Symbols / IFS Stock $44.00 -1.30% Intercorp Financial Services Inc.

Financial Services • Banks - Regional • Peru • NYQ
IFS (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Lord Luis Felipe Castellanos Lopez-Torres…
Exch · Country NYQ · Peru
Market Cap 4.89B
Enterprise Value 13.56B
Income 1.93B
Sales 5.50B
FCF (ttm) —
Book/sh 31.63
Cash/sh 41.04
Employees 9,229
Insider 10d —
IPO Jul 01, 2019
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 22.03%
P/E 9.26
Forward P/E 7.62
PEG —
P/S 0.89
P/B 1.39
P/C —
EV/EBITDA —
EV/Sales 2.47
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.75
EPS next Y 5.77
EPS Growth -2.80%
Revenue Growth 1.10%
EPS Gr Q/Q -6.00%
Rev Gr Q/Q —
Earnings (next) 2026-05-11
Earnings (prior) 2025-11-06
ROA 2.00%
ROE 16.61%
ROIC —
Gross Margin 0.00%
Oper. Margin 39.69%
Profit Margin 35.15%
Shs Outstand 111.07M
Shs Float 29.51M
Insider Own 73.38%
Instit Own 23.81%
Short Float 0.88%
Short Ratio 1.00
Short Interest 261.01K
52W High 53.00
vs 52W High -16.98%
52W Low 34.18
vs 52W Low 28.73%
Beta 0.70
Impl. Vol. —
Rel Volume 0.40
Avg Volume 293.44K
Volume 117.13K
Target (mean) $53.47
Tgt Median $49.97
Tgt Low $46.32
Tgt High $64.12
# Analysts 3
Recom Strong_buy
Prev Close $44.58
Price $44.00
Change -1.30%
About

Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also 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. In addition, the company manages mutual funds and investment funds; and provides investment consultancy and related services. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$53.47
Mean price target
2. Current target
$44.00
Latest analyst target
3. DCF / Fair value
$71.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$44.00
Low
$46.32
High
$64.12
Mean
$53.47

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-12-16 main JP Morgan Overweight → Overweight $48
2024-09-12 main JP Morgan Overweight → Overweight $30
2024-04-16 main JP Morgan Overweight → Overweight $32
2024-01-09 main JP Morgan Overweight → Overweight $28
2023-10-16 init Jefferies — → Buy $35
2023-06-01 up JP Morgan Neutral → Overweight $27
2022-12-15 up Scotiabank Sector Perform → Sector Outperform $32
2021-08-11 up JP Morgan Underweight → Neutral —
2021-04-20 down JP Morgan Neutral → Underweight $28
2021-01-20 down ScotiaBank Sector Outperform → Sector Perform $36
2020-11-12 down JP Morgan Overweight → Neutral $23
2020-08-27 main B of A Securities — → Buy $33
2020-06-24 down Scotiabank Sector Outperform → Sector Perform $34
News
RSS: Latest IFS news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
6,906.96
+5.69%
6,535.03
+3.21%
6,331.48
+7.56%
5,886.39
Operating Revenue
6,906.96
+5.69%
6,535.03
+3.21%
6,331.48
+7.56%
