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Home BancShares, Inc. (HOMB) vs Intercorp Financial Services Inc. (IFS)

Home BancShares, Inc. and Intercorp Financial Services Inc. are both Banks Regional companies. Home BancShares, Inc. and Intercorp Financial Services Inc. are of similar size ($6.3B and $5.8B). Home BancShares, Inc. trades at the lower P/E: 12.0× against 15.9×. Intercorp Financial Services Inc. grew revenue faster over the last twelve months: 5.75% against 2.21%. Home BancShares, Inc. has the higher net margin (32.4% vs 18.0%) and the higher return on invested capital (9.54% vs 0.00%). Across the 17 metrics below, Home BancShares, Inc. leads on 9 and Intercorp Financial Services Inc. on 8.

Valuation

Metric HOMB IFS Banks Regional median
P/E 11.98 15.87 11.98
P/S 3.89 2.82 2.34
P/B 1.29 1.61 1.19
Price to free cash flow 13.28 12.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.35% 6.30% 8.23%
Free cash flow yield 7.53% 7.76% 9.08%

Profitability

Metric HOMB IFS Banks Regional median
Gross margin 75.51% 65.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 32.36% 17.95% 18.66%
Free cash flow margin 0.00% 0.00% 21.11%
Return on equity 11.10% 0.00% 10.65%
Return on assets 2.07% 0.00% 1.13%
Return on invested capital 9.54% 0.00% 8.35%

Growth

Metric HOMB IFS Banks Regional median
Revenue growth (TTM) 2.21% 5.75% 6.98%
EPS growth (last fiscal year) 19.90% 60.07% 18.88%
Revenue growth, 5-year CAGR 13.40% 15.71% 12.38%
Net income growth, 5-year CAGR 17.26% 37.67% 9.71%

Health

Metric HOMB IFS Banks Regional median
Debt to equity 0.12 0.59 0.22
Current ratio 0.92 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HOMB IFS Banks Regional median
Dividend yield 2.95% — 2.57%
Payout ratio 0.35 — 0.30

Size

Metric HOMB IFS Banks Regional median
Market cap 5.78b 6.31b 913.33m

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