0x forward P/E versus 2. 3x for Intercorp Financial Services Inc. — 2. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BSAC: 9. 7% to $33. 50.
08Which pays a better dividend — IFS or BSAC?
All stocks in this comparison pay dividends.
Banco Santander-Chile (BSAC) offers the highest yield at 100. 0%, versus 2. 4% for Intercorp Financial Services Inc. (IFS).
09Is IFS or BSAC 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%, BSAC: +125. 2%), 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 BSAC?
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% · BSAC: -5.0%)Net Margin>
%
(IFS: 14.7% · BSAC: 21.9%)P/E Ratio<
x
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