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Intercorp Financial Services Inc. (IFS) vs Valley National Bancorp (VLY)

Intercorp Financial Services Inc. and Valley National Bancorp are both Banks Regional companies. Valley National Bancorp is the larger, with a market value of $7.1B against $6.3B — 1.1× the size. Valley National Bancorp trades at the lower P/E: 10.6× against 15.9×. Intercorp Financial Services Inc. grew revenue faster over the last twelve months: 5.75% against 1.16%. Valley National Bancorp has the higher net margin (18.7% vs 18.0%) and the higher return on invested capital (5.61% vs 0.00%). Across the 18 metrics below, Valley National Bancorp leads on 13 and Intercorp Financial Services Inc. on 5.

Valuation

Metric IFS VLY Banks Regional median
P/E 15.87 10.57 11.98
P/S 2.82 1.97 2.34
P/B 1.61 0.93 1.19
Price to free cash flow 12.88 12.55 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.30% 9.46% 8.23%
Free cash flow yield 7.76% 7.97% 9.08%

Profitability

Metric IFS VLY Banks Regional median
Gross margin 65.45% 60.51% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.95% 18.66% 18.66%
Free cash flow margin 0.00% 15.72% 21.11%
Return on equity 0.00% 8.98% 10.65%
Return on assets 0.00% 1.03% 1.13%
Return on invested capital 0.00% 5.61% 8.35%

Growth

Metric IFS VLY Banks Regional median
Revenue growth (TTM) 5.75% 1.16% 6.98%
EPS growth (last fiscal year) 60.07% 46.38% 18.88%
Revenue growth, 5-year CAGR 15.71% 17.40% 12.38%
Net income growth, 5-year CAGR 37.67% 8.53% 9.71%

Health

Metric IFS VLY Banks Regional median
Debt to equity 0.59 0.34 0.22
Current ratio 1.10 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IFS VLY Banks Regional median
Dividend yield — 3.47% 2.57%
Payout ratio — 0.37 0.30

Size

Metric IFS VLY Banks Regional median
Market cap 6.31b 7.05b 913.33m

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