IFS
Intercorp Financial Services Inc.
Banks - Regional
Market Cap$4.98B
5Y Perf.+81.0%
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Stock Comparison
IFS vs ITUB
Revenue, margins, valuation, and 5-year total return — side by side.
ITUB
Itaú Unibanco Holding S.A.
Banks - Regional
Market Cap$90.15B
5Y Perf.+157.2%
IFS vs ITUB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | IFS | ITUB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $4.98B | $90.15B |
| Revenue (TTM) | $8.86B | $384.58B |
| Net Income (TTM) | $1.92B | $44.86B |
| Gross Margin | 54.2% | 34.5% |
| Operating Margin | 18.6% | 13.1% |
| Forward P/E | 2.3x | 1.7x |
| Total Debt | $11.82B | $1.01T |
| Cash & Equiv. | $12.20B | $270.61B |
IFS vs ITUB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
IFS
ITUB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Intercorp Financial… (IFS) | 100 | 181.0 | +81.0% |
| Itaú Unibanco Holdi… (ITUB) | 100 | 257.2 | +157.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: IFS vs ITUB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ITUB leads in 6 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 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 and bank quality.
- Lower volatility, beta 0.65, current ratio 0.06x
- NIM 4.9% vs ITUB's 1.2%
- Beta 0.65 vs ITUB's 1.11, lower leverage
Best for: sleep-well-at-night and bank quality
ITUB
Itaú Unibanco Holding S.A.
The Banking Pick
ITUB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 1.11, yield 10.4%
- Rev growth 18.0%, EPS growth 4.0%
- 188.7% 10Y total return vs IFS's 60.3%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ITUB | 18.0% NII/revenue growth vs IFS's 0.7% |
| Value | ITUB | Lower P/E (1.7x vs 2.3x) |
| Quality / Margins | ITUB | Efficiency ratio 0.2% vs IFS's 0.4% (lower = leaner) |
| Stability / Safety | IFS | Beta 0.65 vs ITUB's 1.11, lower leverage |
| Dividends | ITUB | 10.4% yield, 4-year raise streak, vs IFS's 2.4% |
| Momentum (1Y) | ITUB | +44.4% vs IFS's +39.4% |
| Efficiency (ROA) | ITUB | Efficiency ratio 0.2% vs IFS's 0.4% |
IFS vs ITUB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIFSLAGGINGITUB
ITUBItaú Unibanco Holding…
2leads
IFSIntercorp Financial S…
2leads
6 Total Categories
CATEGORYLEADERvs ITUBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
IFS4/5
Valuation MetricsMultiples, price ratios, and targets
ITUB3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
IFS7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
ITUB2/2
Income & Cash Flow (Last 12 Months)
IFS leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ITUB is the larger business by revenue, generating $384.6B annually — 43.4x IFS's $8.9B. Profitability is closely matched — net margins range from 14.7% (IFS) to 11.7% (ITUB).
| Metric | IFSIntercorp Financi… | ITUBItaú Unibanco Hol… |
|---|---|---|
| RevenueTrailing 12 months | $8.9B | $384.6B |
| EBITDAEarnings before interest/tax | $2.8B | $57.6B |
| Net IncomeAfter-tax profit | $1.9B | $44.9B |
| Free Cash FlowCash after capex | -$2.3B | $117.6B |
| Gross MarginGross profit ÷ Revenue | +54.2% | +34.5% |
| Operating MarginEBIT ÷ Revenue | +18.6% | +13.1% |
| Net MarginNet income ÷ Revenue | +14.7% | +11.7% |
| FCF MarginFCF ÷ Revenue | -21.3% | +33.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.1% | -11.4% |
IFS leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
ITUB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 10.3x trailing earnings, ITUB trades at a 25% valuation discount to IFS's 13.6x P/E. On an enterprise value basis, IFS's 8.2x EV/EBITDA is more attractive than ITUB's 20.6x.
| Metric | IFSIntercorp Financi… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Market CapShares × price | $5.0B | $90.2B |
| Enterprise ValueMkt cap + debt − cash | $4.9B | $240.0B |
| Trailing P/EPrice ÷ TTM EPS | 13.65x | 10.30x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.25x | 1.74x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.50x |
| EV / EBITDAEnterprise value multiple | 8.20x | 20.62x |
| Price / SalesMarket cap ÷ Revenue | 1.95x | 1.16x |
| Price / BookPrice ÷ Book value/share | 1.62x | 2.11x |
| Price / FCFMarket cap ÷ FCF | — | 3.48x |
ITUB leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
IFS leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
ITUB delivers a 20.6% return on equity — every $100 of shareholder capital generates $21 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 ITUB's 4.71x.
