The takeaway
Intercorp Financial Services Inc shows a pronounced seasonal pattern over 7 years of data — strongest in December (+4.7%) and softest in July (−4.5%).
Right now
In July, the stock has fallen 29% of years, averaging −4.5%, roughly 6.6 pts behind the S&P 500.
The full picture
Intercorp Financial Services Inc's most dependable month has been December, higher in 6 of 7 years; July has been its least reliable, up just 29% of the time.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
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| 2019 | — | — | — | — | — | — |
Month by month
The stock's clearest edge over the S&P 500 lands in January (+5.2 pts); it has trailed the market most in March (−9.9 pts).
“vs S&P” is Intercorp Financial Services Inc’s average for a month minus the S&P 500’s average for that same month — isolating Intercorp Financial Services Inc’s own seasonal edge from broad market drift.
Reality check
Over the last 5 years, December has closed higher 80% of the time versus 86% across the last 7 years — the pattern is holding.
Figures are the typical (median) December return and how often it rose — the last 5 years versus the last 7(the heatmap’s default window). This verdict stays anchored to that 7-year window even if you zoom the chart, so it never disagrees with the badges above.
In plain English
The seasonal story is really one month's story — December. It has closed higher in 6 of 7 Decembers, a concentration the rest of the calendar can't touch.
The strength looks broad-based rather than freakish: its average (+4.7%) and median (+4.6%) sit close together, so no single blow-out year is flattering the figure. Few months are steadier: December's returns vary by just 4.6% year to year. Better still, that strength is the stock's own and not just a buoyant market — December has outpaced the S&P 500 by +3.7 points on average. Few peers keep such company in December — the typical stock clears it just 58% of the time.
December anchors a run, too: the December-through-February window has been the stock's reliable season. At the other end of the calendar, July has been the soft spot — the weakest of 4 months that average a loss (−4.5%), and the edge isn't year-round — the stock has trailed the S&P 500 in March, July, and April. Its roughest month on record was a −29.8% March in 2020 — a reminder of how hard even a seasonal name can fall.
Reassuringly, the tendency has held its shape: the recent five years still track the years behind them.
For a stock this dependable in December, the sharper question is the rest of the year — outside its strong stretch, the calendar gives far less to lean on. With a short 7-year record, the signal is best held loosely.
Short answers on the stock's best month (December), its worst (July), and whether it really trades seasonally.
Yes, to a pronounced degree. Since 2019 its best month (December, +4.7%) has run well ahead of its worst (July, −4.5%) — the heatmap above shows how steady that gap has been year to year.
December has been the strongest, averaging +4.7% and closing higher in 6 of 7 years since 2019.
It's the weakest, averaging −4.5% — historically a soft spot, though it still varies from year to year.
Explore
These names have the strongest July track records on record — a starting point for comparison.
Before you trade