5,886.39
Selling General And Administration
2,695.76
+6.68%
2,526.89
+5.00%
2,406.50
+0.47%
2,395.36
General And Administrative Expense
2,695.76
+6.68%
2,526.89
+5.00%
2,406.50
+0.47%
2,395.36
Salaries And Wages
1,057.39
+17.18%
902.33
+6.41%
848.01
-2.58%
870.48
Other Gand A
1,366.02
+8.03%
1,264.46
+3.46%
1,222.21
+9.90%
1,112.14
Reconciled Depreciation
450.27
+9.01%
413.06
+8.98%
379.04
+12.73%
336.23
Total Unusual Items
41.79
+325.45%
9.82
+132.41%
-30.31
-222.91%
24.66
Total Unusual Items Excluding Goodwill
41.79
+325.45%
9.82
+132.41%
-30.31
-222.91%
24.66
Special Income Charges
-59.31
-17.60%
-50.44
-34.79%
-37.42
-778.64%
5.51
Other Special Charges
-2.08
+83.87%
-12.88
+15.82%
-15.30
-29.88%
-11.78
Impairment Of Capital Assets
—
—
—
—
Restructuring And Mergern Acquisition
58.22
+10.03%
52.92
+7.41%
49.27
—
Write Off
3.17
-69.56%
10.40
+201.01%
3.46
-44.86%
6.27
Net Income
1,932.47
+48.64%
1,300.08
+21.19%
1,072.73
-35.69%
1,668.03
Pretax Income
2,435.44
+47.96%
1,645.97
+22.25%
1,346.44
-37.84%
2,166.13
Net Interest Income
4,747.20
+1.92%
4,657.70
+0.87%
4,617.63
+8.37%
4,261.05
Interest Expense
2,064.41
-11.10%
2,322.29
-5.60%
2,460.01
+60.65%
1,531.33
Interest Income
6,811.60
-2.41%
6,979.99
-1.38%
7,077.63
+22.19%
5,792.37
Gain On Sale Of Security
200.33
+228.33%
61.01
+332.35%
14.11
+104.21%
-335.29
Tax Provision
530.25
+68.67%
314.37
+14.07%
275.60
-40.42%
462.54
Tax Rate For Calcs
0.00
+14.00%
0.00
-5.92%
0.00
-6.02%
0.00
Tax Effect Of Unusual Items
9.10
+385.00%
1.88
+130.49%
-6.15
-215.51%
5.33
Net Income Including Noncontrolling Interests
1,943.19
+48.62%
1,307.46
+21.14%
1,079.28
-35.69%
1,678.11
Net Income From Continuing Operation Net Minority Interest
1,894.47
+43.06%
1,324.22
+24.42%
1,064.30
-37.15%
1,693.50
Net Income From Continuing And Discontinued Operation
1,894.47
+43.06%
1,324.22
+24.42%
1,064.30
-37.15%
1,693.50
Net Income Continuous Operations
1,905.19
+43.07%
1,331.61
+24.35%
1,070.85
-37.14%
1,703.59
Minority Interests
-10.72
-45.27%
-7.38
-12.75%
-6.55
+35.09%
-10.09
Normalized Income
1,861.77
+41.44%
1,316.28
+20.93%
1,088.46
-34.99%
1,674.17
Net Income Common Stockholders
1,932.47
+48.64%
1,300.08
+21.19%
1,072.73
-35.69%
1,668.03
Diluted EPS
17.30
+52.07%
11.38
+21.97%
9.33
-35.18%
14.39
Basic EPS
17.30
+52.07%
11.38
+21.97%
9.33
-35.18%
14.39
Basic Average Shares
111.71
-2.25%
114.29
-0.63%
115.01
-0.35%
115.42
Diluted Average Shares
111.71
-2.25%
114.29
-0.63%
115.01
-0.35%
115.42
Diluted NI Availto Com Stockholders
1,932.47
+48.64%
1,300.08
+21.19%
1,072.73
-35.69%
1,668.03
Depreciation Amortization Depletion Income Statement
450.27
+9.01%
413.06
+8.98%
379.04
+12.73%
336.23
