Core Viewpoint - Intercorp Financial Services Inc. (IFS) is set to host its First Quarter 2025 earnings conference call on May 9, 2025, following the release of its financial results on May 8, 2025 [1][2]. Company Overview - Intercorp Financial Services Inc. is incorporated in Panama and has securities listed on both the Lima Stock Exchange and the New York Stock Exchange [4]. - IFS is a leading provider of financial services in Peru, with key subsidiaries including Interbank, Interseguro, and Inteligo [4]. - Interbank offers full-service banking to retail and commercial customers, while Interseguro specializes in insurance products, and Inteligo focuses on wealth management and brokerage services [4]. Conference Call Details - The conference call will feature presentations from key executives, including the CEO of IFS, the CFO, and CEOs of its major subsidiaries [2]. - Access to the conference call will be available via specific phone numbers for both U.S. and international participants, along with a live video webcast [2]. - A replay of the conference call will be accessible shortly after its conclusion on the company's website [2]. Quiet Period - IFS will enter a Quiet Period starting April 20, 2025, during which it will refrain from disclosing financial information or commenting on its financial results until after the earnings release [3].

Core Viewpoint - The article emphasizes the importance of value investing and highlights Intercorp Financial Services (IFS) as a strong value stock based on various valuation metrics [2][4][7] Valuation Metrics - IFS has a Zacks Rank of 2 (Buy) and an A for Value, indicating strong potential for value investors [4] - The current P/E ratio of IFS is 6.76, significantly lower than the industry average of 13.96, suggesting it may be undervalued [4] - The P/B ratio of IFS is 1.17, compared to the industry average of 2.87, further indicating solid valuation [5] - IFS's P/CF ratio stands at 7.53, which is attractive against the industry's average of 13.40, reinforcing the notion of undervaluation [6] Historical Performance - Over the past 52 weeks, IFS's Forward P/E has fluctuated between a high of 10.57 and a low of 5.61, with a median of 6.47 [4] - The P/B ratio for IFS has ranged from a high of 1.34 to a low of 0.89, with a median of 1.12 over the past 12 months [5] - The P/CF ratio has varied between a high of 8.71 and a low of 6.73, with a median of 7.74 in the last year [6] Conclusion - The combination of IFS's strong earnings outlook and favorable valuation metrics positions it as an impressive value stock currently [7]

Core Viewpoint - The article emphasizes the importance of identifying and maintaining trends in short-term investing, highlighting that sound fundamentals and positive earnings estimates are crucial for sustaining momentum in stock prices [1]. Group 1: Stock Screening and Selection - The "Recent Price Strength" screen is a unique short-term trading strategy that helps identify stocks with strong fundamentals capable of maintaining an uptrend [2]. - Intercorp Financial Services Inc. (IFS) is highlighted as a suitable candidate, having experienced a 15.7% price increase over the past 12 weeks, indicating investor confidence in its potential upside [3]. - A recent price increase of 4.5% over the last four weeks further confirms that the upward trend for IFS is still intact [4]. Group 2: Fundamental Strength Indicators - IFS holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, which are critical for near-term price movements [5]. - The Zacks Rank system has a strong track record, with Zacks Rank 1 stocks averaging a +25% annual return since 1988, indicating the effectiveness of this ranking system [6]. - The Average Broker Recommendation for IFS is 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [6]. Group 3: Market Strategy and Tools - The article suggests that IFS may continue its price trend without reversal, and encourages exploring other stocks that meet the "Recent Price Strength" criteria [7]. - Investors are advised to utilize various Zacks Premium Screens tailored to different investing styles to identify potential winning stocks [7]. - The Zacks Research Wizard is recommended for backtesting stock-picking strategies, providing tools to evaluate the effectiveness of past strategies [8].

Core Viewpoint - The article emphasizes the importance of identifying and maintaining stock price trends for successful short-term investing, highlighting the use of a specific screening strategy to find stocks with strong fundamentals and positive price momentum [1][2]. Group 1: Stock Performance - Intercorp Financial Services Inc. (IFS) has shown a solid price increase of 15.1% over the past 12 weeks, indicating strong investor interest [4]. - The stock has maintained a price increase of 1% over the last four weeks, suggesting that the upward trend is still intact [5]. - IFS is currently trading at 98.5% of its 52-week high-low range, indicating a potential breakout [5]. Group 2: Fundamental Strength - IFS holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. Group 3: Investment Strategy - The "Recent Price Strength" screen is a useful tool for identifying stocks with sufficient fundamental strength to sustain their recent uptrends [3]. - The article suggests that there are several other stocks that also meet the criteria of the "Recent Price Strength" screen, providing additional investment opportunities [8].

Group 1 - Intercorp Financial Services Inc. (IFS) has a Zacks Rank of 2 (Buy), indicating a stronger earnings outlook compared to Blackstone Inc. (BX), which has a Zacks Rank of 3 (Hold) [3] - Value investors typically utilize various metrics such as P/E ratio, P/S ratio, earnings yield, and cash flow per share to identify undervalued stocks [4] - IFS has a forward P/E ratio of 7.88, significantly lower than BX's forward P/E of 28.09, suggesting IFS may be undervalued [5] Group 2 - The PEG ratio for IFS is 0.33, indicating a favorable valuation in relation to its expected earnings growth, while BX has a PEG ratio of 1.07 [5] - IFS's P/B ratio is 1.30, compared to BX's P/B of 6.37, further highlighting IFS's relative undervaluation [6] - IFS has a Value grade of B, while BX has a Value grade of D, reinforcing the perception that IFS is the better investment option for value investors [6]

