IFS
Intercorp Financial Services Inc.
Price Chart
Latest Quote
$51.28
-0.37 (-0.72%)
Current Price
| Previous Close | $51.65 |
| Open | $51.41 |
| Day High | $52.04 |
| Day Low | $51.03 |
| Volume | 31,494 |
Stock Information
Note: Financial values converted from PEN to USD
| Quarterly Dividend / Yield | $1.80 / 3.49% |
| Shares Outstanding | 110.40M |
| Quarterly Dividend Yield | 3.49% |
| Quarterly Dividend | $1.80 |
| Total Debt | $4.17B |
| Cash Equivalents | $1.91B |
| Revenue | $1.70B |
| Net Income | $606.52M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $5.66B |
| P/E Ratio | 9.51 |
| EPS (TTM) | $5.39 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $13.58B |
| Sales | $1.70B |
| Income | $606.52M |
| Book/sh | $32.90 |
| Cash/sh | $59.62 |
| Employees | 9K |
Financial Ratios
| EPS Growth TTM | 0.90% |
Returns & Margins
| ROA | 2.07% |
| ROE | 17.23% |
| Operating Margin | 44.69% |
| Profit Margin | 35.66% |
Ownership
| Insider Ownership | 73.41% |
| Institutional Ownership | 23.69% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.74 |
| P/S | 0.96 |
| P/B | 1.56 |
Analyst Data
| Recommendation | none |
| Target Price | $65.99 |
Technical Indicators
| SMA20 | $53.40 |
| SMA50 | $54.33 |
| SMA200 | $51.10 |
| RSI | 42.94 |
| ATR | 1.2916 |
| Shares Float | 28.86M |
| Short Float | 0.96% |
| Short Ratio | 1.30 |
| Volatility | 0.42 |
| Rel Volume | 0.18 |
Performance History
| Week | -4.31% |
| Month | -7.64% |
| Quarter | -9.38% |
| 6 Months | +14.21% |
| YTD | +26.40% |
| Year | +27.70% |
| 3 Years | +193.11% |
| 5 Years | +151.69% |
| 10 Years | +90.02% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $51.28 | 31,494 |
| 2026-10-26 | $51.65 | 126,400 |
| 2026-10-23 | $51.82 | 84,800 |
| 2026-10-22 | $51.64 | 269,800 |
| 2026-10-21 | $53.40 | 259,800 |
| 2026-10-20 | $53.59 | 221,800 |
| 2026-10-19 | $53.72 | 166,100 |
| 2026-10-16 | $54.60 | 81,700 |
| 2026-10-15 | $54.31 | 207,500 |
| 2026-10-14 | $54.32 | 248,800 |
| 2026-10-13 | $54.60 | 143,100 |
| 2026-10-12 | $53.51 | 81,400 |
| 2026-10-09 | $53.84 | 228,600 |
| 2026-10-08 | $53.00 | 140,800 |
| 2026-10-07 | $52.30 | 261,600 |
| 2026-10-06 | $54.26 | 158,100 |
| 2026-10-05 | $54.40 | 186,500 |
| 2026-10-02 | $53.11 | 199,500 |
| 2026-10-01 | $54.20 | 148,700 |
| 2026-09-30 | $54.39 | 341,500 |
| 2026-09-29 | $54.56 | 220,500 |
| 2026-09-28 | $55.52 | 244,100 |
About Intercorp Financial Services Inc.
