Core Insights - Intercorp Financial Services Inc. (IFS) is expected to report second-quarter 2025 results on August 11, with anticipated year-over-year earnings growth driven by higher revenues despite increased provisions for credit losses and expenses [1][10]. Revenue Factors - A significant portion of IFS's revenue comes from spread income, and a recent 25 basis point cut in Peru's benchmark interest rate to 4.50% is expected to support loan demand [3]. - The company is likely to have experienced a decline in deposit costs, contributing to an increase in net interest and similar income, as well as an expansion in net interest margin due to lower deposit repricing [4]. - Strong asset inflows from a decent equity market performance are expected to enhance IFS's assets under management, benefiting its wealth management operations and increasing net fee income from banking services and credit card activity [5][10]. Expense Factors - Higher salaries, employee benefits, and administrative expenses are anticipated to keep the expense base elevated, alongside increased costs related to the company's digitization efforts [6][10]. Earnings Expectations - The consensus estimate for IFS's earnings is $1.07 per share, reflecting a 62.1% increase from the previous year [2][10]. - The company's earnings surprise history shows it has surpassed the Zacks Consensus Estimate in four of the last five quarters, with an average beat of 17.26% [2]. Zacks Model Insights - The quantitative model indicates that IFS lacks the necessary combination of positive Earnings ESP and a Zacks Rank better than 3 (Hold) for a conclusive prediction of an earnings beat this time [7][8].

Core Viewpoint - Intercorp Financial Services Inc. (IFS) is set to host its Second Quarter 2025 earnings conference call on August 12, 2025, following the release of its financial results on August 11, 2025 [1][2]. Group 1: Earnings Conference Call Details - The conference call will feature key executives including Mr. Luis Felipe Castellanos (CEO), Ms. Michela Casassa (CFO), and other CEOs from its subsidiaries [2]. - The call can be accessed via specific phone numbers for both U.S. and international participants, with a dedicated conference ID [2]. - A live video webcast will be available, and a replay will be accessible shortly after the call concludes [2]. Group 2: Corporate Disclosure Policy - IFS will enter a Quiet Period starting July 20, 2025, which will last until the financial results are published, during which no financial information will be disclosed [3]. Group 3: Company Overview - Intercorp Financial Services Inc. is incorporated in Panama and listed on both the Lima Stock Exchange and the New York Stock Exchange [4]. - The company is a leading provider of financial services in Peru, with main subsidiaries including Interbank, Interseguro, and Inteligo [4]. - Interbank offers general banking services, Interseguro provides various insurance products, and Inteligo focuses on wealth management and brokerage services [4].

Core Viewpoint - Intercorp Financial Services (IFS) is highlighted as a strong investment opportunity with a Zacks Rank 1 (Strong Buy) and a notable increase in earnings estimates [1]. Company Summary - Intercorp Financial Services provides financial products and services and has seen a 2.6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1]. - The company has a price-to-earnings ratio (P/E) of 8.74, significantly lower than the industry average of 25, indicating strong value characteristics [1]. - Intercorp Financial Services possesses a Value Score of A, further emphasizing its attractiveness to investors [1].

Core Viewpoint - The article compares Intercorp Financial Services Inc. (IFS) and American Express (AXP) to determine which stock is more attractive to value investors [1]. Group 1: Company Rankings and Outlook - IFS currently holds a Zacks Rank of 2 (Buy), indicating a stronger earnings outlook compared to AXP, which has a Zacks Rank of 3 (Hold) [3]. - The improvement in earnings outlook for IFS is noted to be stronger than that of AXP [3]. Group 2: Valuation Metrics - IFS has a forward P/E ratio of 8.71, significantly lower than AXP's forward P/E of 20.86, suggesting that IFS may be undervalued [5]. - The PEG ratio for IFS is 0.35, while AXP's PEG ratio is 1.54, indicating that IFS has a better valuation relative to its expected earnings growth [5]. - IFS has a P/B ratio of 1.46 compared to AXP's P/B of 7.12, further supporting the notion that IFS is undervalued [6]. - These metrics contribute to IFS earning a Value grade of A, while AXP has a Value grade of C, making IFS a more attractive option for value investors [6].

Core Viewpoint - Intercorp Financial Services Inc. (IFS) has shown strong stock performance, with a 9.3% increase over the past month and a 28.9% rise since the beginning of the year, outperforming both the Zacks Finance sector and the Zacks Financial - Miscellaneous Services industry [1][2]. Performance Metrics - The stock reached a new 52-week high of $38.3 and has consistently beaten earnings estimates, reporting an EPS of $1.06 against a consensus estimate of $0.89 in its last earnings report [1][2]. - The company has a Zacks Rank of 2 (Buy), supported by favorable earnings estimate revisions from analysts [7][8]. Valuation Metrics - Intercorp Financial Services has a Value Score of A, a Growth Score of A, and a Momentum Score of F, resulting in a combined VGM Score of A [5][6]. - The stock trades at 8.7X current fiscal year EPS estimates, below the peer industry average of 11.6X, and has a PEG ratio of 0.35, indicating strong value potential [6]. Competitive Landscape - Pagaya Technologies Ltd. (PGY) is a notable peer, holding a Zacks Rank of 1 (Strong Buy) and showing strong earnings performance, with a 72.5% beat on consensus estimates last quarter [9][10]. - Despite the Financial - Miscellaneous Services industry ranking in the bottom 57% of all industries, both IFS and PGY exhibit positive growth prospects [11][12].

