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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 ($5.7B and $5.6B). Intercorp Financial Services Inc. trades at the lower P/E: 13.8× against 14.3×. Intercorp Financial Services Inc. grew revenue faster over the last twelve months: 10.6% against −0.64%. Hancock Whitney Corporation has the higher net margin (20.5% vs 18.0%) and the higher return on invested capital (8.54% vs 0.00%). Across the 17 metrics below, Hancock Whitney Corporation leads on 9 and Intercorp Financial Services Inc. on 8.

Valuation

Metric HWC IFS Banks Regional median
P/E 14.25 13.76 12.02
P/S 2.88 2.44 2.36
P/B 1.36 1.39 1.23
Price to free cash flow 10.27 11.17 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.02% 7.27% 8.21%
Free cash flow yield 9.74% 8.96% 9.23%

Profitability

Metric HWC IFS Banks Regional median
Gross margin 75.22% 65.45% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.53% 17.95% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.42% 0.00% 10.28%
Return on assets 1.10% 0.00% 1.13%
Return on invested capital 8.54% 0.00% 8.45%

Growth

Metric HWC IFS Banks Regional median
Revenue growth (TTM) (0.64%) 10.64% 6.37%
EPS growth (last fiscal year) 7.39% 60.07% 18.85%
Revenue growth, 5-year CAGR 7.89% 15.71% 12.65%
Net income growth, 5-year CAGR 0.00% 37.67% 9.81%

Health

Metric HWC IFS Banks Regional median
Debt to equity 0.05 0.59 0.17
Current ratio 0.80 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWC IFS Banks Regional median
Dividend yield 2.73% — 2.49%
Payout ratio 0.39 — 0.29

Size

Metric HWC IFS Banks Regional median
Market cap 5.73b 5.60b 934.85m

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