GGAL (50) BMA (43) BBAR (43) NTB (67) ⌘ Pro Terminal →

Intercorp Financial Services Inc. (IFS) — RQD Stock Rating Cockpit

$47.06 -4.64% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.58

Intercorp Financial Services Inc. (IFS) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $5.45B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on IFS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is IFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Intercorp Financial Services Inc. (NYSE: IFS) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $47.06 (-4.64% 1D, market cap $5.45B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, IFS ranks #812 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does IFS compare to GGAL and BMA in the Financials sector?

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Within the Financials sector (Commercial Banks), IFS carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, GGAL (Grupo Financiero Galicia S.A.) holds a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $5.42B) and BMA (Banco Macro S.A. ADR (representing Ten ) (Class B)) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $3.92B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for IFS?

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For Intercorp Financial Services Inc. (IFS), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #812 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $46.58 (-1.03%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for IFS)Realized 20D OHLCV Swing Band: ±5.6%

Deterministic 5-Pillar Attribution (45/100 Composite)

🔍 WHY IFS SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (24% of score)

SEC XBRL Trailing 12 Months: 3.8% FCF Margin ($152.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$53.51+0.4% Next Q

Q2 (-2Q)

Grade C-$53.72-3.9% Next Q

Q3 (-1Q)

Grade D$51.65-8.9% Next Q

Current

Grade D$47.06-6.3% Hist 90D α

Trajectory: C- (53) → D (45)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a IFS Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While IFS currently carries a cautious 45/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($53.92) and Max Pain ($49.41) forces dealer call-delta covering toward $64.45.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $IFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “IFS Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 45%NO 55%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

35.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE38% OF RANGE

L: $38$47.06H: $61

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 14 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on IFS

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (35)

14/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like IFS

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring IFS)

✓Walkthrough of IFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

IFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.95%▼ SUPPORT BREAKDOWN

2026-11-02O $50.72H $50.72L $47.06C $47.06VOL 218.9K

RES: $53.70SUP: $51.22SMA50: $53.92SMA200: $51.85

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

IFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 IFS Butterfly Map → + Track IFS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on IFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for IFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for IFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (IFS)

Financials Rank #812 of 1096 ⚔️ GGAL vs IFS Full Matrix →

1. Head-to-Head Financials Peer Comparison (IFS vs. GGAL, BMA, BBAR, NTB)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Intercorp Financial Services Inc. (IFS) ranks #812 by composite RQD confidence (45/100, grade D) and #260 by equity capitalization ($5.45B). Within this direct 5-issuer industry benchmark cohort, NTB leads on earnings valuation at 9.9x trailing P/E, while NTB leads on capital efficiency and profitability with 20.3% ROIC and — gross margin. NTB currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with IFS at 45/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
IFS ACTIVE Intercorp Financial Services Inc.	D	45/100	—	—	—	-4.64%	$5.45B	Benchmark Subject
GGAL Grupo Financiero Galicia S.A.	D	50/100	32.8x	—	9.9%	-4.24%	$5.42B	/ggal-vs-ifs →
BMA Banco Macro S.A. ADR (representing Ten ) (Class B)	D-	43/100	—	—	—	-1.83%	$3.92B	/bma-vs-ifs →
BBAR Banco BBVA Argentina S.A. ADS	D-	43/100	—	—	—	-2.76%	$2.44B	/bbar-vs-ifs →
NTB Bank of N.T. Butterfield & Son Limited Voting	C+	67/100	9.9x	—	20.3%	-2.01%	$2.29B	/ntb-vs-ifs →

2. IFS Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Intercorp Financial Services Inc. (IFS) operates in Commercial Banks (Financials) with an equity capitalization of $5.45B, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. IFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is IFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does IFS compare to GGAL and BMA in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for IFS?

Where is IFS trading relative to its 50-day, 200-day, and 52-week technical levels?

IFS last traded at $47.06 (-4.64% on volume of 246,892 shares), positioning the stock -12.72% below its 50-day simple moving average ($53.92) and -9.24% below its 200-day simple moving average ($51.85). Across its 52-week range of $38.29 to $61.38, IFS sits at the 38.0% percentile with a 14-day RSI of 35.9 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($44.42 to $49.70).

IFS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell IFS stock right now?

Intercorp Financial Services Inc. (IFS) currently earns a Roarable Rating of D (Sell — SELL) with 45/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is IFS's 12-month price target and RQD AI Jury consensus?

