Intercorp Financial [IFS] vs UMB Financial [UMBF] Detailed Stock Comparison

Intercorp Financial

NYSE
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UMB Financial

NASDAQ
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Intercorp Financial wins in 12 metrics, UMB Financial wins in 5 metrics, with 0 ties. Intercorp Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricIntercorp FinancialUMB FinancialBetter
P/E Ratio (TTM)8.8513.53Intercorp Financial
Price-to-Book Ratio0.401.32Intercorp Financial
Debt-to-Equity Ratio1.300.51UMB Financial
PEG Ratio10.240.37UMB Financial
Profit Margin (TTM)35.56%27.11%Intercorp Financial
Operating Margin (TTM)47.07%46.33%Intercorp Financial
EBITDA Margin (TTM)47.07%46.33%Intercorp Financial
Return on Equity17.57%10.05%Intercorp Financial
Return on Assets (TTM)1.99%0.91%Intercorp Financial
Free Cash Flow (TTM)$737.92M$201.08MIntercorp Financial
Dividend YieldN/A1.81%N/A
1-Year Return46.70%8.62%Intercorp Financial
Price-to-Sales Ratio (TTM)0.864.65Intercorp Financial
Enterprise Value$1.51B$10.94BUMB Financial
EV/Revenue Ratio0.985.61Intercorp Financial
Revenue per Share (TTM)$47$33Intercorp Financial
Earnings per Share (Diluted)$4.63$8.83UMB Financial
Beta (Stock Volatility)0.920.74UMB Financial
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Intercorp Financial vs UMB Financial Stock Performance Analysis

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Intercorp Financial
UMB Financial
Intercorp Financial Stock Overview | UMB Financial Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Intercorp Financial-0.40%-0.32%-1.16%7.95%35.57%37.66%
UMB Financial-1.33%0.03%-5.73%8.65%36.69%5.90%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Intercorp Financial46.70%85.38%73.24%4.44%4.44%4.44%
UMB Financial8.62%33.91%111.71%132.91%234.53%270.32%

News Based Sentiment: Intercorp Financial vs UMB Financial

Intercorp Financial

News based Sentiment: MIXED

September presented a mixed bag for IFS, with initial positive momentum from analyst upgrades and rising stock prices offset by a significant single-day decline. Increased institutional investment provides a positive signal, but the valuation gap and recent volatility suggest caution is warranted. The upcoming Q3 earnings report will be a key catalyst.

View Intercorp Financial News Sentiment Analysis

UMB Financial

News based Sentiment: POSITIVE

UMB Financial experienced a remarkably strong month driven by exceptional Q2 earnings that significantly exceeded expectations. This positive performance fueled analyst upgrades, increased price targets, and a generally optimistic outlook, making it a significant positive development for investors. While insider selling is a minor concern, the overall narrative is strongly positive.

View UMB Financial News Sentiment Analysis

Performance & Financial Health Analysis: Intercorp Financial vs UMB Financial

MetricIFSUMBF
Market Information
Market Cap i$4.57B$9.16B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i224,760395,660
90 Day Avg. Volume i206,317492,787
Last Close$40.21$118.39
52 Week Range$25.77 - $42.21$82.00 - $129.94
% from 52W High-4.73%-8.89%
All-Time High$47.46 (Jul 15, 2019)$129.94 (Nov 25, 2024)
% from All-Time High-15.28%-8.89%
Growth Metrics
Quarterly Revenue Growth0.42%0.78%
Quarterly Earnings Growth1.03%1.15%
Financial Health
Profit Margin (TTM) i0.36%0.27%
Operating Margin (TTM) i0.47%0.46%
Return on Equity (TTM) i0.18%0.10%
Debt to Equity (MRQ) i1.300.51
Cash & Liquidity
Book Value per Share (MRQ)$102.41$90.63
Cash per Share (MRQ)$128.43$29.90
Operating Cash Flow (TTM) i$-626,706,331$705.18M
Levered Free Cash Flow (TTM) i$375.71M$441.24M
Dividends
Last 12-Month Dividend Yield iN/A1.81%
Last 12-Month Dividend i$0.00$1.99

Valuation & Enterprise Metrics Analysis: Intercorp Financial vs UMB Financial

MetricIFSUMBF
Price Ratios
P/E Ratio (TTM) i8.8513.53
Forward P/E i10.2412.95
PEG Ratio i10.240.37
Price to Sales (TTM) i0.864.65
Price to Book (MRQ) i0.401.32
Market Capitalization
Market Capitalization i$4.57B$9.16B
Enterprise Value i$1.51B$10.94B
Enterprise Value Metrics
Enterprise to Revenue i0.985.61
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.920.74
Book Value per Share (MRQ) i$102.41$90.63

Financial Statements Comparison: Intercorp Financial vs UMB Financial

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)IFSUMBF
Revenue/Sales i$519.38M$510.19M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$182.79M$93.05M
Income Tax i$36.73M$11.72M
Net Income (Profit) i$141.63M$81.33M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)IFSUMBF
Cash & Equivalents i$3.52B$10.73B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$2.68B$654.38M
Total Shareholders Equity i$3.31B$6.75B
Retained Earnings i$365.03M$3.22B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)IFSUMBF
Operating Cash Flow i$246.49M$360.37M
Capital Expenditures i$5.79M$-8.59M
Free Cash Flow i$-335.96M$354.20M
Debt Repayment i$-85.71M$-11.06M
Common Stock Repurchase i$-34.03M$-15.43M

Short Interest & Institutional Ownership Analysis

MetricIFSUMBF
Shares Short i317,9672.26M
Short Ratio i2.094.44
Short % of Float i0.01%0.04%
Average Daily Volume (10 Day) i224,760395,660
Average Daily Volume (90 Day) i206,317492,787
Shares Outstanding i32.74M48.81M
Float Shares i30.02M72.88M
% Held by Insiders i0.73%0.05%
% Held by Institutions i0.24%0.93%

Dividend Analysis & Yield Comparison: Intercorp Financial vs UMB Financial

MetricIFSUMBF
Last 12-Month Dividend i$0.00$1.99
Last 12-Month Dividend Yield iN/A1.81%
3-Year Avg Annual Dividend i$0.73$1.68
3-Year Avg Dividend Yield i4.98%0.45%
3-Year Total Dividends i$2.18$5.05
Ex-Dividend DateApr 17, 2024Sep 10, 2025