Central Bancompany (CBC) vs Intercorp Financial Services Inc. (IFS)

Central Bancompany and Intercorp Financial Services Inc. are both Banks Regional companies. Central Bancompany is the larger, with a market value of $7.7B against $6.5B — 1.2× the size. Intercorp Financial Services Inc. trades at the lower P/E: 16.4× against 17.7×. Central Bancompany has the higher net margin (33.4% vs 18.0%) and the higher return on invested capital (14.8% vs 0.00%). Across the 15 metrics below, Intercorp Financial Services Inc. leads on 9 and Central Bancompany on 6.

Valuation

Metric CBC IFS Banks Regional median
P/E 17.66 16.35 12.15
P/S 6.04 2.90 2.37
P/B 1.98 1.66 1.21
Price to free cash flow 15.81 13.27 10.80
EV/EBITDA n/m n/m —
EV/Sales 5.43 1.77 2.27
Earnings yield 5.66% 6.12% 8.11%
Free cash flow yield 6.33% 7.53% 8.98%

Profitability

Metric CBC IFS Banks Regional median
Gross margin 88.37% 65.45% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 33.37% 17.95% 18.66%
Free cash flow margin 38.21% 0.00% 21.18%
Return on equity 0.00% 0.00% 10.64%
Return on assets 4.18% 0.00% 1.13%
Return on invested capital 14.75% 0.00% 8.33%

Growth

Metric CBC IFS Banks Regional median
Revenue growth (TTM) — 5.75% 6.61%
EPS growth (last fiscal year) 26.24% 60.07% —
Revenue growth, 5-year CAGR — 15.71% 12.30%
Net income growth, 5-year CAGR — 37.67% 9.71%

Health

Metric CBC IFS Banks Regional median
Debt to equity 0.00 0.59 0.22
Current ratio 0.76 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBC IFS Banks Regional median
Dividend yield — 4.14% 3.75%
Payout ratio — 0.33 0.27

Size

Metric CBC IFS Banks Regional median
Market cap 7.66b 6.47b 921.07m

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