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IFS

Intercorp Financial Services Inc.

Price Chart
Latest Quote

$55.21

+0.59 (+1.08%)
Current Price
Previous Close $54.62
Open $54.12
Day High $55.32
Day Low $54.33
Volume 98,343
Fetched: 2026-09-02T12:09:20
Stock Information
Note: Financial values converted from PEN to USD
Quarterly Dividend / Yield $1.80 / 3.26%
Shares Outstanding 110.40M
Quarterly Dividend Yield 3.26%
Quarterly Dividend $1.80
Total Debt $4.28B
Cash Equivalents $1.96B
Revenue $1.75B
Net Income $622.38M
Sector Financial Services
Industry Banks - Regional
Market Cap $6.10B
P/E Ratio 10.13
EPS (TTM) $5.45
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$13.97B
Sales$1.75B
Income$622.38M
Book/sh$33.93
Cash/sh$59.62
Employees9K
Financial Ratios
EPS Growth TTM0.90%
Returns & Margins
ROA2.07%
ROE17.23%
Operating Margin44.69%
Profit Margin35.66%
Ownership
Insider Ownership73.38%
Institutional Ownership23.54%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E8.07
P/S1.04
P/B1.63
Analyst Data
Recommendationbuy
Target Price$67.78
Technical Indicators
SMA20$55.79
SMA50$57.28
SMA200$48.18
RSI35.49
ATR1.4464
Shares Float28.86M
Short Float1.03%
Short Ratio1.20
Volatility0.44
Rel Volume0.40
Performance History
Week+0.42%
Month-5.32%
Quarter+10.09%
6 Months+19.40%
YTD+36.09%
Year+44.00%
3 Years+160.92%
5 Years+243.55%
10 Years+104.59%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-09-01 $55.21 98,300
2026-08-31 $54.62 240,800
2026-08-27 $54.36 222,500
2026-08-26 $54.87 131,200
2026-08-25 $54.57 117,000
2026-08-24 $54.98 220,200
2026-08-21 $54.89 211,900
2026-08-20 $53.74 310,600
2026-08-19 $53.90 513,500
2026-08-18 $54.05 261,800
2026-08-17 $54.64 260,400
2026-08-14 $54.69 223,900
2026-08-13 $54.67 524,500
2026-08-12 $54.87 459,400
2026-08-11 $57.18 144,100
2026-08-10 $58.40 103,000
2026-08-07 $58.94 136,100
2026-08-06 $58.97 347,100
2026-08-05 $59.25 217,800
2026-08-04 $59.00 131,200
2026-08-03 $59.80 232,200
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.

