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AXOS FINANCIAL, INC (AX) vs Intercorp Financial Services Inc. (IFS)

AXOS FINANCIAL, INC and Intercorp Financial Services Inc. are both Banks Regional companies. AXOS FINANCIAL, INC and Intercorp Financial Services Inc. are of similar size ($5.6B and $5.2B). AXOS FINANCIAL, INC trades at the lower P/E: 10.3× against 13.8×. AXOS FINANCIAL, INC grew revenue faster over the last twelve months: 17.7% against 10.6%. AXOS FINANCIAL, INC has the higher net margin (22.3% vs 18.0%) and the higher return on invested capital (17.2% vs 0.00%). Across the 18 metrics below, AXOS FINANCIAL, INC leads on 12 and Intercorp Financial Services Inc. on 6.

Valuation

Metric AX IFS Banks Regional median
P/E 10.34 13.76 12.02
P/S 2.31 2.44 2.36
P/B 1.60 1.39 1.23
Price to free cash flow 12.59 11.17 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.67% 7.27% 8.21%
Free cash flow yield 7.94% 8.96% 9.23%

Profitability

Metric AX IFS Banks Regional median
Gross margin 68.28% 65.45% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.33% 17.95% 18.82%
Free cash flow margin 18.36% 0.00% 17.97%
Return on equity 16.69% 0.00% 10.28%
Return on assets 1.74% 0.00% 1.13%
Return on invested capital 17.21% 0.00% 8.45%

Growth

Metric AX IFS Banks Regional median
Revenue growth (TTM) 17.68% 10.64% 6.37%
EPS growth (last fiscal year) 14.13% 60.07% 18.85%
Revenue growth, 5-year CAGR 24.82% 15.71% 12.65%
Net income growth, 5-year CAGR 17.87% 37.67% 9.81%

Health

Metric AX IFS Banks Regional median
Debt to equity 0.33 0.59 0.17
Current ratio 1.08 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AX IFS Banks Regional median
Dividend yield — — 2.49%
Payout ratio — — 0.29

Size

Metric AX IFS Banks Regional median
Market cap 5.24b 5.60b 934.85m

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