Core Insights - WEL Networks has selected Copperleaf Decision Analytics to enhance its Asset Investment Planning processes, aiming for improved capital expenditure optimization and alignment with long-term strategic goals, including ESG objectives [1][2]. Group 1: Company Overview - WEL Networks is a leading provider of innovative and sustainable energy solutions and electricity distribution services in New Zealand [1]. - The organization is community-owned and focuses on improving safety, customer experience, cost efficiency, and asset performance for the benefit of its communities [4]. Group 2: Implementation of Copperleaf Solution - The implementation of Copperleaf Decision Analytics will enable WEL Networks to achieve a faster and more efficient planning process, reducing planning cycle time from months to weeks [3]. - The solution will enhance decision-making transparency and allow WEL Networks to assess a broader range of multi-year investment scenarios with greater accuracy [3]. Group 3: Strategic Goals and Benefits - WEL Networks aims to align its critical infrastructure plans with its vision and strategic goals through the Copperleaf solution [2]. - The partnership with Copperleaf is expected to unlock improved capital expenditure management and accelerate the planning cycle, providing insights and traceability for more transparent decision-making [5].

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell even higher, with the expectation that established trends will continue [1] Company Overview: Intercorp Financial Services Inc. (IFS) - IFS currently holds a Momentum Style Score of B, indicating potential as a solid momentum pick [3][12] - The company has a Zacks Rank of 2 (Buy), which is associated with a strong track record of outperformance [4][12] Performance Metrics - IFS shares have increased by 9.2% over the past week, while the Zacks Financial - Miscellaneous Services industry remained flat [6] - Over the past month, IFS's price change is 14.79%, significantly outperforming the industry's 3.99% [6] - In the last quarter, IFS shares rose by 14.91%, and over the past year, they gained 36.93%, compared to the S&P 500's increases of 1.24% and 22.19%, respectively [7] Trading Volume - The average 20-day trading volume for IFS is 183,952 shares, which serves as a bullish indicator when combined with rising stock prices [8] Earnings Outlook - In the past two months, two earnings estimates for IFS have increased, while none have decreased, raising the consensus estimate from $4.16 to $4.23 [10] - For the next fiscal year, one estimate has moved upwards with no downward revisions [10]

Financial Data and Key Metrics Changes - The company achieved a net income of S/ 496 million in Q4 2024, representing a 71% increase year-over-year and a 26% increase compared to the previous quarter [32][37] - The return on equity (ROE) exceeded 18% in Q4 2024, marking a significant recovery from previous periods and aligning with mid-term targets [14][30] - The cost of risk decreased to 2.6%, which is 180 basis points lower than the previous year and 50 basis points lower than the previous quarter [33][51] Business Line Data and Key Metrics Changes - Interbank's net income nearly tripled year-over-year, driven by lower cost of risk and improved margins, achieving an ROE of 16% [38][41] - The Wealth Management segment, Inteligo, saw assets under management reach an all-time high, growing by 17% year-over-year [18][63] - The Insurance segment reported significant growth in individual life and annuities, maintaining market leadership in these areas [17][62] Market Data and Key Metrics Changes - Peru's GDP growth for Q4 2024 was approximately 3.7%, with expectations of continued growth driven by private investment and consumption [22][24] - The Central Bank of Peru has successfully controlled inflation, with expectations of a stable inflation rate around 2% for 2025 [23][25] - The banking sector is projected to grow at a rate of 5% to 7%, which is expected to be outpaced by the company's growth [121] Company Strategy and Development Direction - The company aims to achieve digital excellence and become a leading digital platform, focusing on profitable growth and enhancing customer relationships [19][30] - The strategy includes strengthening the commercial and payments ecosystem, which has led to increased market share in commercial banking [34][57] - The company is focused on maintaining a significant market share in consumer banking loans and retail deposits, with a goal of continued growth in these areas [31][56] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism for 2025, anticipating continued recovery in the consumer portfolio and private investments, while acknowledging potential volatility due to the pre-electoral year [12][80] - The company is focused on rebuilding the consumer loan book and improving efficiency, with expectations of a gradual recovery in net interest margins [108][126] - Management highlighted the importance of monitoring external economic conditions, particularly U.S. economic policy, which could impact the business environment [26][28] Other Important Information - The company has a buyback program approved for up to $100 million, with approximately $75 million already purchased [82] - The company expects to maintain capital ratios above 15% and core equity Tier 1 ratios above 11% [77] Q&A Session Summary Question: Fee income growth expectations for 2025 - Management expects fee income to grow between high single-digits and low double-digits, driven by recovery in personal fees and digital channels [90][91] Question: Variables to monitor for Wealth Management recovery - Key variables include inflation rates and portfolio performance, with expectations for normalization in returns during 2025 [95][96] Question: Effective tax rate expectations for 2025 - The effective tax rate is expected to be slightly higher in 2025 compared to 2024, influenced by the mix of income sources [92][93] Question: Plans for Tier 2 bonds and call options - The company plans to execute the call option on the 2030 Tier 2 bonds in July, following the recent bond issuance [101] Question: Guidance on ROE for 2025 - Management provided guidance for a 2025 ROE of around 16%, with potential for higher returns depending on the recovery of the consumer portfolio [78][104] Question: Competitive outlook in the banking sector - The company aims to continue gaining market share in a competitive landscape, with expectations of growing faster than the overall market [118][121]

Intercorp Financial Services Inc. (IFS) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #1 (Strong Buy). An upward trend in earnings estimates -- one of the most powerful forces impacting stock prices -- has triggered this rating change.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and follo ...

While the proven Zacks Rank places an emphasis on earnings estimates and estimate revisions to find strong stocks, we also know that investors tend to develop their own individual strategies. With this in mind, we are always looking at value, growth, and momentum trends to discover great companies.Of these, value investing is easily one of the most popular ways to find great stocks in any market environment. Value investors use a variety of methods, including tried-and-true valuation metrics, to find these ...