Depreciation And Amortization In Income Statement
450.27
+9.01%
413.06
+8.98%
379.04
+12.73%
336.23
Insurance And Claims
253.82
-25.82%
342.18
+6.66%
320.82
-18.63%
394.26
Net Income Extraordinary
38.00
+257.41%
-24.14
-386.51%
8.43
+133.08%
-25.48
Other Non Interest Expense
128.42
-26.38%
174.43
+4.82%
166.41
-5.79%
176.65
Rent And Landing Fees
18.52
+3.34%
17.92
+15.96%
15.46
-16.35%
18.48
Rent Expense Supplemental
18.52
+3.34%
17.92
+15.96%
15.46
-16.35%
18.48
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
99,097.43
+3.76%
95,503.78
+6.56%
89,624.78
+2.45%
87,482.09
Cash And Cash Equivalents
12,387.95
+1.56%
12,197.43
+27.07%
9,599.13
-26.18%
13,003.90
Cash Financial
2,348.76
-17.68%
2,853.19
+26.87%
2,248.84
-21.51%
2,865.25
Other Short Term Investments
22,218.80
+4.89%
21,183.16
-2.34%
21,691.45
+23.59%
17,551.83
Receivables
5,372.85
-1.99%
5,481.85
+7.92%
5,079.51
+29.24%
3,930.38
Accounts Receivable
544.57
-4.36%
569.38
-13.38%
657.36
+24.59%
527.62
Other Receivables
3,123.76
-2.55%
3,205.58
+12.29%
2,854.75
+13.82%
2,508.18
Prepaid Assets
223.25
-66.87%
673.79
+59.57%
422.25
+1477.97%
26.76
Net PPE
967.29
+18.77%
814.43
+1.19%
804.83
+1.69%
791.43
Gross PPE
2,365.33
+14.06%
2,073.74
+4.08%
1,992.43
+6.83%
1,864.98
Accumulated Depreciation
-1,398.04
-11.02%
-1,259.31
-6.04%
-1,187.59
-10.62%
-1,073.55
Land And Improvements
228.91
+105.13%
111.59
-11.31%
125.82
-10.89%
141.21
Buildings And Improvements
648.98
+5.14%
617.28
+0.73%
612.82
+2.11%
600.17
Machinery Furniture Equipment
1,019.78
+10.94%
919.20
+3.19%
890.80
+10.51%
806.07
Construction In Progress
51.66
+42.15%
36.34
-15.89%
43.21
+27.02%
34.01
Other Properties
416.01
+6.85%
389.33
+21.75%
319.78
+12.79%
283.52
Goodwill And Other Intangible Assets
1,626.11
-2.50%
1,667.75
-1.15%
1,687.12
+3.30%
1,633.20
Goodwill
669.08
+0.00%
669.08
+0.00%
669.08
+0.00%
669.08
Other Intangible Assets
957.03
-4.17%
998.68
-1.90%
1,018.04
+5.59%
964.13
Investments And Advances
28,389.23
+4.96%
27,046.78
+0.75%
26,845.95
+16.99%
22,947.27
Long Term Equity Investment
27.26
+9.93%
24.80
+9.97%
22.55
-0.79%
22.73
Total Liabilities Net Minority Interest
86,675.58
+2.54%
84,525.19
+6.17%
79,616.68
+2.00%
78,055.86
Payables And Accrued Expenses
1,505.68
-1.63%
1,530.64
+9.16%
1,402.21
-10.71%
1,570.34
Payables
1,505.68
-1.63%
1,530.64
+9.16%
1,402.21
-10.71%
1,570.34
Accounts Payable
246.58
-43.75%
438.35
+85.20%
236.70
+99.97%
118.36
Other Payable
1,160.02
+15.42%
1,005.03
-7.39%
1,085.18
-17.36%
1,313.16
Employee Benefits
756.95
+6.34%
711.81
-6.41%
760.55
-17.45%
921.29
Total Tax Payable
99.08
+13.54%
87.26
+8.63%
80.33
-42.13%
138.82
Income Tax Payable
99.08
+13.54%
87.26
+8.63%
80.33
-42.13%
138.82
