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Eastern Bankshares, Inc. (EBC) vs Intercorp Financial Services Inc. (IFS)

Eastern Bankshares, Inc. and Intercorp Financial Services Inc. are both Banks Regional companies. Eastern Bankshares, Inc. and Intercorp Financial Services Inc. are of similar size ($5.6B and $5.2B). Eastern Bankshares, Inc. trades at the lower P/E: 13.1× against 13.8×. Eastern Bankshares, Inc. grew revenue faster over the last twelve months: 61.0% against 10.6%. Eastern Bankshares, Inc. has the higher net margin (24.0% vs 18.0%) and the higher return on invested capital (7.66% vs 0.00%). Across the 17 metrics below, Eastern Bankshares, Inc. leads on 10 and Intercorp Financial Services Inc. on 7.

Valuation

Metric EBC IFS Banks Regional median
P/E 13.08 13.76 12.02
P/S 3.10 2.44 2.36
P/B 1.17 1.39 1.23
Price to free cash flow 12.75 11.17 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.64% 7.27% 8.21%
Free cash flow yield 7.84% 8.96% 9.23%

Profitability

Metric EBC IFS Banks Regional median
Gross margin 74.94% 65.45% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.04% 17.95% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.52% 0.00% 10.28%
Return on assets 1.33% 0.00% 1.13%
Return on invested capital 7.66% 0.00% 8.45%

Growth

Metric EBC IFS Banks Regional median
Revenue growth (TTM) 61.04% 10.64% 6.37%
EPS growth (last fiscal year) (34.85%) 60.07% 18.85%
Revenue growth, 5-year CAGR 12.33% 15.71% 12.65%
Net income growth, 5-year CAGR 31.15% 37.67% 9.81%

Health

Metric EBC IFS Banks Regional median
Debt to equity 0.00 0.59 0.17
Current ratio 0.89 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBC IFS Banks Regional median
Dividend yield 2.46% — 2.49%
Payout ratio 0.32 — 0.29

Size

Metric EBC IFS Banks Regional median
Market cap 5.19b 5.60b 934.85m

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