IFS
Intercorp Financial Services Inc.
Banks - Regional
Market Cap$4.98B
5Y Perf.+80.2%
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Stock Comparison
IFS vs GFI
Revenue, margins, valuation, and 5-year total return — side by side.
GFI
Gold Fields Limited
Gold
Market Cap$40.19B
5Y Perf.+481.1%
IFS vs GFI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | IFS | GFI |
|---|---|---|
| Industry | Banks - Regional | Gold |
| Market Cap | $4.98B | $40.19B |
| Revenue (TTM) | $8.86B | $10.92B |
| Net Income (TTM) | $1.92B | $2.54B |
| Gross Margin | 54.2% | 43.1% |
| Operating Margin | 18.6% | 43.2% |
| Forward P/E | 2.2x | 7.7x |
| Total Debt | $11.82B | $2.95B |
| Cash & Equiv. | $12.20B | $860M |
IFS vs GFI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
IFS
GFI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Intercorp Financial… (IFS) | 100 | 180.2 | +80.2% |
| Gold Fields Limited (GFI) | 100 | 581.1 | +481.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: IFS vs GFI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: GFI leads in 4 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. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
IFS
Intercorp Financial Services Inc.
The Banking Pick
IFS is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.65, yield 2.4%
- Lower volatility, beta 0.65, current ratio 0.06x
- Beta 0.65, yield 2.4%, current ratio 0.06x
Best for: income & stability and sleep-well-at-night
GFI
Gold Fields Limited
The Growth Play
GFI carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 15.6%, EPS growth 79.2%, 3Y rev CAGR 7.4%
- 10.9% 10Y total return vs IFS's 60.3%
- 15.6% revenue growth vs IFS's 0.7%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | GFI | 15.6% revenue growth vs IFS's 0.7% |
| Value | IFS | Lower P/E (2.2x vs 7.7x) |
| Quality / Margins | GFI | 23.2% margin vs IFS's 14.7% |
| Stability / Safety | IFS | Beta 0.65 vs GFI's 0.86 |
| Dividends | IFS | 2.4% yield, vs GFI's 0.9% |
| Momentum (1Y) | GFI | +103.5% vs IFS's +39.4% |
| Efficiency (ROA) | GFI | 23.4% ROA vs IFS's 2.0%, ROIC 24.0% vs 5.7% |
IFS vs GFI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2022
IFS vs GFI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIFSLAGGINGGFI
GFIGold Fields Limited
3leads
IFSIntercorp Financial S…
3leads
6 Total Categories
CATEGORYLEADERvs GFIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GFI4/5
Valuation MetricsMultiples, price ratios, and targets
IFS5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GFI8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
GFI5/6
Risk & VolatilityBeta, volatility, and downside exposure
IFS2/2
Analyst OutlookRatings, price targets, and dividends
IFS1/1
Income & Cash Flow (Last 12 Months)
GFI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
GFI and IFS operate at a comparable scale, with $10.9B and $8.9B in trailing revenue. GFI is the more profitable business, keeping 23.2% of every revenue dollar as net income compared to IFS's 14.7%.
| Metric | IFSIntercorp Financi… | GFIGold Fields Limit… |
|---|---|---|
| RevenueTrailing 12 months | $8.9B | $10.9B |
| EBITDAEarnings before interest/tax | $2.8B | $6.0B |
| Net IncomeAfter-tax profit | $1.9B | $2.5B |
| Free Cash FlowCash after capex | -$2.3B | $2.0B |
| Gross MarginGross profit ÷ Revenue | +54.2% | +43.1% |
| Operating MarginEBIT ÷ Revenue | +18.6% | +43.2% |
| Net MarginNet income ÷ Revenue | +14.7% | +23.2% |
| FCF MarginFCF ÷ Revenue | -21.3% | +18.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +64.2% |
| EPS Growth (YoY)Latest quarter vs prior year | +20.1% | +165.1% |
GFI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
IFS leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 13.6x trailing earnings, IFS trades at a 58% valuation discount to GFI's 32.5x P/E. On an enterprise value basis, IFS's 8.2x EV/EBITDA is more attractive than GFI's 15.5x.
| Metric | IFSIntercorp Financi… | GFIGold Fields Limit… |
|---|---|---|
| Market CapShares × price | $5.0B | $40.2B |
| Enterprise ValueMkt cap + debt − cash | $4.9B | $42.3B |
| Trailing P/EPrice ÷ TTM EPS | 13.65x | 32.54x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.23x | 7.71x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.67x |
| EV / EBITDAEnterprise value multiple | 8.20x | 15.54x |
| Price / SalesMarket cap ÷ Revenue | 1.95x | 7.73x |
| Price / BookPrice ÷ Book value/share | 1.62x | 7.49x |
| Price / FCFMarket cap ÷ FCF | — | 56.66x |
IFS leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
GFI leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
GFI delivers a 40.6% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $16 for IFS. GFI carries lower financial leverage with a 0.55x debt-to-equity ratio, signaling a more conservative balance sheet compared to IFS's 1.08x. On the Piotroski fundamental quality scale (0–9), GFI scores 5/9 vs IFS's 4/9, reflecting solid financial health.
