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Intercorp Financial Services Inc. (IFS) vs United Bankshares, Inc. (UBSI)

Intercorp Financial Services Inc. and United Bankshares, Inc. are both Banks Regional companies. Intercorp Financial Services Inc. and United Bankshares, Inc. are of similar size ($6.4B and $6.3B). United Bankshares, Inc. trades at the lower P/E: 12.7× against 15.9×. United Bankshares, Inc. grew revenue faster over the last twelve months: 7.97% against 5.75%. United Bankshares, Inc. has the higher net margin (28.0% vs 18.0%) and the higher return on invested capital (10.2% vs 0.00%). Across the 18 metrics below, United Bankshares, Inc. leads on 13 and Intercorp Financial Services Inc. on 5.

Valuation

Metric IFS UBSI Banks Regional median
P/E 15.87 12.69 11.98
P/S 2.82 3.50 2.34
P/B 1.61 1.17 1.19
Price to free cash flow 12.88 11.77 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.30% 7.88% 8.23%
Free cash flow yield 7.76% 8.50% 9.08%

Profitability

Metric IFS UBSI Banks Regional median
Gross margin 65.45% 69.61% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.95% 27.97% 18.66%
Free cash flow margin 0.00% 29.05% 21.11%
Return on equity 0.00% 9.47% 10.65%
Return on assets 0.00% 1.55% 1.13%
Return on invested capital 0.00% 10.17% 8.35%

Growth

Metric IFS UBSI Banks Regional median
Revenue growth (TTM) 5.75% 7.97% 6.98%
EPS growth (last fiscal year) 60.07% 18.91% 18.88%
Revenue growth, 5-year CAGR 15.71% 9.57% 12.38%
Net income growth, 5-year CAGR 37.67% 9.96% 9.71%

Health

Metric IFS UBSI Banks Regional median
Debt to equity 0.59 0.10 0.22
Current ratio 1.10 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IFS UBSI Banks Regional median
Dividend yield — 3.26% 2.57%
Payout ratio — 0.41 0.30

Size

Metric IFS UBSI Banks Regional median
Market cap 6.31b 6.35b 913.33m

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