Intercorp Financial Services Inc. (IFS) Fair Value 2026

IFS · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.2 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Intercorp Financial Services Inc. (IFS) trades at $54.36, versus a $51.39 median fair value across its 5 active models — 5.5% below the current price. QOC: 8.2/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
IFS
Price
$54.36
Quality Score
8.2/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.2/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Intercorp Financial Services Inc. (IFS) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Intercorp Financial Services Inc. (IFS) appears fairly valued as of : the median of 5 independent fair value estimates is $51.39, within 5.5% of the current price of $54.36. Estimates range from $15.78 to $78.40. IFS scores 8.2/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. IFS’s -5.5% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Intercorp Financial Services Inc. Stock in 2026? →

What Fair Value Does Each Model Give IFS?

5 Intrinsic Value Models vs. Current Price ($54.36)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $41.93 -22.9%
Ensemble · Low Conviction
 $51.39 -5.5%
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What Is IFS's Fair Value Range?

Spread across 5 independent models · $15.78 to $78.40

CirclFi's 5 active models place Intercorp Financial Services Inc. (IFS) between $15.78 and $78.40 per share, a spread of 122% of the median. The median of that range — $51.39 — is the fair value CirclFi publishes for IFS, against a current price of $54.36.

Low · Markov DDMHigh · ML-RIV
$15.78median $51.39$78.40
Where the range comes from
Most bearish modelMarkov DDM$15.78
Most bullish modelML Residual Income$78.40
Model agreement2 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for IFS. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on IFS, not a CirclFi price target. How each model works →

What Is Intercorp Financial Services Inc. (IFS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Intercorp Financial Services Inc.'s intrinsic value is estimated at a median fair value of $51.39. Trading at $54.36, the stock is approaching fair value or slight overvaluation (implied return of -5.5%), as 3 of 5 models suggest limited further upside. Notably, ML-RIV sees the most upside at +44.2% (fair value: $78.40), while Markov DDM is the most conservative at -71.0% ($15.78). The spread between these extremes — +115.2% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About IFS?

5 of 13 models are currently active for IFS. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for IFS is $51.39 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does IFS Rank in Banks - Regional?

Among 349 Banks - Regional stocks, IFS ranks #123 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places IFS in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Intercorp Financial Services Inc.'s positioning within the Banks - Regional segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is IFS a Value Trap?

CirclFi's Value Trap algorithm assigns IFS a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Intercorp Financial Services Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Intercorp Financial Services Inc. scores 8.2 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +115.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every IFS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across IFS's 5 active models, average confidence is 22%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Intercorp Financial Services Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

NBBKNB Bancorp, Inc.QOC 8.2FBKFB Financial CorporationQOC 8.2PNCThe PNC Financial Services Group, Inc.QOC 8.2FMAOFarmers & Merchants Bancorp, Inc.QOC 8.2RRBIRed River Bancshares, Inc.QOC 8.2NWBINorthwest Bancshares, Inc.QOC 8.2NWGNatWest Group plcQOC 7.8CIBGrupo Cibest S.A.QOC 7.1SRCE1st Source CorporationQOC 8.6ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: NBBK · FBK · PNC · FMAO · RRBI · NWBI · NWG · CIB · SRCE · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to IFS?

6 companies across all industries closest to IFS’s Quality of Company score of 8.2/10.

XYFX FinancialQOC 8.2GATXGATX CorporationQOC 8.2CNXCNX Resources CorporationQOC 8.2TBPHTheravance Biopharma, Inc.QOC 8.2ROADConstruction Partners, Inc.QOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: XYF · GATX · CNX · TBPH · ROAD · NVDA

Where Does IFS Sit in CirclFi's Banks - Regional Rankings?

IFS is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Intercorp Financial Services Inc.’s Valuation?

What is Intercorp Financial Services Inc.'s intrinsic value in 2026?

CirclFi puts Intercorp Financial Services Inc. (IFS)'s intrinsic value at $51.39 — the median of 5 independent model estimates as of 2026-08-27, ranging from $15.78 to $78.40. The Quality of Company score is 8.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is IFS overvalued or undervalued right now?

At $54.36, 2 of 5 active models suggest IFS may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $51.39, within 5.5% of the current price of $54.36 — a consensus view that IFS is fairly valued. The assessment depends on which methodology best fits Intercorp Financial Services Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for IFS?

Intercorp Financial Services Inc.'s QOC of 8.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on IFS?

CirclFi analyzes IFS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on IFS?

Of the 5 models currently active on IFS, ML Residual Income is the most bullish at $78.40 per share, and Markov DDM is the most bearish at $15.78. CirclFi's published fair value for IFS is the median of that range, $51.39, not either extreme. The gap between the two ends equals 122% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is IFS a value trap in 2026?

Intercorp Financial Services Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Intercorp Financial Services Inc. (IFS) has a median fair value of $51.39 — within 5.5% of the current price of $54.36 — as of 2026-08-27.” Source: circlfi.com/stock/IFS/ · Methodology
Primary sources for this IFS valuation
  • Financial statements: Intercorp Financial Services Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001615903) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for IFS as of ; valuations recomputed .

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