Current Debt And Capital Lease Obligation
2,232.84
-8.20%
2,432.33
+20.57%
2,017.31
+8.25%
1,863.48
Current Debt
2,232.84
-8.20%
2,432.33
+20.74%
2,014.60
+8.11%
1,863.48
Other Current Borrowings
55.02
0.00
—
—
Current Capital Lease Obligation
—
0.00
-100.00%
2.71
—
Long Term Debt And Capital Lease Obligation
8,762.32
-6.64%
9,386.02
+5.96%
8,858.16
+2.87%
8,611.43
Long Term Debt
8,618.07
-6.75%
9,242.22
+5.38%
8,770.36
+3.19%
8,498.85
Long Term Capital Lease Obligation
144.25
+0.31%
143.80
+63.78%
87.80
-22.01%
112.58
Long Term Provisions
56.59
-53.35%
121.33
+36.93%
88.60
-22.82%
114.80
Non Current Deferred Liabilities
2,321.64
+56.29%
1,485.47
+33.87%
1,109.63
+9.60%
1,012.40
Non Current Deferred Revenue
2,185.51
+62.51%
1,344.82
+30.07%
1,033.92
+11.11%
930.50
Non Current Deferred Taxes Liabilities
136.13
-3.22%
140.65
+85.77%
75.71
-7.55%
81.90
Stockholders Equity
12,348.59
+13.13%
10,915.24
+9.70%
9,950.22
+6.16%
9,372.47
Common Stock Equity
12,348.59
+13.13%
10,915.24
+9.70%
9,950.22
+6.16%
9,372.47
Capital Stock
1,038.02
+0.00%
1,038.02
+0.00%
1,038.02
+0.00%
1,038.02
Common Stock
1,038.02
+0.00%
1,038.02
+0.00%
1,038.02
+0.00%
1,038.02
Share Issued
115.45
+0.00%
115.45
+0.00%
115.45
+0.00%
115.45
Ordinary Shares Number
111.08
-1.95%
113.29
-1.04%
114.48
-0.81%
115.42
Treasury Shares Number
4.37
+102.16%
2.16
+123.13%
0.97
+3117.71%
0.03
Additional Paid In Capital
532.77
+0.00%
532.77
+0.00%
532.77
+0.00%
532.77
Retained Earnings
2,183.38
+51.70%
1,439.27
-50.74%
2,921.53
+23.82%
2,359.46
Gains Losses Not Affecting Retained Earnings
9,063.97
+11.73%
8,112.17
+46.37%
5,542.21
+1.77%
5,445.58
Treasury Stock
469.55
+126.84%
207.00
+145.52%
84.31
+2406.96%
3.36
Minority Interest
73.25
+15.61%
63.36
+9.46%
57.88
+7.67%
53.76
Other Equity Adjustments
9,037.10
+1.17%
8,932.48
+33.10%
6,710.96
-12.87%
7,702.23
Total Equity Gross Minority Interest
12,421.84
+13.15%
10,978.59
+9.70%
10,008.10
+6.17%
9,426.23
Total Capitalization
20,966.67
+4.01%
20,157.45
+7.68%
18,720.58
+4.75%
17,871.32
Invested Capital
23,199.51
+2.70%
22,589.78
+8.94%
20,735.17
+5.07%
19,734.80
Total Debt
10,995.16
-6.97%
11,818.35
+8.67%
10,875.47
+3.82%
10,474.92
Net Debt
—
—
1,185.83
—
Capital Lease Obligations
144.25
+0.31%
143.80
+58.88%
90.51
-19.60%
112.58
Net Tangible Assets
10,722.49
+15.95%
9,247.48
+11.91%
8,263.10
+6.77%
7,739.27
Tangible Book Value
10,722.49
+15.95%
9,247.48
+11.91%
8,263.10
+6.77%
7,739.27
Available For Sale Securities
6,143.18
+5.21%
5,838.82
+13.77%
5,131.96
-4.48%
5,372.72
Cash Cash Equivalents And Federal Funds Sold
14,063.86
+9.73%
12,817.19
+24.20%
10,319.82
-23.40%
13,472.14
Commercial Paper
202.23
-40.78%
341.50
—
—
