Is IFS or MUFG more undervalued in 2026?

CirclFi compares Intercorp Financial Services In (IFS) and Mitsubishi UFJ Financial Group, (MUFG) using 13 institutional-grade valuation models. IFS has a Quality of Company score of 7.3/10 while MUFG scores 7.8/10.

Which is a better buy — IFS or MUFG?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do IFS and MUFG valuations compare?

IFS at $49.48 and MUFG at $18.71 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

IFS vs MUFG Valuation Comparison 2026 — Intrinsic Value Analysis

IFS

Commercial Banks, NEC

Intercorp Financial Services In

Quality

7.3

out of 10

Value Trap

SAFE

Price

$49.48

Last close

Models

12/13

Active

MUFG

Commercial Banks, NEC

Mitsubishi UFJ Financial Group,

Quality

7.8

out of 10

Value Trap

LOW

Price

$18.71

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	IFS Fair Value	IFS Upside	MUFG Fair Value	MUFG Upside
Bayesian DCF	Intrinsic	$77.73	+57.1%	—	—
Earnings Power Value	Intrinsic	$99.88	+101.9%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$91.22	+84.4%	$2.24	-88.0%
Markov DDM	Intrinsic	$19.78	-60.0%	$43.85	+134.4%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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IFS vs MUFG — Which Stock Is More Undervalued?

MUFG scores higher with a 7.8/10 quality rating vs IFS's 7.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Intercorp Financial Services In (IFS) and Mitsubishi UFJ Financial Group, (MUFG) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

IFS currently trades at $49.48 with a QOC of 7.3/10, while MUFG trades at $18.71 with a QOC of 7.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).