Zacks Investment ResearchT3·21h ago
IFS Intercorp Financial Services Inc.
XNYSStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
IFS
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Key stats
Related
About
- Industry (SIC)
- COMMERCIAL BANKS, NEC (6029) · industry map
- Exchange
- XNYS
- Market Cap
- $5.7B
- Employees
- 8,657
- List Date
- 2017-12-22
- CIK
- 0001615903
- Next Earnings
- 2026-11-09 (After-Close)
- EPS Forecast
- $1.46 (2 est.)
- Homepage
- https://www.ifs.com.pe
Intercorp Financial Services Inc is a provider of banking, insurance, wealth management services, and payments for retail customers and commercial clients in Peru. Its purpose is centered around building financial well-being together. The company has three operating business segments: Banking, mainly loans, credit facilities, deposits, and current accounts; Insurance provides life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and Wealth management provides brokerage and investment management services. Inteligo…
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 0.44% | 18.67% | 2.30% | 7.22% | 1.95% | 15.98% | 7.76% |
| Feb | 10.30% | 4.77% | -0.08% | 14.42% | 6.98% | -4.43% | 5.33% |
| Mar | -12.80% | 7.36% | -4.56% | -16.25% | 2.86% | 4.30% | -3.18% |
| Apr | -18.41% | -21.67% | -4.03% | -10.61% | 0.24% | -11.28% | -10.96% |
| May | 9.07% | 2.48% | -3.89% | 11.69% | 2.52% | 12.45% | 5.72% |
| Jun | -8.75% | -13.94% | 13.17% | -4.43% | 8.85% | 13.58% | 1.41% |
| Jul | -17.01% | 2.82% | -0.24% | 1.70% | -4.25% | -0.53% | -2.92% |
| Aug | 9.70% | -10.91% | -7.38% | 14.16% | 10.27% | -8.66% | 1.20% |
| Sep | 0.09% | -5.82% | -4.13% | 5.45% | 0.37% | -1.49% | -0.92% |
| Oct | 25.63% | 23.12% | -14.29% | 3.40% | 7.58% | -4.70%* | 6.79% |
| Nov | 2.04% | -3.94% | 2.90% | 1.95% | -5.36% | -- | -0.48% |
| Dec | 3.25% | -3.37% | 13.14% | 4.08% | 5.69% | -- | 4.56% |
| Total | -5.39% | -9.08% | -9.99% | 31.69% | 43.10% | 11.74% | 10.35% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $53.56
SMA 50: $54.40
SMA 200: $51.74
Current: $51.65
EMA 12: $53.06
EMA 26: $53.76
MACD: -0.6970 | Signal: -0.2130
BEARISH
ADX (14): 23.24
WEAK TREND
+DI: 11.32
−DI: 33.20
Momentum Oscillators
RSI (14): 35.33
NEUTRAL
Stoch %K: 26.86
Stoch %D: 33.74
Williams %R: -69.71
Volume & Volatility
BB Upper: $55.52
BB Lower: $51.60
NEUTRAL
OBV: 6,388,292
Vol SMA 20: 188,852
Vol ROC: 55.37%
ATR: $1.36
True Range: $1.59
HV 20: 25.1%
HV 30: 22.7%
HV 60: 21.1%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-10-28T00:00:00 – 2026-10-26T00:00:00
AI Analysis
LLM Stock Analysis Report: IFS
Executive Summary
Overall Assessment: NEUTRAL (Confidence Level: 6/10)
Key Drivers and Primary Risks:
- Technical indicators suggest a neutral trend, with the stock hovering around the middle Bollinger Band.
- Momentum signals are mixed, with RSI indicating a neutral range and MACD showing a bullish signal.
- News sentiment has been neutral overall, with no significant news driving the stock's price movement.
Investment Thesis: IFS is a financially stable company with a moderate volatility profile. The stock's recent sideways movement may be due to a lack of catalysts or market uncertainty. A breakout above the upper Bollinger Band could trigger a bullish move, while a breakdown below the lower band could lead to further consolidation.
Recent News Sentiment Impact: The neutral news sentiment has not had a significant impact on the stock's price movement, as there have been no major surprises or catalysts driving the stock up or down.
Technical Analysis
Trend Direction:
- Short-term (1-4 weeks): NEUTRAL
- Medium-term (1-3 months): NEUTRAL
- Long-term (3-12 months): BEARISH
Support/Resistance Levels: The middle Bollinger Band ($59.14) is the key support/resistance level, with the upper band ($60.81) providing potential resistance and the lower band ($57.46) serving as a potential floor.
Momentum Signals:
- RSI (14): 51.07 (neutral)
- MACD: 0.59 / Signal: -0.28 / Histogram: 0.87 (bullish)
Volume Analysis: The volume indicators suggest moderate interest from institutional investors, with the On-Balance Volume (OBV) and Volume Rate of Change showing steady, albeit modest, increases.