| Metric | IFSIntercorp Financi… | GFIGold Fields Limit… |
|---|---|---|
| ROE (TTM)Return on equity | +16.1% | +40.6% |
| ROA (TTM)Return on assets | +2.0% | +23.4% |
| ROICReturn on invested capital | +5.7% | +24.0% |
| ROCEReturn on capital employed | +4.2% | +27.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 1.08x | 0.55x |
| Net DebtTotal debt minus cash | -$379M | $2.1B |
| Cash & Equiv.Liquid assets | $12.2B | $860M |
| Total DebtShort + long-term debt | $11.8B | $2.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.99x | 44.58x |
GFI leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
GFI leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GFI five years ago would be worth $46,194 today (with dividends reinvested), compared to $22,122 for IFS. Over the past 12 months, GFI leads with a +103.5% total return vs IFS's +39.4%. The 3-year compound annual growth rate (CAGR) favors GFI at 41.6% vs IFS's 31.1% — a key indicator of consistent wealth creation.
| Metric | IFSIntercorp Financi… | GFIGold Fields Limit… |
|---|---|---|
| YTD ReturnYear-to-date | +14.3% | +6.4% |
| 1-Year ReturnPast 12 months | +39.4% | +103.5% |
| 3-Year ReturnCumulative with dividends | +125.5% | +183.6% |
| 5-Year ReturnCumulative with dividends | +121.2% | +361.9% |
| 10-Year ReturnCumulative with dividends | +60.3% | +1086.7% |
| CAGR (3Y)Annualised 3-year return | +31.1% | +41.6% |
GFI 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 GFI's 0.86 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 GFI's 72.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | IFSIntercorp Financi… | GFIGold Fields Limit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.66x | 1.03x |
| 52-Week HighHighest price in past year | $52.91 | $61.64 |
| 52-Week LowLowest price in past year | $34.18 | $19.35 |
| % of 52W HighCurrent price vs 52-week peak | +84.8% | +72.8% |
| RSI (14)Momentum oscillator 0–100 | 43.7 | 52.5 |
| Avg Volume (50D)Average daily shares traded | 270K | 3.1M |
IFS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
IFS leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates IFS as "Buy" and GFI as "Hold". Consensus price targets imply 21.2% upside for GFI (target: $54) vs -32.0% for IFS (target: $31). For income investors, IFS offers the higher dividend yield at 2.41% vs GFI's 0.87%.
| Metric | IFSIntercorp Financi… | GFIGold Fields Limit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $30.50 | $54.42 |
| # AnalystsCovering analysts | 4 | 18 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +0.9% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $3.74 | $0.39 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | 0.0% |
IFS leads this category, winning 1 of 1 comparable metric.
Key Takeaway
GFI leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). IFS leads in 3 (Valuation Metrics, Risk & Volatility).
Best OverallIntercorp Financial Service… (IFS)Leads 3 of 6 categories
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IFS vs GFI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is IFS or GFI a better buy right now?
For growth investors, Gold Fields Limited (GFI) is the stronger pick with 15.
6% 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. 6x trailing P/E (2. 2x 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 GFI?
On trailing P/E, Intercorp Financial Services Inc.
(IFS) is the cheapest at 13. 6x versus Gold Fields Limited at 32. 5x. On forward P/E, Intercorp Financial Services Inc. is actually cheaper at 2. 2x.
03Which is the better long-term investment — IFS or GFI?
Over the past 5 years, Gold Fields Limited (GFI) delivered a total return of +361.
9%, compared to +121. 2% for Intercorp Financial Services Inc. (IFS). Over 10 years, the gap is even starker: GFI returned +1084% versus IFS's +60. 0%. 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 GFI?
By beta (market sensitivity over 5 years), Intercorp Financial Services Inc.
(IFS) is the lower-risk stock at 0. 66β versus Gold Fields Limited's 1. 03β — meaning GFI is approximately 55% more volatile than IFS relative to the S&P 500. On balance sheet safety, Gold Fields Limited (GFI) carries a lower debt/equity ratio of 55% versus 108% for Intercorp Financial Services Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — IFS or GFI?
By revenue growth (latest reported year), Gold Fields Limited (GFI) is pulling ahead at 15.
6% versus 0. 7% for Intercorp Financial Services Inc. (IFS). On earnings-per-share growth, the picture is similar: Gold Fields Limited grew EPS 79. 2% 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 GFI?
Gold Fields Limited (GFI) is the more profitable company, earning 23.
9% net margin versus 14. 7% for Intercorp Financial Services Inc. — meaning it keeps 23. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GFI leads at 40. 2% 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 GFI more undervalued right now?
On forward earnings alone, Intercorp Financial Services Inc.
(IFS) trades at 2. 2x forward P/E versus 7. 7x for Gold Fields Limited — 5. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GFI: 21. 2% to $54. 42.
08Which pays a better dividend — IFS or GFI?
All stocks in this comparison pay dividends.
Intercorp Financial Services Inc. (IFS) offers the highest yield at 2. 4%, versus 0. 9% for Gold Fields Limited (GFI).
09Is IFS or GFI better for a retirement portfolio?
For long-horizon retirement investors, Gold Fields Limited (GFI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
03), 0. 9% yield, +1084% 10Y return). Both have compounded well over 10 years (GFI: +1084%, IFS: +60. 0%), 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 GFI?
These companies operate in different sectors (IFS (Financial Services) and GFI (Basic Materials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: IFS is a small-cap deep-value stock; GFI 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.
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Revenue Growth>
%
(IFS: 0.7% · GFI: 64.2%)Net Margin>
%
(IFS: 14.7% · GFI: 23.2%)P/E Ratio<
x
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