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Hancock Whitney Corporation (HWC) vs Intercorp Financial Services Inc. (IFS)

Hancock Whitney Corporation and Intercorp Financial Services Inc. are both Banks Regional companies. Hancock Whitney Corporation and Intercorp Financial Services Inc. are of similar size ($6.3B and $5.9B). Hancock Whitney Corporation trades at the lower P/E: 14.2× against 15.9×. Intercorp Financial Services Inc. grew revenue faster over the last twelve months: 5.75% against −3.07%. Hancock Whitney Corporation has the higher net margin (21.8% vs 18.0%) and the higher return on invested capital (9.50% vs 0.00%). Across the 18 metrics below, Hancock Whitney Corporation leads on 12 and Intercorp Financial Services Inc. on 6.

Valuation

Metric HWC IFS Banks Regional median
P/E 14.22 15.87 11.98
P/S 3.02 2.82 2.34
P/B 1.33 1.61 1.19
Price to free cash flow 10.57 12.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.03% 6.30% 8.23%
Free cash flow yield 9.46% 7.76% 9.08%

Profitability

Metric HWC IFS Banks Regional median
Gross margin 74.95% 65.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.83% 17.95% 18.66%
Free cash flow margin 28.56% 0.00% 21.11%
Return on equity 9.71% 0.00% 10.65%
Return on assets 1.20% 0.00% 1.13%
Return on invested capital 9.50% 0.00% 8.35%

Growth

Metric HWC IFS Banks Regional median
Revenue growth (TTM) (3.07%) 5.75% 6.98%
EPS growth (last fiscal year) 7.39% 60.07% 18.88%
Revenue growth, 5-year CAGR 7.89% 15.71% 12.38%
Net income growth, 5-year CAGR 0.00% 37.67% 9.71%

Health

Metric HWC IFS Banks Regional median
Debt to equity 0.04 0.59 0.22
Current ratio 0.82 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWC IFS Banks Regional median
Dividend yield 2.67% — 2.57%
Payout ratio 0.38 — 0.30

Size

Metric HWC IFS Banks Regional median
Market cap 5.86b 6.31b 913.33m

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