Foreign Currency Translation Adjustments
99.63
-50.36%
200.70
+6.22%
188.95
-10.42%
210.92
Line Of Credit
1,975.59
-5.51%
2,090.82
+3.78%
2,014.60
+8.11%
1,863.48
Notes Receivable
1,704.52
-0.14%
1,706.89
+8.90%
1,567.41
+75.21%
894.59
Unrealized Gain Loss
-72.77
+92.87%
-1,021.01
+24.80%
-1,357.70
+44.98%
-2,467.57
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,830.58
-37.09%
2,910.03
+1.21%
2,875.19
+384.09%
-1,012.08
Cash Flow From Continuing Operating Activities
1,830.58
-37.09%
2,910.03
+1.21%
2,875.19
+384.09%
-1,012.08
Net Income From Continuing Operations
1,943.19
+48.62%
1,307.46
+21.14%
1,079.28
-35.69%
1,678.11
Depreciation Amortization Depletion
450.27
+9.01%
413.06
+8.98%
379.04
+12.73%
336.23
Depreciation
—
—
156.02
—
Amortization Cash Flow
—
—
223.01
—
Depreciation And Amortization
450.27
+9.01%
413.06
+8.98%
379.04
+12.73%
336.23
Amortization Of Intangibles
—
—
223.01
—
Other Non Cash Items
2.63
-91.01%
29.29
+607.83%
4.14
-67.32%
12.66
Deferred Tax
-37.49
-137.47%
100.05
-2.14%
102.24
+23232.13%
-0.44
Deferred Income Tax
-37.49
-137.47%
100.05
-2.14%
102.24
+23232.13%
-0.44
Operating Gains Losses
-341.51
-219.67%
-106.83
-137.67%
-44.95
-141.88%
107.33
Gain Loss On Investment Securities
-464.09
-327.60%
-108.53
-402.19%
-21.61
-106.70%
322.54
Net Foreign Currency Exchange Gain Loss
-38.00
-257.41%
24.14
+386.51%
-8.43
-133.08%
25.48
Gain Loss On Sale Of PPE
-2.08
+83.87%
-12.88
+15.82%
-15.30
-29.88%
-11.78
Change In Working Capital
-1,017.63
-436.40%
-189.71
-7.64%
-176.25
+95.16%
-3,642.35
Change In Receivables
531.44
+384.66%
-186.69
+59.70%
-463.22
-384.47%
162.83
Changes In Account Receivables
22.49
-61.67%
58.69
+135.04%
-167.47
+0.59%
-168.45
Change In Payables And Accrued Expense
268.13
-79.41%
1,302.07
+72.86%
753.26
+21.56%
619.64
Change In Payable
268.13
-79.41%
1,302.07
+72.86%
753.26
+21.56%
619.64
Change In Account Payable
268.13
-79.41%
1,302.07
+72.86%
753.26
+21.56%
619.64
Change In Other Working Capital
1,931.51
-38.03%
3,117.00
+16.98%
2,664.49
+284.22%
-1,446.35
Change In Other Current Assets
-1,056.14
-1146.46%
100.92
+140.90%
-246.78
-209.36%
225.66
Investing Cash Flow
-938.56
-13222.38%
-7.04
+99.80%
-3,532.72
-153.50%
-1,393.56
Cash Flow From Continuing Investing Activities
-938.56
-13222.38%
-7.04
+99.80%
-3,532.72
-153.50%
-1,393.56
Net PPE Purchase And Sale
-297.97
-402.85%
-59.26
+48.46%
-114.98
-42.44%
-80.72
Purchase Of PPE
-301.44
-187.85%
-104.72
+29.07%
-147.65
-9.34%
-135.04
Sale Of PPE
3.46
-92.39%
45.46
+39.17%
32.67
-39.85%
54.31
Capital Expenditure
-523.40
-49.52%
-350.05
+18.22%
-428.03
-18.14%
-362.31
Net Investment Purchase And Sale
-355.90
-211.15%
320.18
+110.26%
-3,120.46
-263.86%
