Definitive Analysis
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Definitive Analysis

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Intercorp Financial Services Inc. (IFS)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$144.59 - $216.69$178.78
Multi-Stage$299.63 - $330.09$314.56
Blended Fair Value$246.67
Current Price$134.97
Upside82.76%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS-8.17%-0.37%3.794.546.675.636.205.814.534.224.415.01
YoY Growth---16.49%-31.90%18.57%-9.22%6.69%28.15%7.34%-4.24%-11.93%27.20%
Dividend Yield--3.12%5.11%7.77%4.43%5.68%6.11%3.56%3.40%3.53%3.86%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)1,961.61
(-) Cash Dividends Paid (M)420.10
(=) Cash Retained (M)1,541.52
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)392.32245.20147.12
Cash Retained (M)1,541.521,541.521,541.52
(-) Cash Required (M)-392.32-245.20-147.12
(=) Excess Retained (M)1,149.201,296.321,394.40
(/) Shares Outstanding (M)112.65112.65112.65
(=) Excess Retained per Share10.2011.5112.38
LTM Dividend per Share3.733.733.73
(+) Excess Retained per Share10.2011.5112.38
(=) Adjusted Dividend13.9315.2416.11
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate-2.37%-1.37%-0.37%
Fair Value$144.59$178.78$216.69
Upside / Downside7.13%32.46%60.55%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)1,961.611,934.721,908.201,882.041,856.231,830.791,885.71
Payout Ratio21.42%35.13%48.85%62.57%76.28%90.00%92.50%
Projected Dividends (M)420.10679.72932.141,177.521,415.991,647.711,744.28

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate-2.37%-1.37%-0.37%
Year 1 PV (M)628.61635.05641.49
Year 2 PV (M)797.23813.65830.23
Year 3 PV (M)931.36960.28989.78
Year 4 PV (M)1,035.771,078.861,123.29
Year 5 PV (M)1,114.631,172.901,233.58
PV of Terminal Value (M)29,246.7630,775.6132,367.74
Equity Value (M)33,754.3735,436.3537,186.11
Shares Outstanding (M)112.65112.65112.65
Fair Value$299.63$314.56$330.09
Upside / Downside122.00%133.06%144.57%

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