Head to Head Contrast: Fold (NASDAQ:FLD) & Intercorp Financial Services (NYSE:IFS)

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

Profitability

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

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

Insider and Institutional Ownership

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fold	N/A	N/A	-$1.87 million	($0.75)	-2.00
Intercorp Financial Services	$1.67 billion	3.39	$542.25 million	$4.82	10.24

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.

Volatility & Risk

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

Analyst Ratings

This is a summary of current recommendations and price targets for Fold and Intercorp Financial Services, as reported by MarketBeat.com.

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

Fold presently has a consensus price target of $7.83, suggesting a potential upside of 422.22%. Intercorp Financial Services has a consensus price target of $48.00, suggesting a potential downside of 2.77%. Given Fold’s stronger consensus rating and higher probable upside, analysts clearly believe Fold is more favorable than Intercorp Financial Services.

Summary

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

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.

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.