IFS vs TERN

Comparison between Intercorp Financial Services Inc (IFS, Company) and Terns Pharmaceuticals Inc (TERN, Company).

IFS is from the Financial Services sector, while TERN is from the Healthcare sector.

5-Year PerformanceTERN has outperformed IFS, delivering a return of +25.4% compared to +22.5%

IFS vs TERN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	IFS(COMPANY)	TERN(COMPANY)
Market Cap	$5.94B	$5.95B
Max Drawdown	59.47%	94.50%
Sharpe Ratio	1.51	3.07
5Y Beta	0.54	N/A
Industry	Banks - Regional	Biotechnology
P/E Ratio	10.00	-50.88
PEG Ratio	0.23	N/A
Dividend Yield	11.00%	N/A
5Y Dividends CAGR	9.86%	N/A
5Y EPS CAGR	23.86%	N/A
Debt to Equity	112.48%	0.00%
Free Cash Flow Yield	7.62%	-1.38%
P/S Ratio	1.02	N/A
P/B Ratio	1.68	N/A

Market Cap

IFS

$5.94B

Winner

TERN

$5.95B

Max Drawdown

Winner

IFS

59.47%

TERN

94.50%

Sharpe Ratio

IFS

1.51

Winner

TERN

3.07

5Y Beta

IFS

0.54

TERN

N/A

Industry

IFS

Banks - Regional

TERN

Biotechnology

P/E Ratio

IFS

10.00

Winner

TERN

-50.88

PEG Ratio

IFS

0.23

TERN

N/A

Dividend Yield

IFS

11.00%

TERN

N/A

5Y Dividends CAGR

IFS

9.86%

TERN

N/A

5Y EPS CAGR

IFS

23.86%

TERN

N/A

Debt to Equity

IFS

112.48%

Winner

TERN

0.00%

Free Cash Flow Yield

Winner

IFS

7.62%

TERN

-1.38%

P/S Ratio

IFS

1.02

TERN

N/A

P/B Ratio

IFS

1.68

TERN

N/A

IFS vs TERN - Historical Returns

Returns include dividend reinvestment.

Period	IFS	TERN
1 month	+21.83%	+0.32%
3 months	+23.10%	+49.83%
6 months	+36.72%	+191.09%
1 year	+57.27%	+1504.55%
5 years(CAGR)	+22.49%	+25.44%
Max(CAGR)	+9.66%	+22.35%

Winner

IFS

+21.83%

TERN

+0.32%

IFS

+23.10%

Winner

TERN

+49.83%

IFS

+36.72%

Winner

TERN

+191.09%

IFS

+57.27%

Winner

TERN

+1504.55%

5Y(CAGR)

IFS

+22.49%

Winner

TERN

+25.44%

Max(CAGR)

IFS

+9.66%

Winner

TERN

+22.35%

IFS vs TERN - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	IFS	TERN
2026	+34.55%	+32.01%
2025	+49.57%	+612.52%
2024	+40.50%	-14.51%
2023	-1.37%	-26.08%
2022	-6.09%	+51.94%
2021	-12.56%	-61.56%
2020	-18.00%	N/A
2019	-0.46%	N/A

IFS vs TERN Drawdown Comparison

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

The maximum drawdown for TERN was -94.50%, occurring on May 11, 2022. Recovery took 1173 trading sessions.

The current IFS drawdown is -3.89%. The current TERN drawdown is -0.41%.

Rank	IFS	TERN
#1	-55.16% Jan 23, 2020 - Mar 17, 2025	-94.50% Mar 19, 2021 - Nov 18, 2025
#2	-13.55% Mar 25, 2025 - Apr 28, 2025	-32.02% Mar 3, 2021 - Mar 12, 2021
#3	-13.40% Feb 10, 2026 - Apr 8, 2026	-27.56% Dec 11, 2025 - Mar 18, 2026
#4	-11.77% Apr 8, 2026 - May 21, 2026	-16.13% Feb 10, 2021 - Feb 24, 2021
#5	-11.72% Nov 6, 2025 - Jan 8, 2026	-12.11% Nov 25, 2025 - Dec 5, 2025
#6	-8.89% Sep 19, 2019 - Jan 17, 2020	-5.26% Nov 18, 2025 - Nov 24, 2025
#7	-7.01% Aug 8, 2019 - Sep 5, 2019	-4.09% Mar 12, 2021 - Mar 18, 2021
#8	-6.79% May 21, 2026 - Jun 9, 2026	-2.27% Mar 1, 2021 - Mar 3, 2021
#9	-6.35% Jun 30, 2025 - Aug 12, 2025	-1.26% Mar 19, 2026 - Mar 23, 2026
#10	-6.12% Sep 11, 2025 - Oct 28, 2025	-1.15% Mar 26, 2026 - Apr 9, 2026
#11	-5.64% May 23, 2025 - Jun 12, 2025	-0.13% Feb 25, 2021 - Mar 1, 2021
#12	-4.82% Sep 5, 2019 - Sep 13, 2019	N/A
#13	-3.89% Jun 12, 2026 - Jun 15, 2026	N/A
#14	-3.55% Aug 12, 2025 - Aug 22, 2025	N/A
#15	-3.38% Jun 12, 2025 - Jun 26, 2025	N/A