News & Sentiment Analysis
Recent Headlines Summary: The recent news headlines have been generally neutral, with no significant surprises or catalysts driving the stock's price movement.
Sentiment Assessment: Neutral sentiment prevails, with no major positive or negative news stories impacting the stock's price.
Catalyst Identification: There are no imminent catalysts that could drive a significant move in the stock's price.
Market Narrative: The market narrative is one of caution and uncertainty, which may be contributing to the stock's sideways movement.
Risk & Volatility Assessment
Beta Interpretation: IFS has a moderate risk profile, with a beta value of 0.72 indicating that the stock moves less than the broader market.
Volatility Regime: The stock is currently in a low-volatility regime, with historical volatility levels below average.
Options Market Signals: No options data available to analyze.
Downside Protection: The lower Bollinger Band ($57.46) provides potential support for any potential downside move.
Market Context & Positioning
Sector Performance: IFS has underperformed the broader market, with a relative strength index (RSI) of 0.62 indicating a decline in its performance over the past three months.
Institutional Activity: Moderate institutional interest is evident from the volume indicators, but this activity has not been sufficient to drive a significant price move.
Correlation Analysis: IFS has a low correlation with the broader market, as indicated by its R-squared value of 0.28.
Relative Valuation: The stock is trading within a relatively narrow range, suggesting that it may be overvalued or undervalued depending on the market context.
Key Levels & Action Items
Critical Price Levels:
- Upper Bollinger Band ($60.81)
- Middle Bollinger Band ($59.14)
- Lower Bollinger Band ($57.46)
Breakout/Breakdown Levels: A breakout above the upper band could trigger a bullish move, while a breakdown below the lower band could lead to further consolidation.
Time-Sensitive Catalysts: No imminent catalysts are apparent that could drive a significant price movement.
Risk Management: Stop-loss levels should be set around the middle Bollinger Band ($59.14) to manage potential downside risk. Position sizing considerations suggest maintaining a moderate position size given the stock's low volatility profile.
Generated
News
All IFS news →
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IFS Options Activity & IV Rank
Loading options activity...
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
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pts
EXTREME
ATM — / Wing —
30 DTE / 10d
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—
pts
EXTREME
ATM — / Wing —
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Enter a ticker to render the implied volatility surface.
Volatility Smile
Enter a ticker to render the implied volatility smile.
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
Risk Metrics
Beta: 0.6702
Alpha: 17.90%
Correlation: 0.2585
R-Squared: 6.7%
Stock Volatility: 33.0%
Market Volatility: 12.7%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own IFS
3 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Millennium Management Hedge fund Izzy Englander | $4.6M | #2103 of 3716 | -87.9% | 13F | |
| Point72 Hedge fund Steve Cohen | $4.5M | #1010 of 1945 | -3.8% | 13F | |
| Citadel Hedge fund Ken Griffin | $217K | #5410 of 6285 | -94.7% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
IFS Institutional Ownership (13F)
Latest filings — 2026-09-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
IFS Insider Trading (Form 4)
Latest: 2026-04-16Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-04-16 | Maria Guzman Hugo Antonio Santa | Director | Sell (S) | −225 | $47.76 | -$10.7K | EDGAR |
| 2007-08-31 | David Henderson Watts | Director | Disp (D) | −2,600 | — | EDGAR | |
| 2007-08-31 | Deborah C Lofton | Sr VP, General Counsel & Secy | Disp (D) | −3,450 | — | EDGAR | |
| 2007-08-31 | R Barry Sauder | VP, Corp. Ctrlr/Chf. Acct. Off | Disp (D) | −1,800 | — | EDGAR | |
| 2007-08-31 | John Michal Conaway | Director | Disp (D) | −5,000 | — | EDGAR | |
| 2007-08-31 | Paul M Daily | Pres/CEO, Infrs. Underground | Disp (D) | −7,600 | — | EDGAR | |