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 PerÃē Ltd.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $2,004,632,723 | $1,896,684,383 | $1,837,609,358 | $1,708,428,977 |
| Operating Revenue | $2,004,632,723 | $1,896,684,383 | $1,837,609,358 | $1,708,428,977 |
| Expenses | ||||
| Interest Expense | $599,159,778 | $674,007,260 | $713,976,206 | $444,443,190 |
| Rent Expense Supplemental | $5,375,998 | $5,202,148 | $4,486,141 | $5,363,227 |
| General And Administrative Expense | $782,398,786 | $733,389,934 | $698,447,545 | $695,214,052 |
| Other Non Interest Expense | $37,270,933 | $50,624,583 | $48,298,941 | $51,269,192 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $549,837,763 | $384,333,771 | $308,895,953 | $491,511,830 |
| Net Interest Income | $1,377,795,975 | $1,351,822,096 | $1,340,190,692 | $1,236,698,601 |
| Interest Income | $1,976,955,752 | $2,025,829,356 | $2,054,166,898 | $1,681,141,790 |
| Normalized Income | $540,349,178 | $382,027,314 | $315,906,916 | $485,900,616 |
| Net Income From Continuing And Discontinued Operation | $549,837,763 | $384,333,771 | $308,895,953 | $491,511,830 |
| Net Income Common Stockholders | $560,867,802 | $377,326,370 | $311,341,752 | $484,117,258 |
| Net Income | $560,867,802 | $377,326,370 | $311,341,752 | $484,117,258 |
| Net Income Including Noncontrolling Interests | $563,980,558 | $379,469,165 | $313,242,202 | $487,045,135 |
| Net Income Extraordinary | $11,030,039 | $-7,007,401 | $2,445,799 | $-7,394,573 |
| Net Income Continuous Operations | $552,950,519 | $386,476,566 | $310,796,403 | $494,439,707 |
| Pretax Income | $706,847,487 | $477,715,864 | $390,783,633 | $628,683,504 |
| Special Income Charges | $-17,214,338 | $-14,638,514 | $-10,860,543 | $1,600,348 |
| Depreciation Amortization Depletion Income Statement | $130,682,630 | $119,883,037 | $110,009,578 | $97,584,096 |
| Depreciation And Amortization In Income Statement | $130,682,630 | $119,883,037 | $110,009,578 | $97,584,096 |
| Per Share | ||||
| Diluted EPS | $5.02 | $3.30 | $2.71 | $4.18 |
| Basic EPS | $5.02 | $3.30 | $2.71 | $4.18 |
| Other | ||||
| Tax Effect Of Unusual Items | $2,640,859 | $544,508 | $-1,785,728 | $1,545,947 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $12,129,444 | $2,850,965 | $-8,796,691 | $7,157,162 |
| Total Unusual Items Excluding Goodwill | $12,129,444 | $2,850,965 | $-8,796,691 | $7,157,162 |
| Reconciled Depreciation | $130,682,630 | $119,883,037 | $110,009,578 | $97,584,096 |
| Diluted Average Shares | $32,422,871 | $33,169,932 | $33,380,351 | $33,498,186 |
| Basic Average Shares | $32,422,871 | $33,169,932 | $33,380,351 | $33,498,186 |
| Diluted NI Availto Com Stockholders | $560,867,802 | $377,326,370 | $311,341,752 | $484,117,258 |
| Minority Interests | $-3,112,756 | $-2,142,795 | $-1,900,450 | $-2,927,877 |
| Tax Provision | $153,896,968 | $91,239,298 | $79,987,230 | $134,243,797 |
| Other Special Charges | $-603,106 | $-3,737,919 | $-4,440,575 | $-3,418,952 |
| Write Off | $918,880 | $3,018,430 | $1,002,757 | $1,818,604 |
| Restructuring And Mergern Acquisition | $16,898,563 | $15,358,003 | $14,298,360 | - |
| Gain On Sale Of Security | $58,141,634 | $17,708,025 | $4,095,777 | $-97,313,308 |
| Selling General And Administration | $782,398,786 | $733,389,934 | $698,447,545 | $695,214,052 |
| Other Gand A | $396,465,537 | $366,988,828 | $354,727,908 | $322,780,150 |
| Insurance And Claims | $73,667,393 | $99,312,437 | $93,112,466 | $114,428,095 |
| Rent And Landing Fees | $5,375,998 | $5,202,148 | $4,486,141 | $5,363,227 |
| Salaries And Wages | $306,889,858 | $261,886,520 | $246,121,029 | $252,642,579 |
| Impairment Of Capital Assets | - | - | - | - |
Fetched: 2026-10-23
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $3,112,025,851 | $2,683,930,362 | $2,398,228,720 | $2,246,195,342 |