Core Viewpoint - Intercorp Financial Services Inc. (IFS) has been upgraded to a Zacks Rank 1 (Strong Buy), indicating a positive outlook on its earnings estimates, which is a significant factor influencing stock prices [1][4]. Earnings Estimates and Stock Ratings - The Zacks rating system is primarily based on a company's changing earnings picture, tracking the Zacks Consensus Estimate for EPS from sell-side analysts [2]. - The Zacks rating system is beneficial for investors as it focuses on objective earnings estimate revisions rather than subjective analyst ratings [3][10]. Impact of Earnings Estimates on Stock Prices - Changes in future earnings potential, reflected in earnings estimate revisions, are strongly correlated with near-term stock price movements [5][7]. - Rising earnings estimates for Intercorp Financial Services suggest an improvement in the company's underlying business, which could lead to higher stock prices [6][11]. Performance of Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [8]. - The upgrade of Intercorp Financial Services to Zacks Rank 1 places it in the top 5% of Zacks-covered stocks, indicating a strong potential for market-beating returns [10][11]. Recent Earnings Estimate Revisions - For the fiscal year ending December 2025, Intercorp Financial Services is expected to earn $4.34 per share, with no year-over-year change, but the Zacks Consensus Estimate has increased by 2.6% over the past three months [9].

Core Viewpoint - The comparison between Intercorp Financial Services Inc. (IFS) and American Express (AXP) indicates that IFS presents a better value opportunity for investors at this time [1]. Group 1: Zacks Rank and Earnings Outlook - IFS has a Zacks Rank of 2 (Buy), while AXP has a Zacks Rank of 3 (Hold), suggesting a more favorable earnings outlook for IFS [3]. - The Zacks Rank system emphasizes companies with positive earnings estimate revisions, indicating that IFS is likely experiencing a more significant improvement in its earnings outlook compared to AXP [3]. Group 2: Valuation Metrics - IFS has a forward P/E ratio of 8.51, significantly lower than AXP's forward P/E of 19.60, indicating that IFS may be undervalued relative to AXP [5]. - The PEG ratio for IFS is 0.35, while AXP's PEG ratio is 1.45, further suggesting that IFS is a more attractive investment based on expected earnings growth [5]. - IFS has a P/B ratio of 1.43 compared to AXP's P/B of 6.69, reinforcing the notion that IFS is undervalued [6]. - These valuation metrics contribute to IFS earning a Value grade of A, while AXP has a Value grade of C, highlighting IFS as the superior value option [6].

Company Performance - Intercorp Financial Services Inc. (IFS) shares have increased by 3% over the past month and reached a new 52-week high of $37.36, with a year-to-date gain of 26% compared to the Zacks Finance sector's 5.8% and the Financial - Miscellaneous Services industry's -4.3% return [1] - The company has consistently exceeded earnings expectations, reporting EPS of $1.06 against a consensus estimate of $0.89 in its last earnings report on May 8, 2025 [2] Valuation Metrics - IFS trades at 8.5X current fiscal year EPS estimates, below the peer industry average of 11.2X, and at 9.3X trailing cash flow compared to the peer group's average of 11.1X [6] - The stock has a PEG ratio of 0.35, indicating it is not among the top stocks from a value perspective [6] Zacks Rank and Style Scores - IFS holds a Zacks Rank of 2 (Buy) due to favorable earnings estimate revisions from analysts [7] - The company has a Value Score of A, a Growth Score of A, and a Momentum Score of C, resulting in a combined VGM Score of A [5][8] Industry Comparison - Pagaya Technologies Ltd. (PGY) is a notable peer with a Zacks Rank of 1 (Strong Buy) and has shown strong earnings performance, beating consensus estimates by 72.50% last quarter [9][10] - Despite the Financial - Miscellaneous Services industry ranking in the bottom 55% of all industries, both IFS and PGY exhibit positive fundamental conditions and potential tailwinds [11]

Core Viewpoint - Intercorp Financial Services Inc. (IFS) is currently positioned as a more attractive investment option compared to American Express (AXP) for value investors, based on earnings estimate revisions and valuation metrics [1][3][7]. Valuation Metrics - IFS has a forward P/E ratio of 8.35, significantly lower than AXP's forward P/E of 19.35, indicating that IFS may be undervalued [5]. - The PEG ratio for IFS is 0.34, while AXP's PEG ratio stands at 1.43, suggesting that IFS has better growth potential relative to its valuation [5]. - IFS's P/B ratio is 1.40, compared to AXP's P/B of 6.60, further highlighting IFS's relative undervaluation [6]. Analyst Outlook - IFS holds a Zacks Rank of 2 (Buy), indicating a positive earnings estimate revision trend, while AXP has a Zacks Rank of 3 (Hold), suggesting a less favorable outlook [3][7]. - The stronger estimate revision activity for IFS supports a more optimistic analyst outlook compared to AXP [7].

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell 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 A, indicating strong momentum potential [3] - The company has a Zacks Rank of 2 (Buy), suggesting it is positioned for outperformance in the market [4] Performance Metrics - Over the past week, IFS shares increased by 3.84%, outperforming the Zacks Financial - Miscellaneous Services industry, which rose by 2.09% [6] - In the last month, IFS shares rose by 13.23%, while the industry saw a 15.1% increase [6] - Over the past quarter, IFS shares have risen by 12.45%, and over the last year, they have increased by 53.4%, compared to the S&P 500's performance of -2.26% and 13.85% respectively [7] Trading Volume - IFS has an average 20-day trading volume of 221,476 shares, which is a useful indicator for assessing price movements [8] Earnings Outlook - In the past two months, one earnings estimate for IFS has increased, while none have decreased, raising the consensus estimate from $4.23 to $4.29 [10] - For the next fiscal year, one estimate has also moved upwards with no downward revisions [10] Conclusion - Given the strong performance metrics and positive earnings outlook, IFS is identified as a promising momentum pick with a Momentum Score of A and a Zacks Rank of 2 (Buy) [12]