Intercorp Financial Services (IFS) Competitors

Intercorp Financial Services (NYSE:IFS) and Credicorp (NYSE:BAP) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their community ranking, valuation, profitability, institutional ownership, media sentiment, earnings, dividends, risk and analyst recommendations.

Is IFS or BAP more profitable?

Intercorp Financial Services has a net margin of 21.03% compared to Credicorp's net margin of 20.94%. Credicorp's return on equity of 16.25% beat Intercorp Financial Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Intercorp Financial Services	21.03%	12.38%	1.38%
Credicorp	20.94%	16.25%	2.21%

Do analysts rate IFS or BAP?

Intercorp Financial Services currently has a consensus target price of $30.00, suggesting a potential downside of 5.45%. Credicorp has a consensus target price of $195.67, suggesting a potential upside of 9.00%. Given Credicorp's higher probable upside, analysts plainly believe Credicorp is more favorable than Intercorp Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intercorp Financial Services	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Credicorp	1 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00

Do insiders and institutionals have more ownership in IFS or BAP?

89.8% of Credicorp shares are held by institutional investors. 15.9% of Credicorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Which has preferable earnings and valuation, IFS or BAP?

Credicorp has higher revenue and earnings than Intercorp Financial Services. Credicorp is trading at a lower price-to-earnings ratio than Intercorp Financial Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intercorp Financial Services	$1.68B	2.16	$346.47M	$3.02	10.51
Credicorp	$7.00B	2.04	$1.47B	$18.39	9.76

Does the MarketBeat Community favor IFS or BAP?

Credicorp received 270 more outperform votes than Intercorp Financial Services when rated by MarketBeat users. Likewise, 62.58% of users gave Credicorp an outperform vote while only 56.16% of users gave Intercorp Financial Services an outperform vote.

Company	Underperform	Outperform
Intercorp Financial Services	Outperform Votes 41 56.16%	Underperform Votes 32 43.84%
Credicorp	Outperform Votes 311 62.58%	Underperform Votes 186 37.42%

Does the media prefer IFS or BAP?

In the previous week, Credicorp had 6 more articles in the media than Intercorp Financial Services. MarketBeat recorded 8 mentions for Credicorp and 2 mentions for Intercorp Financial Services. Credicorp's average media sentiment score of 1.38 beat Intercorp Financial Services' score of 0.67 indicating that Credicorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Intercorp Financial Services	0 Very Positive mention(s)	2 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Credicorp	7 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility & risk, IFS or BAP?

Intercorp Financial Services has a beta of 1.26, meaning that its stock price is 26% more volatile than the S&P 500. Comparatively, Credicorp has a beta of 1.12, meaning that its stock price is 12% more volatile than the S&P 500.

Is IFS or BAP a better dividend stock?

Intercorp Financial Services pays an annual dividend of $0.95 per share and has a dividend yield of 3.0%. Credicorp pays an annual dividend of $9.29 per share and has a dividend yield of 5.2%. Intercorp Financial Services pays out 31.5% of its earnings in the form of a dividend. Credicorp pays out 50.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Credicorp beats Intercorp Financial Services on 13 of the 19 factors compared between the two stocks.