Period:
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $2,062,580,131 $1,951,511,356 $1,890,728,664 $1,757,814,098
Operating Revenue $2,062,580,131 $1,951,511,356 $1,890,728,664 $1,757,814,098
Expenses
Interest Expense $616,479,537 $693,490,617 $734,614,934 $457,290,596
Rent Expense Supplemental $5,531,400 $5,352,525 $4,615,821 $5,518,261
General And Administrative Expense $805,015,389 $754,589,850 $718,637,390 $715,310,428
Other Non Interest Expense $38,348,315 $52,087,975 $49,695,106 $52,751,218
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $565,731,783 $395,443,610 $317,825,130 $505,719,838
Net Interest Income $1,417,623,573 $1,390,898,873 $1,378,931,244 $1,272,447,532
Interest Income $2,034,103,109 $2,084,389,490 $2,113,546,178 $1,729,738,128
Normalized Income $555,968,914 $393,070,480 $325,038,757 $499,946,421
Net Income From Continuing And Discontinued Operation $565,731,783 $395,443,610 $317,825,130 $505,719,838
Net Income Common Stockholders $577,080,665 $388,233,648 $320,341,629 $498,111,512
Net Income $577,080,665 $388,233,648 $320,341,629 $498,111,512
Net Income Including Noncontrolling Interests $580,283,401 $390,438,384 $322,297,015 $501,124,024
Net Income Extraordinary $11,348,882 $-7,209,962 $2,516,499 $-7,608,326
Net Income Continuous Operations $568,934,519 $397,648,346 $319,780,516 $508,732,350
Pretax Income $727,280,147 $491,525,075 $402,079,916 $646,856,699
Special Income Charges $-17,711,948 $-15,061,666 $-11,174,486 $1,646,609
Depreciation Amortization Depletion Income Statement $134,460,240 $123,348,465 $113,189,597 $100,404,934
Depreciation And Amortization In Income Statement $134,460,240 $123,348,465 $113,189,597 $100,404,934
Per Share
Diluted EPS $5.17 $3.40 $2.79 $4.30
Basic EPS $5.17 $3.40 $2.79 $4.30
Other
Tax Effect Of Unusual Items $2,717,198 $560,248 $-1,837,348 $1,590,635
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $12,480,067 $2,933,377 $-9,050,975 $7,364,052
Total Unusual Items Excluding Goodwill $12,480,067 $2,933,377 $-9,050,975 $7,364,052
Reconciled Depreciation $134,460,240 $123,348,465 $113,189,597 $100,404,934
Diluted Average Shares $33,360,110 $34,128,767 $34,345,269 $34,466,510
Basic Average Shares $33,360,110 $34,128,767 $34,345,269 $34,466,510
Diluted NI Availto Com Stockholders $577,080,665 $388,233,648 $320,341,629 $498,111,512
Minority Interests $-3,202,735 $-2,204,736 $-1,955,386 $-3,012,512
Tax Provision $158,345,629 $93,876,729 $82,299,401 $138,124,348
Other Special Charges $-620,539 $-3,845,970 $-4,568,937 $-3,517,783
Write Off $945,442 $3,105,683 $1,031,744 $1,871,174
Restructuring And Mergern Acquisition $17,387,046 $15,801,953 $14,711,679 -
Gain On Sale Of Security $59,822,320 $18,219,906 $4,214,173 $-100,126,319
Selling General And Administration $805,015,389 $754,589,850 $718,637,390 $715,310,428
Other Gand A $407,926,066 $377,597,281 $364,981,938 $332,110,674
Insurance And Claims $75,796,877 $102,183,237 $95,804,045 $117,735,839
Rent And Landing Fees $5,531,400 $5,352,525 $4,615,821 $5,518,261
Salaries And Wages $315,761,045 $269,456,807 $253,235,587 $259,945,654
Impairment Of Capital Assets - - - -
Fetched: 2026-08-29
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $3,201,984,391 $2,761,514,054 $2,467,553,708 $2,311,125,539
Total Assets $29,592,805,627 $28,519,659,020 $26,764,051,748 $26,124,194,482
Goodwill And Other Intangible Assets $485,593,221 $498,029,988 $503,813,426 $487,712,252
Other Intangible Assets $285,791,803 $298,228,570 $304,012,008 $287,910,835
Prepaid Assets $66,667,066 $201,208,233 $126,093,112 $7,990,862
Receivables $1,604,459,362 $1,637,009,606 $1,516,861,487 $1,173,702,645
Other Receivables $932,828,273 $957,262,233 $852,494,411 $748,999,621
Notes Receivable $509,009,473 $509,716,015 $468,065,524 $267,144,865
Accounts Receivable $162,621,616 $170,031,358 $196,301,552 $157,558,159
Cash And Cash Equivalents $3,699,330,830 $3,642,436,213 $2,866,523,163 $3,883,266,688
Cash Financial $701,393,385 $852,028,260 $671,557,628 $855,630,852