| Total Assets | $28,761,406,953 | $27,718,409,993 | $26,012,125,843 | $25,390,245,125 |
| Goodwill And Other Intangible Assets | $471,950,663 | $484,038,024 | $489,658,979 | $474,010,161 |
| Other Intangible Assets | $277,762,591 | $289,849,951 | $295,470,906 | $279,822,089 |
| Prepaid Assets | $64,794,080 | $195,555,363 | $122,550,574 | $7,766,362 |
| Receivables | $1,064,673,639 | $1,095,622,704 | $1,019,330,438 | $881,088,382 |
| Other Receivables | $906,620,816 | $930,368,313 | $828,543,903 | $727,956,760 |
| Notes Receivable | $494,709,044 | $495,395,737 | $454,915,400 | $259,639,532 |
| Accounts Receivable | $158,052,824 | $165,254,391 | $190,786,534 | $153,131,622 |
| Cash And Cash Equivalents | $3,595,399,530 | $3,540,103,347 | $2,785,989,280 | $3,774,167,780 |
| Cash Financial | $681,688,003 | $828,090,849 | $652,690,470 | $831,592,227 |
| Cash Cash Equivalents And Federal Funds Sold | $4,081,804,990 | $3,719,980,289 | $2,995,158,052 | $3,910,067,941 |
| Debt | ||||
| Total Debt | $3,191,165,599 | $3,430,082,159 | $3,156,427,535 | $3,040,172,709 |
| Long Term Debt And Capital Lease Obligation | $2,543,119,738 | $2,724,138,169 | $2,570,936,601 | $2,499,327,545 |
| Long Term Debt | $2,501,254,987 | $2,682,401,701 | $2,545,452,926 | $2,466,652,752 |
| Current Debt And Capital Lease Obligation | $648,045,861 | $705,943,990 | $585,490,934 | $540,845,164 |
| Current Debt | $648,045,861 | $705,943,990 | $584,704,691 | $540,845,164 |
| Other Current Borrowings | $15,968,365 | $0 | - | - |
| Net Debt | - | - | $344,168,338 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $25,156,169,953 | $24,532,052,404 | $23,107,438,261 | $22,654,436,952 |
| Non Current Deferred Liabilities | $673,817,738 | $431,133,075 | $322,052,244 | $293,832,537 |
| Non Current Deferred Taxes Liabilities | $39,508,344 | $40,822,232 | $21,974,169 | $23,769,845 |
| Payables And Accrued Expenses | $436,997,826 | $444,243,219 | $406,967,642 | $455,766,075 |
| Payables | $436,997,826 | $444,243,219 | $406,967,642 | $455,766,075 |
| Other Payable | $336,677,698 | $291,692,354 | $314,955,741 | $381,123,207 |
| Total Tax Payable | $28,755,188 | $25,326,368 | $23,314,759 | $40,289,944 |
| Income Tax Payable | $28,755,188 | $25,326,368 | $23,314,759 | $40,289,944 |
| Accounts Payable | $71,564,940 | $127,224,497 | $68,697,142 | $34,352,924 |
| Equity | ||||
| Common Stock Equity | $3,583,976,515 | $3,167,968,386 | $2,887,887,699 | $2,720,205,503 |
| Total Equity Gross Minority Interest | $3,605,237,000 | $3,186,357,589 | $2,904,687,583 | $2,735,808,174 |
| Stockholders Equity | $3,583,976,515 | $3,167,968,386 | $2,887,887,699 | $2,720,205,503 |
| Gains Losses Not Affecting Retained Earnings | $2,630,667,845 | $2,354,424,627 | $1,608,534,911 | $1,580,490,215 |
| Other Equity Adjustments | $2,622,871,009 | $2,592,506,765 | $1,947,746,639 | $2,235,446,539 |
| Retained Earnings | $633,691,196 | $417,725,732 | $847,926,577 | $684,795,825 |
| Long Term Equity Investment | $7,910,898 | $7,196,343 | $6,544,188 | $6,596,430 |
| Other | ||||
| Treasury Shares Number | $1,266,888 | $626,686 | $280,858 | $8,728 |
| Ordinary Shares Number | $32,239,920 | $32,880,121 | $33,225,950 | $33,498,079 |
| Share Issued | $33,506,808 | $33,506,808 | $33,506,808 | $33,506,808 |
| Tangible Book Value | $3,112,025,851 | $2,683,930,362 | $2,398,228,720 | $2,246,195,342 |
| Invested Capital | $6,733,277,363 | $6,556,314,076 | $6,018,045,316 | $5,727,703,419 |
| Capital Lease Obligations | $41,864,751 | $41,736,468 | $26,269,917 | $32,674,793 |
| Total Capitalization | $6,085,231,502 | $5,850,370,087 | $5,433,340,625 | $5,186,858,255 |
| Minority Interest | $21,260,485 | $18,389,203 | $16,799,884 | $15,602,670 |
| Foreign Currency Translation Adjustments | $28,917,138 | $58,249,021 | $54,839,646 | $61,216,079 |
