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The Screen · Financials · Banks - Regional
Intercorp Financial Services Inc.
IFS · the NYSE · USD · Market cap $5.9B · 9,229 employees
Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru.
FAIL · Does not pass the screen
51.82 USD
Price as of 23 Oct 2026Daily close, not a live quoteLast reviewed 6 days ago
Screened 2026-10-23 · the tape above runs as of 07:18 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price51.82 USD at the 23 Oct 2026 close
Ethical screenDoes not pass
Last reviewed23 Oct 2026 (6 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 51.82 against the desk's fair-value range, base estimate 72.71, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price51.82 USD
Fair value72.71
Ethical score30.0/100
Our investment reviews on this name
2026-10-26Read Distribution53.72-3.5% to today ✓Markdown gives way to Distribution
2026-10-11Read Markdown54.56-5.0% to today ✓Accumulation gives way to Markdown
2026-10-02Read Accumulation54.56-5.0% to today Distribution gives way to Accumulation
2026-09-01Read Distribution54.98-5.7% to today ✓Markup gives way to Distribution with volume flow in agreement
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Intercorp Financial Services Inc. holds its Distribution at $51.82. Consolidating, no directional conviction, held for 48 days.
As held on the ledger · 2026-10-23
Phase
Distribution · caution
Quantitative state
Consolidating, no directional conviction, held for 48 days
Price at the screen
$51.82
Valuation
9.97 trailing · 8.11 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.42
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Intercorp Financial Services does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when IFS's ethical verdict changes
Today IFS does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 40.3% margin of safety to the base estimate.
Third-party analyst targets: 3 covering, consensus None. The average target sits +25% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Peruvian Bank Looks Cheap But Ethics Block It
Every time a shop owner in Lima needs credit or a family buys life cover, the cash moves through local banks that still dominate Peru's financial system. Intercorp Financial Services sits right in that flow, offering loans, deposits, insurance and wealth products with revenue up 25 percent and a 36 percent profit margin. On paper the 9 times forward earnings and 18 percent ROE look attractive next to the $59 share price.
We are staying away, for one reason that has nothing to do with the numbers. The ethical screen flags the entire bank sector as prohibited, so the opportunity rating stays at none regardless of the 25 percent margin of safety to our internal fair value. Analyst targets sit near $66, yet that is irrelevant once the screen is triggered.
Currency swings, political noise and credit cycles in emerging markets would add real risk even if the ethics allowed it. This is exactly what the screen is for. Analysis, not advice.
The risks · The things to watch: its business and earnings are exposed to Peru and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
IFS trades on the NYSE (the company is based in Peru). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 1.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 56%. Our forward projection puts the odds of a 10% gain over the next month near 31%. The street (3 analysts) rates it strong buy, with a mean price target of $59.
2026-10-11Markdown · changed$54.56+0.0%Entry 7
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 15% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 56%. Our forward projection puts the odds of a 10% gain over the next month near 31%. The street (3 analysts) rates it strong buy, with a mean price target of $59.
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 15% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 56%. Our forward projection puts the odds of a 10% gain over the next month near 31%. The street (3 analysts) rates it strong buy, with a mean price target of $59.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 5.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 15% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 56%. Our forward projection puts the odds of a 10% gain over the next month near 31%. The street (3 analysts) rates it strong buy, with a mean price target of $59.
2026-08-02Markup$58.31+2.6%Entry 4
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 2.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 15% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 56%. Our forward projection puts the odds of a 10% gain over the next month near 31%. The street (3 analysts) rates it strong buy, with a mean price target of $59.
2026-07-18Markup$56.85+0.0%Entry 3
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 15% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 56%. Our forward projection puts the odds of a 10% gain over the next month near 31%. The street (3 analysts) rates it strong buy, with a mean price target of $59.
2026-07-03Markup$56.85+0.0%Entry 2
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$56.85Entry 1
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