IFS's 12-month base price target is $44.31 (range $34.56 to $64.45), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: IFS RQD Cockpit IFS 12M Forecast IFS Earnings & Move IFS Dividends & DRIP IFS Insiders & 13F IFS Whale Options IFS Profit Sankey IFS News & Why

ROARABLE RATING BRIEF • RQD 45/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

IFS — Intercorp Financial Services Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:11:09Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, IFS scores 45 out of 100, earning a D and the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are:

Fundamental Cash Engine: 11 / 20. Scored at ROIC 0% and FCF yield 0%. For a prospective investor, this pillar indicates the source data reports no measurable return on invested capital or free-cash-flow yield, leaving little cash-generation evidence to support the price.
Whale 13F Flow: 5 / 20. Reflects institutional accumulation and options positioning. A low score here suggests limited evidence of sustained institutional conviction in the source data.
Insider Conviction: 9 / 20. Reflects SEC Form 4 and Congressional PTR cluster flow. The score points to weak insider-conviction signals.
Macro Regime Fit: 7 / 20. Reflects Beta 1.0 and sector sensitivity. A beta of 1.0 means the stock is reported to move in line with the broader market, offering no defensive cushion or asymmetric upside from the macro lens used here.
Forensic Balance Sheet: 13 / 20. Reflects Altman Z 2.5, Piotroski F 6/9, and Debt/Equity 0.5. This is the strongest pillar, indicating a comparatively steadier balance sheet than the cash-flow and flow pillars.

Taken together, the rating frames IFS as a stock where the balance-sheet profile is the relative bright spot, while cash generation, institutional flow, and insider signals are weak. Valuation tradeoffs cannot be fully assessed because P/E and EV/EBITDA are not available in source data. Upside drivers are not identified in the source data beyond the balance-sheet pillar. This is an analytical summary, not personalized financial advice.

Recent Catalysts & News Wire Analysis

The news wire contains six items from Yahoo! Finance Canada, Yahoo Finance, TradingView, and MarketBeat, all tagged to IFS with a YELLOW light and MARKET WIRE impact label. Headlines include a general stock-quote page, an undervaluation question piece, a broker-estimates page, a report that the stock was down 3.4%, a value-investor comparison versus BX, and a report that the stock broke below its 200-day moving average. The wire does not provide fundamental details behind these items. Per the Butterfly Supply-Chain Graph, the supply chain is NONE, there are no butterfly links, and there are no proprietary signals. Risk watch items drawn from the wire are the sub-200-day-average break and the reported 3.4% decline; both are headline-level only. Per market data, the day's change was -2.7%.

Open Questions

What are IFS's reported revenue, operating income, and net income for recent periods, given that the financials section contains no data?
What are the trailing and forward earnings multiples, and how does the stock's valuation compare to peers?
What drove the ROIC and FCF yield readings of 0%, and are these measurement artifacts or true cash-generation gaps?
Who are the institutional holders and insiders, and what is the direction of their recent activity?
What is the consensus analyst rating and price target range?

IFS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Intercorp Financial Services Inc. (IFS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to IFS Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 8h ago

Intercorp Financial Services Inc. (IFS) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 11h ago

Are Investors Undervaluing Intercorp Financial Services (IFS) Right Now?

Yahoo Finance report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 14h ago

Intercorp Financial Services Inc. Estimates – NYSE:IFS

TradingView report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 17h ago

Intercorp Financial Services (NYSE:IFS) Stock Price Down 3.4% - Should You Sell?

MarketBeat report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 20h ago

IFS vs. BX: Which Stock Should Value Investors Buy Now?

Yahoo Finance report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 23h ago

Intercorp Financial Services (NYSE:IFS) Stock Breaks Below 200-Day Moving Average - Time to Sell?

MarketBeat report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

IFS vs. BX: Which Stock Is the Better Value Option?

Yahoo Finance report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Intercorp Financial Services (IFS) Set to Release Earnings on Monday

MarketBeat report covering Intercorp Financial Services Inc. (IFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

IFS Bull vs. Bear Conversation Board — What's Your Call at $47.06?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON IFS 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $43.43 (-12.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is IFS (D • RQD 45/100) a Buy at $49.35?

Welcome to the IFS (Intercorp Financial Services Inc.) Roar Pit. Current RQD Composite is 45/100 (Roarable Sell — Underperform / Distribution Warning) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $40.47 (-18.0%)

Spot @ $49.35

Pump the brakes on IFS — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on IFS, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Intercorp Financial Services Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $57.25 (+16.0%)

Spot @ $49.35

IFS cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on IFS, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $49.35 (52-wk range $38.29 - $61.38), any beat on forward guidance forces shorts and underweight funds to chase.