ROARABLE
FREE $100K
Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / IFS / options
GGAL (50) BMA (44) BBAR (43) NTB (63) ⌘ Pro Terminal →

Intercorp Financial Services Inc. (IFS) Options Positioning, Max Pain & Unusual Sweeps

$46.55 -1.08% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.37

Intercorp Financial Services Inc. (IFS) carries a Roarable Rating of D (Sell) with 44/100 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.

ROARABLE D • SELL / AVOID Cap $5.20B
📤 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?
▼

As of 2026-11-03, Intercorp Financial Services Inc. (NYSE: IFS) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $46.55 (-1.08% 1D, market cap $5.20B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, IFS ranks #814 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?
▼

Within the Financials sector (Commercial Banks), IFS carries a Roarable D (44/100 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 $5.19B) and BMA (Banco Macro S.A. ADR (representing Ten ) (Class B)) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $3.85B). 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?
▼

For Intercorp Financial Services Inc. (IFS), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #814 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: $46.37 (-0.38%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (44/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.5% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510044
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
Cash (11)Whales (4)SEC (13)Macro (7)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-6.3% Base Target
$64 Bull$44 Base$34 Bear
📬 FREE IFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for IFS)Realized 20D OHLCV Swing Band: ±5.9%
Deterministic 5-Pillar Attribution (44/100 Composite)
🔍 WHY IFS SCORES 44/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (30% 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 (25% of score)

SEC XBRL Trailing 12 Months: 3.6% FCF Margin ($145.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$54.60-1.8% Next Q
Q2 (-2Q)
49
Grade D$53.59-5% Next Q
Q3 (-1Q)
47
Grade D$50.93-8.6% Next Q
Current
44
Grade D$46.55-6.5% Hist 90D α
Trajectory: C- (52) → D (44)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 44/100 (D) rating due to Whale & Options Positioning (4/20), 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 ($53.76) and Max Pain ($48.88) 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 44%NO 56%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±5.9%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (IFS)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for IFS.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →
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: +5.80%▼ SUPPORT BREAKDOWN
2026-11-03O $49.35H $49.35L $46.55C $46.55VOL 246.9K
RES: $53.83SUP: $51.19SMA50: $53.76SMA200: $51.86
$62.66$57.37$52.09$46.80$41.52RES $53.83SUP $51.19$46.552026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #814 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Intercorp Financial Services Inc. (IFS) ranks #814 by composite RQD confidence (44/100, grade D) and #266 by equity capitalization ($5.20B). 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 63/100 (C) compared with IFS at 44/100 (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 44/100 — — — -1.08% $5.20B Benchmark Subject
GGAL
Grupo Financiero Galicia S.A.
D 50/100 32.8x — 9.9% -2.54% $5.19B /ggal-vs-ifs →
BMA
Banco Macro S.A. ADR (representing Ten ) (Class B)
D 44/100 — — — -1.91% $3.85B /bma-vs-ifs →
BBAR
Banco BBVA Argentina S.A. ADS
D- 43/100 — — — -2.84% $2.37B /bbar-vs-ifs →
NTB
Bank of N.T. Butterfield & Son Limited Voting
C 63/100 9.9x — 20.3% +0.41% $2.25B /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 $5.20B, 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?

As of 2026-11-03, Intercorp Financial Services Inc. (NYSE: IFS) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $46.55 (-1.08% 1D, market cap $5.20B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, IFS ranks #814 in composite RQD confidence.

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

Within the Financials sector (Commercial Banks), IFS carries a Roarable D (44/100 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 $5.19B) and BMA (Banco Macro S.A. ADR (representing Ten ) (Class B)) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $3.85B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

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

For Intercorp Financial Services Inc. (IFS), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #814 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.

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

IFS last traded at $46.55 (-1.08% on volume of 185,567 shares), positioning the stock -13.41% below its 50-day simple moving average ($53.76) and -10.24% below its 200-day simple moving average ($51.86). Across its 52-week range of $38.29 to $61.38, IFS sits at the 35.8% percentile with a 14-day RSI of 29.6 (OVERSOLD (<32)) and an implied next-earnings move of ±5.9% ($43.80 to $49.30).

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 44/100 (D) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Intercorp Financial Services Inc. (IFS) earns a live Roarable RQD composite score of 44/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $46.55 (-1.08% 1D, market capitalization $5.20B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (IFS) is a NYSE-listed issuer in the Financials sector and Commercial Banks industry, with a market capitalization of $5.4B.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 44/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 4/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $38.29 – $61.38 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Commercial Banks (Financials), IFS carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can IFS sustain or expand its — operating margin and — ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $61.38 52-week high?
  • Key Question #3: How sensitive is IFS's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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

IFS Bull vs. Bear Conversation Board — What's Your Call at $46.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON IFS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on IFS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $58.83 (+25.0%)
📌 Pinned Debate

The forensic balance sheet pillar scores 13/20 with Altman Z 2.5, Piotroski F 6/9, and Debt/Equity 0.5, the strongest component of the

Don't sleep on IFS's setup in Financials. The forensic balance sheet pillar scores 13/20 with Altman Z 2.5, Piotroski F 6/9, and Debt/Equity 0.5, the strongest component of the rating.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (44/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

@RedlineAuditor Shorting a 4/20 institutional whale-flow stock at $47.06 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $39.53 (-16.0%)
Spot @ $47.06

Cash generation is absent with ROIC 0% and FCF yield 0%, and the stock carries an RQD verdict of Roarable Sell with an institutional fl

Here is the bear case nobody on the bull side wants to address on IFS: Cash generation is absent with ROIC 0% and FCF yield 0%, and the stock carries an RQD verdict of Roarable Sell with an institutional flow score of only 5/20.. At current EV/EBITDA multiples, even a small guidance miss in Commercial Banks triggers a 12-15% air pocket.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%