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Intercorp Financial Services Inc. (IFS) vs Bank OZK (OZK)

Intercorp Financial Services Inc. and Bank OZK are both Banks Regional companies. Intercorp Financial Services Inc. and Bank OZK are of similar size ($5.6B and $5.6B). Bank OZK trades at the lower P/E: 8.6× against 13.8×. Intercorp Financial Services Inc. grew revenue faster over the last twelve months: 10.6% against −2.26%. Bank OZK has the higher net margin (24.1% vs 18.0%) and the higher return on invested capital (8.73% vs 0.00%). Across the 17 metrics below, Bank OZK leads on 12 and Intercorp Financial Services Inc. on 5.

Valuation

Metric IFS OZK Banks Regional median
P/E 13.76 8.57 12.02
P/S 2.44 2.05 2.36
P/B 1.39 0.96 1.23
Price to free cash flow 11.17 7.35 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.27% 11.67% 8.21%
Free cash flow yield 8.96% 13.60% 9.23%

Profitability

Metric IFS OZK Banks Regional median
Gross margin 65.45% 63.22% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.95% 24.10% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 11.40% 10.28%
Return on assets 0.00% 1.55% 1.13%
Return on invested capital 0.00% 8.73% 8.45%

Growth

Metric IFS OZK Banks Regional median
Revenue growth (TTM) 10.64% (2.26%) 6.37%
EPS growth (last fiscal year) 60.07% 0.65% 18.85%
Revenue growth, 5-year CAGR 15.71% 18.81% 12.65%
Net income growth, 5-year CAGR 37.67% 19.09% 9.81%

Health

Metric IFS OZK Banks Regional median
Debt to equity 0.59 0.20 0.17
Current ratio 1.10 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IFS OZK Banks Regional median
Dividend yield — 3.71% 2.49%
Payout ratio — 0.32 0.29

Size

Metric IFS OZK Banks Regional median
Market cap 5.60b 5.58b 934.85m

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