| Metric | IFSIntercorp Financi… | ITUBItaú Unibanco Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +16.1% | +20.6% |
| ROA (TTM)Return on assets | +2.0% | +1.5% |
| ROICReturn on invested capital | +5.7% | +3.2% |
| ROCEReturn on capital employed | +4.2% | +2.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 1.08x | 4.71x |
| Net DebtTotal debt minus cash | -$379M | $742.0B |
| Cash & Equiv.Liquid assets | $12.2B | $270.6B |
| Total DebtShort + long-term debt | $11.8B | $1.01T |
| Interest CoverageEBIT ÷ Interest expense | 0.99x | 0.23x |
IFS leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — IFS and ITUB each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ITUB five years ago would be worth $24,900 today (with dividends reinvested), compared to $22,122 for IFS. Over the past 12 months, ITUB leads with a +44.4% total return vs IFS's +39.4%. The 3-year compound annual growth rate (CAGR) favors IFS at 31.1% vs ITUB's 26.5% — a key indicator of consistent wealth creation.
| Metric | IFSIntercorp Financi… | ITUBItaú Unibanco Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +14.3% | +14.3% |
| 1-Year ReturnPast 12 months | +39.4% | +44.4% |
| 3-Year ReturnCumulative with dividends | +125.5% | +102.5% |
| 5-Year ReturnCumulative with dividends | +121.2% | +149.0% |
| 10-Year ReturnCumulative with dividends | +60.3% | +188.7% |
| CAGR (3Y)Annualised 3-year return | +31.1% | +26.5% |
Evenly matched — IFS and ITUB each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — IFS and ITUB 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 ITUB's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | IFSIntercorp Financi… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.65x | 1.11x |
| 52-Week HighHighest price in past year | $52.91 | $9.60 |
| 52-Week LowLowest price in past year | $34.18 | $6.07 |
| % of 52W HighCurrent price vs 52-week peak | +84.8% | +85.2% |
| RSI (14)Momentum oscillator 0–100 | 43.7 | 42.4 |
| Avg Volume (50D)Average daily shares traded | 270K | 24.5M |
Evenly matched — IFS and ITUB each lead in 1 of 2 comparable metrics.
Analyst Outlook
ITUB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates IFS as "Buy" and ITUB as "Buy". Consensus price targets imply -22.0% upside for ITUB (target: $6) vs -32.0% for IFS (target: $31). For income investors, ITUB offers the higher dividend yield at 10.45% vs IFS's 2.41%.
| Metric | IFSIntercorp Financi… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $30.50 | $6.38 |
| # AnalystsCovering analysts | 4 | 12 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +10.4% |
| Dividend StreakConsecutive years of raises | 0 | 4 |
| Dividend / ShareAnnual DPS | $3.74 | $4.23 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +0.7% |
ITUB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
IFS leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). ITUB leads in 2 (Valuation Metrics, Analyst Outlook). 2 tied.
Best OverallIntercorp Financial Service… (IFS)Leads 2 of 6 categories
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IFS vs ITUB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is IFS or ITUB a better buy right now?
For growth investors, Itaú Unibanco Holding S.
A. (ITUB) is the stronger pick with 18. 0% revenue growth year-over-year, versus 0. 7% for Intercorp Financial Services Inc. (IFS). Itaú Unibanco Holding S. A. (ITUB) offers the better valuation at 10. 3x trailing P/E (1. 7x 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 ITUB?
On trailing P/E, Itaú Unibanco Holding S.
A. (ITUB) is the cheapest at 10. 3x versus Intercorp Financial Services Inc. at 13. 6x. On forward P/E, Itaú Unibanco Holding S. A. is actually cheaper at 1. 7x.
03Which is the better long-term investment — IFS or ITUB?
Over the past 5 years, Itaú Unibanco Holding S.
A. (ITUB) delivered a total return of +149. 0%, compared to +121. 2% for Intercorp Financial Services Inc. (IFS). Over 10 years, the gap is even starker: ITUB returned +188. 7% 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 ITUB?
By beta (market sensitivity over 5 years), Intercorp Financial Services Inc.
(IFS) is the lower-risk stock at 0. 65β versus Itaú Unibanco Holding S. A. 's 1. 11β — meaning ITUB is approximately 69% 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 5% for Itaú Unibanco Holding S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — IFS or ITUB?
By revenue growth (latest reported year), Itaú Unibanco Holding S.
A. (ITUB) is pulling ahead at 18. 0% 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 4. 0% for Itaú Unibanco Holding S. A.. 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 ITUB?
Intercorp Financial Services Inc.
(IFS) is the more profitable company, earning 14. 7% net margin versus 11. 7% for Itaú Unibanco Holding 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 13. 1% for ITUB. 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 ITUB more undervalued right now?
On forward earnings alone, Itaú Unibanco Holding S.
A. (ITUB) trades at 1. 7x forward P/E versus 2. 3x for Intercorp Financial Services Inc. — 0. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ITUB: -22. 0% to $6. 38.
08Which pays a better dividend — IFS or ITUB?
All stocks in this comparison pay dividends.
Itaú Unibanco Holding S. A. (ITUB) offers the highest yield at 10. 4%, versus 2. 4% for Intercorp Financial Services Inc. (IFS).
09Is IFS or ITUB 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%, ITUB: +188. 7%), 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 ITUB?
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; ITUB 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% · ITUB: 18.0%)Net Margin>
%
(IFS: 14.7% · ITUB: 11.7%)P/E Ratio<
x
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