Comparing Intercorp Financial Services and Fold

Two finance companies, but which is the better investment?

Published on Feb. 18, 2026

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Intercorp Financial Services (NYSE:IFS) and Fold (NASDAQ:FLD) are both finance companies, but a comparison of the two reveals key differences in areas like institutional ownership, profitability, valuation, and analyst ratings.

Why it matters

This analysis provides investors with insights to help determine which of these two finance companies may be the better investment option based on a range of financial metrics and expert assessments.

The details

Intercorp Financial Services has higher revenue and earnings than Fold, but Fold is trading at a lower price-to-earnings ratio, indicating it may be more affordable. Fold also has stronger institutional ownership and insider ownership. In terms of analyst ratings, Fold has a higher consensus target price and more favorable analyst recommendations compared to Intercorp Financial Services.

  • The analysis was published on February 17, 2026.

The players

Intercorp Financial Services

A Peruvian financial services company that offers banking, insurance, wealth management, and payment services.

Fold

A finance company based in the United States.

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The takeaway

This analysis highlights the key differences between Intercorp Financial Services and Fold, providing investors with valuable information to consider when deciding which finance company may be the better investment option based on factors like profitability, valuation, and analyst assessments.