| Unrealized Gain Loss | $-21,120,302 | $-296,331,159 | $-394,051,374 | $-716,172,404 |
| Treasury Stock | $136,278,045 | $60,077,493 | $24,469,308 | $976,056 |
| Additional Paid In Capital | $154,628,067 | $154,628,067 | $154,628,067 | $154,628,067 |
| Capital Stock | $301,267,452 | $301,267,452 | $301,267,452 | $301,267,452 |
| Common Stock | $301,267,452 | $301,267,452 | $301,267,452 | $301,267,452 |
| Employee Benefits | $219,692,064 | $206,590,046 | $220,737,485 | $267,388,770 |
| Non Current Deferred Revenue | $634,309,393 | $390,310,843 | $300,078,075 | $270,062,692 |
| Long Term Capital Lease Obligation | $41,864,751 | $41,736,468 | $25,483,675 | $32,674,793 |
| Long Term Provisions | $16,425,192 | $35,212,887 | $25,715,571 | $33,318,532 |
| Line Of Credit | $573,382,387 | $606,827,750 | $584,704,691 | $540,845,164 |
| Commercial Paper | $58,695,110 | $99,116,239 | - | - |
| Investments And Advances | $8,239,510,721 | $7,849,885,119 | $7,791,598,658 | $6,660,070,861 |
| Available For Sale Securities | $1,782,956,622 | $1,694,623,143 | $1,489,466,851 | $1,559,344,082 |
| Goodwill | $194,188,073 | $194,188,073 | $194,188,073 | $194,188,073 |
| Net PPE | $280,740,968 | $236,375,564 | $233,589,321 | $229,700,190 |
| Accumulated Depreciation | $-405,758,238 | $-365,492,964 | $-344,679,729 | $-311,578,873 |
| Gross PPE | $686,499,206 | $601,868,528 | $578,269,050 | $541,279,063 |
| Construction In Progress | $14,992,309 | $10,547,090 | $12,539,835 | $9,872,007 |
| Other Properties | $120,739,226 | $112,996,953 | $92,811,784 | $82,287,912 |
| Machinery Furniture Equipment | $295,973,300 | $266,781,891 | $258,539,256 | $233,947,469 |
| Buildings And Improvements | $188,355,828 | $179,154,260 | $177,860,399 | $174,188,943 |
| Land And Improvements | $66,438,543 | $32,388,333 | $36,517,777 | $40,982,731 |
| Other Short Term Investments | $6,448,643,200 | $6,148,065,634 | $6,295,587,620 | $5,094,130,349 |
| Current Capital Lease Obligation | - | $0 | $786,243 | - |
Fetched: 2026-10-23
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $379,386,739 | $742,992,023 | $710,247,864 | $-398,892,181 |
| Operating Activities | ||||
| Operating Cash Flow | $531,295,606 | $844,589,180 | $834,477,440 | $-293,738,792 |
| Cash Flow From Continuing Operating Activities | $531,295,606 | $844,589,180 | $834,477,440 | $-293,738,792 |
| Operating Gains Losses | $-99,118,561 | $-31,006,240 | $-13,046,002 | $31,151,357 |
| Investing Activities | ||||
| Capital Expenditure | $-151,908,868 | $-101,597,156 | $-124,229,576 | $-105,153,389 |
| Investing Cash Flow | $-272,402,266 | $-2,044,696 | $-1,025,315,636 | $-404,457,121 |
| Cash Flow From Continuing Investing Activities | $-272,402,266 | $-2,044,696 | $-1,025,315,636 | $-404,457,121 |
| Net Other Investing Changes | - | - | - | $290 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-76,200,552 | $-35,608,185 | $-23,493,252 | $0 |
| Financing Cash Flow | $-115,287,477 | $-3,578,000 | $-874,600,209 | $-370,402,847 |
| Cash Flow From Continuing Financing Activities | $-115,287,477 | $-3,578,000 | $-874,600,209 | $-370,402,847 |
| Net Other Financing Charges | $-882,310 | $-844,870 | $-1,386,156 | $-1,211,435 |
| Cash Dividends Paid | $-118,075,752 | $-124,036,860 | $-148,538,094 | $-218,119,868 |
| Common Stock Dividend Paid | $-118,075,752 | $-124,036,860 | $-148,538,094 | $-218,119,868 |
| Net Common Stock Issuance | $-76,200,552 | $-35,608,185 | $-23,493,252 | $0 |
| Other | ||||
| Repayment Of Debt | $-460,253,377 | $-426,813,528 | $-727,665,075 | $-159,918,445 |
| Issuance Of Debt | $540,124,514 | $583,725,443 | $26,482,368 | $8,846,902 |
| Interest Paid Supplemental Data | $613,602,094 | $704,226,097 | $654,152,087 | $405,071,255 |
| Income Tax Paid Supplemental Data | $88,692,498 | $105,489,189 | $130,641,417 | $96,988,246 |
