Value
8.9/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 9.3 |
| P/S | 9.7 |
| Fwd P/E | 9.7 |
| PEG | 10.0 |
| Analyst target | 6.0 |
- ▸Forward P/E: 7.1x
- ▸PEG: 0.19
- ▸Attractively valued
IFS · Why this verdict
Why Intercorp Financial Services In (IFS) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.6/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
5.4/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 6.0 |
| ROA | 1.4 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 5.9 |
| Piotroski F | 4.4 |
- ▸Strong margins: 36%
Growth
9.1/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 8.7 |
| EPS growth | 9.5 |
- ▸Strong growth: 25% YoY
Momentum
2.5/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.5 |
| MACD | 0.0 |
| OBV | 1.0 |
| MA position | 4.0 |
| Volume | 2.1 |
- ▸Volume distribution (falling OBV)
- ▸Above 200-day MA
Sentiment
5.7/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 8.1 |
| erm sentiment | 4.0 |
- ▸Analyst upside: 24%
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.0 |
- ▸Negligible insider selling — $10,746 (0.000% of mkt cap)
Peer rank
7.6/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 9.0 |
| quality rank | 8.4 |
| growth rank | 7.9 |
- ▸Attractive P/E vs peers
- ▸Superior ROE vs peers
Technical
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.6 |
| support resistance | 6.2 |
| 52w position | 8.2 |
Risk (lower is worse)
7.8/10data confidence 80%| Component | Sub-score |
|---|---|
| short interest | 9.3 |
| days to cover | 9.6 |
| volatility | 2.5 |
| beta | 9.7 |
Catalyst
6.1/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 3.5 |
| earnings history | 6.7 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| dividend safety | 5.2 |
- ▸Strong earnings: 3B/1M
- ▸Dividend: 382.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (6)
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:64d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:2.5<4.5
- ASYMMETRY:0.6<1.5@spot
Warning (0)
none
Reward-to-Risk
0.63
Upside
+5.1%
Downside
8.0%
Sizing output
AVOID
SetupRANGE_BOUND — RSI 55 mid-range, Bollinger mid-band
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: INSIDER:OK. Top dim: Growth at 9.1; weakest: Momentum at 2.5. No conviction either direction.
The strongest dimensions are Growth at 9.1, Value at 8.9, and Risk (lower is worse) at 7.8; the weakest are Momentum at 2.5, Insider at 5.0, and Quality at 5.4. The V9 engine flagged 2 failed gates, producing an asymmetric reward-to-risk of 0.63 and an engine sizing output of AVOID.