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Associated Banc-Corp (ASB) vs Intercorp Financial Services Inc. (IFS)

Associated Banc-Corp and Intercorp Financial Services Inc. are both Banks Regional companies. Intercorp Financial Services Inc. is the larger, with a market value of $6.3B against $5.5B — 1.2× the size. Associated Banc-Corp trades at the lower P/E: 10.1× against 15.9×. Associated Banc-Corp grew revenue faster over the last twelve months: 20.8% against 5.75%. Associated Banc-Corp has the higher net margin (19.1% vs 18.0%) and the higher return on invested capital (4.38% vs 0.00%). Across the 18 metrics below, Associated Banc-Corp leads on 13 and Intercorp Financial Services Inc. on 5.

Valuation

Metric ASB IFS Banks Regional median
P/E 10.06 15.87 11.98
P/S 2.12 2.82 2.34
P/B 1.00 1.61 1.19
Price to free cash flow 8.02 12.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.94% 6.30% 8.23%
Free cash flow yield 12.47% 7.76% 9.08%

Profitability

Metric ASB IFS Banks Regional median
Gross margin 62.64% 65.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.12% 17.95% 18.66%
Free cash flow margin 26.45% 0.00% 21.11%
Return on equity 9.80% 0.00% 10.65%
Return on assets 1.03% 0.00% 1.13%
Return on invested capital 4.38% 0.00% 8.35%

Growth

Metric ASB IFS Banks Regional median
Revenue growth (TTM) 20.78% 5.75% 6.98%
EPS growth (last fiscal year) 284.72% 60.07% 18.88%
Revenue growth, 5-year CAGR 11.50% 15.71% 12.38%
Net income growth, 5-year CAGR 9.83% 37.67% 9.71%

Health

Metric ASB IFS Banks Regional median
Debt to equity 0.92 0.59 0.22
Current ratio 0.93 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASB IFS Banks Regional median
Dividend yield 3.31% — 2.57%
Payout ratio 0.34 — 0.30

Size

Metric ASB IFS Banks Regional median
Market cap 5.45b 6.31b 913.33m

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