Comparing Fold (NASDAQ:FLD) and Intercorp Financial Services (NYSE:IFS)

Intercorp Financial Services (NYSE:IFS) and Fold (NASDAQ:FLD) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, profitability, risk, earnings, analyst recommendations, institutional ownership and valuation.

Earnings and Valuation

This table compares Intercorp Financial Services and Fold”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intercorp Financial Services	$1.67 billion	3.46	$542.25 million	$4.82	10.45
Fold	N/A	N/A	-$1.87 million	($0.75)	-1.99

Intercorp Financial Services has higher revenue and earnings than Fold. Fold is trading at a lower price-to-earnings ratio than Intercorp Financial Services, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Intercorp Financial Services has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, Fold has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500.

Insider & Institutional Ownership

56.9% of Fold shares are owned by institutional investors. 66.8% of Fold shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Intercorp Financial Services and Fold, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intercorp Financial Services	0	1	2	0	2.67
Fold	1	0	2	1	2.75

Intercorp Financial Services presently has a consensus target price of $48.00, indicating a potential downside of 4.71%. Fold has a consensus target price of $7.83, indicating a potential upside of 425.73%. Given Fold’s stronger consensus rating and higher possible upside, analysts plainly believe Fold is more favorable than Intercorp Financial Services.

Profitability

This table compares Intercorp Financial Services and Fold’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Intercorp Financial Services	28.74%	16.69%	2.01%
Fold	N/A	60.59%	26.06%

Summary

Fold beats Intercorp Financial Services on 7 of the 13 factors compared between the two stocks.

About Intercorp Financial Services

Intercorp Financial Services Inc., together with its subsidiaries, offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company provides loans, credit facilities, deposits, and current accounts; life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and brokerage and investment management services. It engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. The company was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.

About Fold

FTAC Emerald Acquisition Corp. does not have significant operations. It intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, and similar business combination with one or more businesses or assets operating in the clean/renewable energy, water sustainability, agricultural technology, shared economy software, and mobility sectors. The company was formerly known as Emerald ESG Acquisition Corp. FTAC Emerald Acquisition Corp. was incorporated in 2021 and is based in Philadelphia, Pennsylvania.