-857.59
Purchase Of Investment
-355.90
+11.45%
-401.90
+87.12%
-3,120.46
-263.86%
-857.59
Sale Of Investment
—
722.08
—
—
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-193.22
Purchase Of Business
—
0.00
0.00
+100.00%
-193.22
Net Intangibles Purchase And Sale
-221.97
+9.52%
-245.33
+12.50%
-280.39
-23.37%
-227.27
Purchase Of Intangibles
-221.97
+9.52%
-245.33
+12.50%
-280.39
-23.37%
-227.27
Net Other Investing Changes
—
—
—
0.00
Financing Cash Flow
-397.22
-3122.12%
-12.33
+99.59%
-3,013.43
-136.12%
-1,276.22
Cash Flow From Continuing Financing Activities
-397.22
-3122.12%
-12.33
+99.59%
-3,013.43
-136.12%
-1,276.22
Net Issuance Payments Of Debt
275.20
-49.10%
540.64
+122.38%
-2,415.93
-364.14%
-520.52
Issuance Of Debt
1,861.00
-7.47%
2,011.23
+2104.20%
91.25
+199.34%
30.48
Repayment Of Debt
-1,585.80
-7.83%
-1,470.59
+41.34%
-2,507.17
-355.02%
-551.00
Long Term Debt Issuance
1,861.00
-7.47%
2,011.23
+2104.20%
91.25
+199.34%
30.48
Long Term Debt Payments
-1,585.80
-7.83%
-1,470.59
+41.34%
-2,507.17
-355.02%
-551.00
Net Long Term Debt Issuance
275.20
-49.10%
540.64
+122.38%
-2,415.93
-364.14%
-520.52
Net Short Term Debt Issuance
—
—
—
—
Net Common Stock Issuance
-262.55
-114.00%
-122.69
-51.57%
-80.95
0.00
Common Stock Payments
-262.55
-114.00%
-122.69
-51.57%
-80.95
0.00
Common Stock Dividend Paid
-406.83
+4.81%
-427.37
+16.49%
-511.79
+31.90%
-751.53
Cash Dividends Paid
-406.83
+4.81%
-427.37
+16.49%
-511.79
+31.90%
-751.53
Repurchase Of Capital Stock
-262.55
-114.00%
-122.69
-51.57%
-80.95
0.00
Net Other Financing Charges
-3.04
-4.43%
-2.91
+39.05%
-4.78
-14.42%
-4.17
Changes In Cash
494.79
-82.88%
2,890.66
+178.74%
-3,670.97
+0.30%
-3,681.86
Effect Of Exchange Rate Changes
-124.22
-1094.05%
12.50
-66.59%
37.40
+240.20%
-26.68
Beginning Cash Position
11,977.37
+31.99%
9,074.21
-28.59%
12,707.78
-22.59%
16,416.31
End Cash Position
12,347.94
+3.09%
11,977.37
+31.99%
9,074.21
-28.59%
12,707.78
Free Cash Flow
1,307.18
-48.94%
2,559.98
+4.61%
2,447.16
+278.06%
-1,374.38
Interest Paid Supplemental Data
2,114.17
-12.87%
2,426.41
+7.65%
2,253.88
+61.49%
1,395.67
Income Tax Paid Supplemental Data
305.59
-15.92%
363.46
-19.25%
450.12
+34.70%
334.17
Earnings Losses From Equity Investments
—
0.00
0.00
+100.00%
-222.51
Net Investment Properties Purchase And Sale
-62.72
-177.09%
-22.64
-33.92%
-16.90
+51.37%
-34.76
Purchase Of Investment Properties
-62.72
-1.47%
-61.81
-265.69%
-16.90
+51.37%
-34.76
Sale Of Investment Properties
0.00
-100.00%
39.18
0.00
0.00
Taxes Refund Paid
-305.59
+15.92%
-363.46
+19.25%
-450.12
-34.70%
-334.17
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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