| End Cash Position | $3,583,788,443 | $3,476,234,532 | $2,633,641,289 | $3,688,224,085 |
| Beginning Cash Position | $3,476,234,532 | $2,633,641,289 | $3,688,224,085 | $4,764,565,697 |
| Effect Of Exchange Rate Changes | $-36,051,952 | $3,626,760 | $10,855,609 | $-7,742,853 |
| Changes In Cash | $143,605,864 | $838,966,484 | $-1,065,438,405 | $-1,068,598,759 |
| Common Stock Payments | $-76,200,552 | $-35,608,185 | $-23,493,252 | $0 |
| Net Issuance Payments Of Debt | $79,871,137 | $156,911,915 | $-701,182,707 | $-151,071,544 |
| Net Long Term Debt Issuance | $79,871,137 | $156,911,915 | $-701,182,707 | $-151,071,544 |
| Long Term Debt Payments | $-460,253,377 | $-426,813,528 | $-727,665,075 | $-159,918,445 |
| Long Term Debt Issuance | $540,124,514 | $583,725,443 | $26,482,368 | $8,846,902 |
| Net Investment Purchase And Sale | $-103,293,572 | $92,927,587 | $-905,661,303 | $-248,901,177 |
| Purchase Of Investment | $-103,293,572 | $-116,644,319 | $-905,661,303 | $-248,901,467 |
| Net Investment Properties Purchase And Sale | $-18,204,325 | $-6,569,729 | $-4,905,819 | $-10,088,521 |
| Sale Of Investment Properties | $0 | $11,370,193 | $0 | $0 |
| Purchase Of Investment Properties | $-18,204,325 | $-17,939,922 | $-4,905,819 | $-10,088,521 |
| Net Intangibles Purchase And Sale | $-64,422,290 | $-71,204,180 | $-81,378,030 | $-65,961,399 |
| Purchase Of Intangibles | $-64,422,290 | $-71,204,180 | $-81,378,030 | $-65,961,399 |
| Net PPE Purchase And Sale | $-86,482,079 | $-17,198,375 | $-33,370,483 | $-23,428,530 |
| Sale Of PPE | $1,004,499 | $13,194,602 | $9,481,062 | $15,763,460 |
| Purchase Of PPE | $-87,486,577 | $-30,392,977 | $-42,851,546 | $-39,191,990 |
| Taxes Refund Paid | $-88,692,498 | $-105,489,189 | $-130,641,417 | $-96,988,246 |
| Change In Working Capital | $-295,350,459 | $-55,061,095 | $-51,152,808 | $-1,057,131,338 |
| Change In Other Working Capital | $560,589,758 | $904,657,095 | $773,323,471 | $-419,780,296 |
| Change In Other Current Assets | $-306,528,517 | $29,291,830 | $-71,622,407 | $65,493,833 |
| Change In Payables And Accrued Expense | $77,820,056 | $377,904,516 | $218,620,231 | $179,841,824 |
| Change In Payable | $77,820,056 | $377,904,516 | $218,620,231 | $179,841,824 |
| Change In Account Payable | $77,820,056 | $377,904,516 | $218,620,231 | $179,841,824 |
| Change In Receivables | $154,241,185 | $-54,183,428 | $-134,440,866 | $47,259,614 |
| Changes In Account Receivables | $6,528,515 | $17,033,232 | $-48,604,847 | $-48,891,018 |
| Other Non Cash Items | $764,185 | $8,500,943 | $1,200,987 | $3,674,648 |
| Deferred Tax | $-10,880,859 | $29,038,746 | $29,674,648 | $-128,283 |
| Deferred Income Tax | $-10,880,859 | $29,038,746 | $29,674,648 | $-128,283 |
| Depreciation Amortization Depletion | $130,682,630 | $119,883,037 | $110,009,578 | $97,584,096 |
| Depreciation And Amortization | $130,682,630 | $119,883,037 | $110,009,578 | $97,584,096 |
| Gain Loss On Investment Securities | $-134,693,950 | $-31,500,218 | $-6,272,529 | $93,612,248 |
| Net Foreign Currency Exchange Gain Loss | $-11,030,039 | $7,007,401 | $-2,445,799 | $7,394,573 |
| Gain Loss On Sale Of PPE | $-603,106 | $-3,737,919 | $-4,440,575 | $-3,418,952 |
| Net Income From Continuing Operations | $563,980,558 | $379,469,165 | $313,242,202 | $487,045,135 |
| Sale Of Investment | - | $209,571,907 | - | - |
| Net Business Purchase And Sale | - | $0 | $0 | $-56,077,493 |
| Purchase Of Business | - | $0 | $0 | $-56,077,493 |
| Earnings Losses From Equity Investments | - | $0 | $0 | $-64,580,758 |
| Amortization Cash Flow | - | - | $64,726,455 | - |
| Amortization Of Intangibles | - | - | $64,726,455 | - |
| Depreciation | - | - | $45,283,123 | - |
| Net Short Term Debt Issuance | - | - | - | - |
Fetched: 2026-10-23