| 2007-08-31 | Terence R Montgomery | CFO & Senior Vice President | Disp (D) | −65,768 | — | EDGAR | |
| 2007-08-30 | Peter Walier | Exec. VP, Electric | Disp (D) | −50,000 opt | — | EDGAR | |
| 2007-08-30 | Richard S Siudek | Director | Disp (D) | −4,000 | — | EDGAR | |
| 2007-08-30 | Terry M Winter | Director | Disp (D) | −2,000 | — | EDGAR | |
| 2007-08-30 | John Michal Conaway | Director | Disp (D) | −13,356 | — | EDGAR | |
| 2007-08-30 | Frederick W Buckman | Director | Disp (D) | −19,913 opt | — | EDGAR | |
| 2007-08-30 | David R Helwig | CEO and President | Disp (D) | −415,318 | — | EDGAR | |
| 2007-08-30 | Lawrence P Coleman | Pres., Blair Park/Sunesys | Disp (D) | −13,547 | — | EDGAR | |
| 2007-08-30 | John A Brayman | Director | Disp (D) | −22,713 | — | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
IFS Board & Officers
As of SEC filings through Apr 16, 2026Directors 7
- Barros Ramon Guillermo Martinez · since Mar 18, 2026
- Gazzani Lucia Cayetana Aljovin · since Mar 18, 2026
- Guerinoni Felipe Federico Roy Morris · since Mar 18, 2026
- Lombardi Fernando Martin Zavala · since Mar 18, 2026
- Maria Guzman Hugo Antonio Santa · since Mar 18, 2026
- Persivale Carlos Tomas Rodriguez-Pastor · since Mar 18, 2026
- Zavala Alejandro Christian Sandoval · since Mar 18, 2026
Officers 3
- Lopez Torres Luis Felipe Castellanos · Chief Executive Officer · since Mar 18, 2026
- Ramat Michela Casassa · Chief Financial Officer · since Mar 18, 2026
- Villacorta Liliana Elcira Vera · Chief Accounting Officer · since Mar 18, 2026
Changes in the last 10 years (10)
| Mar 18, 2026 | Zavala Alejandro Christian Sandoval became a director |
| Mar 18, 2026 | Villacorta Liliana Elcira Vera became Chief Accounting Officer |
| Mar 18, 2026 | Ramat Michela Casassa became Chief Financial Officer |
| Mar 18, 2026 | Persivale Carlos Tomas Rodriguez-Pastor became a director |
| Mar 18, 2026 | Maria Guzman Hugo Antonio Santa became a director |
| Mar 18, 2026 | Lopez Torres Luis Felipe Castellanos became Chief Executive Officer |
| Mar 18, 2026 | Lombardi Fernando Martin Zavala became a director |
| Mar 18, 2026 | Guerinoni Felipe Federico Roy Morris became a director |
| Mar 18, 2026 | Gazzani Lucia Cayetana Aljovin became a director |
| Mar 18, 2026 | Barros Ramon Guillermo Martinez became a director |
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
16 ETFs hold IFS
16 shown · $50.22M total exposure · 0.02% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | IEMG iShares Core MSCI Emerging Markets ETF | iShares (BlackRock) | 0.01% | $19.8M | $148.2B | 2026-10-23 |
| 2 | EPU iShares MSCI Peru and Global Exposure ETF | iShares (BlackRock) | 2.84% | $14.7M | $520.6M | 2026-10-23 |
| 3 | VYM Vanguard High Dividend Yield ETF | Vanguard | 0.01% | $6.5M | — | 2026-09-30 |
| 4 | AVEM Avantis Emerging Markets Equity ETF | Avantis | 0.02% | $6.2M | $26.9B | 2026-10-23 |
| 5 | VT Vanguard Total World Stock ETF | Vanguard | 0.00% | $1.1M | — | 2026-09-30 |
| 6 | EEMS iShares MSCI Emerging Markets Small-Cap ETF | iShares (BlackRock) | 0.12% | $428,137 | $359.3M | 2026-10-23 |
| 7 | JEMA JPMorgan ActiveBuilders Emerging Markets Equity ETF | JPMorgan | 0.02% | $384,069 | $1.6B | 2026-10-26 |
| 8 | ESGV Vanguard ESG U.S. Stock ETF | Vanguard | 0.00% | $350,614 | — | 2026-10-23 |
| 9 | AVXC Avantis Emerging Markets ex-China Equity ETF | Avantis | 0.04% | $185,049 | $437.4M | 2026-10-23 |
| 10 | DFEM Dimensional Emerging Markets Core Equity 2 ETF | Dimensional | 0.00% | $156,237 | $8.9B | 2026-10-23 |
| 11 | DFAX Dimensional World ex US Core Equity 2 ETF | Dimensional | 0.00% | $134,784 | $12.1B | 2026-10-23 |
| 12 | DFAE Dimensional Emerging Core Equity Market ETF | Dimensional | 0.00% | $85,918 | $9.3B | 2026-10-23 |
| 13 | DFSE Dimensional Emerging Markets Sustainability Core 1 ETF | Dimensional | 0.01% | $73,584 | $593.0M | 2026-10-23 |
| 14 | AVSE Avantis Responsible Emerging Markets Equity ETF | Avantis | 0.03% | $66,278 | $212.9M | 2026-10-23 |
| 15 | NSI National Security Emerging Markets Index ETF | Nport | 0.10% | $42,602 | — | 2026-05-31 |
| 16 | DEXC Dimensional Emerging Markets ex China Core Equity ETF | Dimensional | 0.00% | $2,798 | $270.5M | 2026-10-23 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.