EPAM vs IFS

Comparison between EPAM Systems Inc (EPAM, Company) and Intercorp Financial Services Inc (IFS, Company).

EPAM is from the Technology sector, while IFS is from the Financial Services sector.

5-Year PerformanceIFS has outperformed EPAM, delivering a return of +17.3% compared to -26.1%

EPAM vs IFS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	EPAM(COMPANY)	IFS(COMPANY)
Market Cap	$5.50B	$5.49B
Max Drawdown	87.50%	59.47%
Sharpe Ratio	-1.16	1.24
5Y Beta	1.07	0.55
Industry	Information Technology Services	Banks - Regional
P/E Ratio	14.70	9.23
Forward P/E	7.09	N/A
PEG Ratio	N/A	0.21
Dividend Yield	N/A	7.32%
5Y Dividends CAGR	N/A	9.86%
5Y EPS CAGR	2.57%	23.86%
Debt to Equity	4.81%	112.48%
Free Cash Flow Yield	9.88%	18.34%

Market Cap

Winner

EPAM

$5.50B

IFS

$5.49B

Max Drawdown

EPAM

87.50%

Winner

IFS

59.47%

Sharpe Ratio

EPAM

-1.16

Winner

IFS

1.24

5Y Beta

EPAM

1.07

Winner

IFS

0.55

Industry

EPAM

Information Technology Services

IFS

Banks - Regional

P/E Ratio

EPAM

14.70

Winner

IFS

9.23

Forward P/E

EPAM

7.09

IFS

N/A

PEG Ratio

EPAM

N/A

IFS

0.21

Dividend Yield

EPAM

N/A

IFS

7.32%

5Y Dividends CAGR

EPAM

N/A

IFS

9.86%

5Y EPS CAGR

EPAM

2.57%

Winner

IFS

23.86%

Debt to Equity

Winner

EPAM

4.81%

IFS

112.48%

Free Cash Flow Yield

EPAM

9.88%

Winner

IFS

18.34%

EPAM vs IFS - Historical Returns

Returns include dividend reinvestment.

Period	EPAM	IFS
1 month	-20.96%	+4.84%
3 months	-24.92%	+1.85%
6 months	-41.64%	+31.29%
1 year	-43.92%	+42.31%
5 years(CAGR)	-26.08%	+17.26%
10 years(CAGR)	+3.68%	N/A
Max(CAGR)	+15.10%	+8.14%

EPAM

-20.96%

Winner

IFS

+4.84%

EPAM

-24.92%

Winner

IFS

+1.85%

EPAM

-41.64%

Winner

IFS

+31.29%

EPAM

-43.92%

Winner

IFS

+42.31%

5Y(CAGR)

EPAM

-26.08%

Winner

IFS

+17.26%

10Y(CAGR)

EPAM

+3.68%

IFS

N/A

Max(CAGR)

Winner

EPAM

+15.10%

IFS

+8.14%

EPAM vs IFS - Annual Returns (2012 - 2026)

Returns include dividend reinvestment.

Year	EPAM	IFS
2026	-47.99%	+21.62%
2025	-10.60%	+49.57%
2024	-19.71%	+40.50%
2023	-10.28%	-1.37%
2022	-48.97%	-6.09%
2021	+92.05%	-12.56%
2020	+65.67%	-18.00%
2019	+85.58%	-0.46%
2018	+7.02%	N/A
2017	+68.76%	N/A
2016	-14.40%	N/A
2015	+69.18%	N/A
2014	+37.29%	N/A
2013	+84.09%	N/A
2012	+29.29%	N/A

EPAM vs IFS Drawdown Comparison

The maximum drawdown for EPAM was -87.50%, occurring on May 14, 2026. This drawdown has not yet recovered.

The maximum drawdown for IFS was -55.16%, occurring on Aug 9, 2021. Recovery took 1293 trading sessions.

The current EPAM drawdown is -85.47%. The current IFS drawdown is -0.96%.

Rank	EPAM	IFS
#1	-87.50% Nov 8, 2021 - May 14, 2026	-55.16% Jan 23, 2020 - Mar 17, 2025
#2	-39.27% Apr 12, 2012 - Mar 6, 2013	-13.55% Mar 25, 2025 - Apr 28, 2025
#3	-33.28% Feb 19, 2020 - Jun 17, 2020	-13.40% Feb 10, 2026 - Apr 8, 2026
#4	-32.29% Feb 18, 2014 - Jun 6, 2014	-11.77% Apr 8, 2026 - May 1, 2026
#5	-30.91% Dec 8, 2015 - May 22, 2017	-11.72% Nov 6, 2025 - Jan 8, 2026
#6	-26.19% Aug 30, 2018 - Feb 1, 2019	-8.89% Sep 19, 2019 - Jan 17, 2020
#7	-18.35% Jun 9, 2014 - Oct 27, 2014	-7.01% Aug 8, 2019 - Sep 5, 2019
#8	-16.54% Oct 14, 2013 - Jan 21, 2014	-6.35% Jun 30, 2025 - Aug 12, 2025
#9	-15.35% Jul 26, 2019 - Nov 13, 2019	-6.12% Sep 11, 2025 - Oct 28, 2025
#10	-15.28% Feb 12, 2021 - Apr 5, 2021	-5.64% May 23, 2025 - Jun 12, 2025
#11	-12.59% Dec 9, 2014 - Feb 12, 2015	-4.82% Sep 5, 2019 - Sep 13, 2019
#12	-12.33% Sep 3, 2021 - Oct 22, 2021	-3.55% Aug 12, 2025 - Aug 22, 2025
#13	-11.89% Jan 26, 2018 - Mar 9, 2018	-3.38% Jun 12, 2025 - Jun 26, 2025
#14	-11.87% Oct 16, 2020 - Dec 22, 2020	-2.09% Aug 22, 2025 - Sep 2, 2025
#15	-11.84% Oct 9, 2015 - Dec 7, 2015	-1.82% Feb 2, 2026 - Feb 6, 2026

Correlation

Correlation between EPAM and IFS is -0.54 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.54

-101