Cash Cash Equivalents And Federal Funds Sold $4,199,796,689 $3,827,512,813 $3,081,738,324 $4,023,095,280
Debt
Total Debt $3,283,411,812 $3,529,234,671 $3,247,669,583 $3,128,054,208
Long Term Debt And Capital Lease Obligation $2,616,633,054 $2,802,884,138 $2,645,254,011 $2,571,574,971
Long Term Debt $2,573,558,128 $2,759,941,205 $2,619,033,687 $2,537,955,655
Current Debt And Capital Lease Obligation $666,778,758 $726,350,533 $602,415,572 $556,479,238
Current Debt $666,778,758 $726,350,533 $601,606,601 $556,479,238
Other Current Borrowings $16,429,958 $0 - -
Net Debt - - $354,117,124 -
Liabilities
Total Liabilities Net Minority Interest $25,883,352,959 $25,241,194,203 $23,775,399,100 $23,309,302,998
Non Current Deferred Liabilities $693,295,616 $443,595,729 $331,361,726 $302,326,280
Non Current Deferred Taxes Liabilities $40,650,402 $42,002,270 $22,609,371 $24,456,954
Payables And Accrued Expenses $449,630,011 $457,084,844 $418,731,752 $468,940,789
Payables $449,630,011 $457,084,844 $418,731,752 $468,940,789
Other Payable $346,409,954 $300,124,231 $324,060,087 $392,140,238
Total Tax Payable $29,586,407 $26,058,471 $23,988,712 $41,454,595
Income Tax Payable $29,586,407 $26,058,471 $23,988,712 $41,454,595
Accounts Payable $73,633,650 $130,902,143 $70,682,952 $35,345,956
Equity
Common Stock Equity $3,687,577,612 $3,259,544,042 $2,971,367,134 $2,798,837,792
Total Equity Gross Minority Interest $3,709,452,668 $3,278,464,817 $2,988,652,648 $2,814,891,485
Stockholders Equity $3,687,577,612 $3,259,544,042 $2,971,367,134 $2,798,837,792
Gains Losses Not Affecting Retained Earnings $2,706,711,891 $2,422,483,381 $1,655,032,421 $1,626,177,044
Other Equity Adjustments $2,698,689,674 $2,667,447,699 $2,004,049,656 $2,300,066,024
Retained Earnings $652,009,146 $429,800,823 $872,437,374 $704,591,044
Long Term Equity Investment $8,139,577 $7,404,366 $6,733,359 $6,787,111
Other
Treasury Shares Number $1,303,509 $644,802 $288,976 $8,981
Ordinary Shares Number $33,171,871 $33,830,579 $34,186,404 $34,466,400
Share Issued $34,475,380 $34,475,380 $34,475,380 $34,475,380
Tangible Book Value $3,201,984,391 $2,761,514,054 $2,467,553,708 $2,311,125,539
Invested Capital $6,927,914,499 $6,745,835,779 $6,192,007,421 $5,893,272,685
Capital Lease Obligations $43,074,925 $42,942,934 $27,029,295 $33,619,315
Total Capitalization $6,261,135,741 $6,019,485,246 $5,590,400,820 $5,336,793,447
Minority Interest $21,875,056 $18,920,775 $17,285,514 $16,053,693
Foreign Currency Translation Adjustments $29,753,039 $59,932,810 $56,424,882 $62,985,637
Unrealized Gain Loss $-21,730,821 $-304,897,128 $-405,442,117 $-736,874,617
Treasury Stock $140,217,399 $61,814,138 $25,176,636 $1,004,270
Additional Paid In Capital $159,097,861 $159,097,861 $159,097,861 $159,097,861
Capital Stock $309,976,114 $309,976,114 $309,976,114 $309,976,114
Common Stock $309,976,114 $309,976,114 $309,976,114 $309,976,114
Employee Benefits $226,042,646 $212,561,892 $227,118,287 $275,118,109
Non Current Deferred Revenue $652,645,214 $401,593,459 $308,752,355 $277,869,326
Long Term Capital Lease Obligation $43,074,925 $42,942,934 $26,220,325 $33,619,315
Long Term Provisions $16,899,991 $36,230,777 $26,458,925 $34,281,662
Line Of Credit $589,957,005 $624,369,166 $601,606,601 $556,479,238
Commercial Paper $60,391,795 $101,981,367 - -
Investments And Advances $8,477,688,161 $8,076,799,752 $8,016,828,419 $6,852,591,835
Available For Sale Securities $1,834,496,095 $1,743,609,183 $1,532,522,490 $1,604,419,645
Goodwill $199,801,418 $199,801,418 $199,801,418 $199,801,418
Net PPE $288,856,276 $243,208,412 $240,341,628 $236,340,075
Accumulated Depreciation $-417,487,388 $-376,058,176 $-354,643,299 $-320,585,604
Gross PPE $706,343,664 $619,266,589 $594,984,927 $556,925,679
Construction In Progress $15,425,688 $10,851,973 $12,902,320 $10,157,375
Other Properties $124,229,404 $116,263,327 $95,494,671 $84,666,588
Machinery Furniture Equipment $304,528,925 $274,493,687 $266,012,784 $240,710,129
Buildings And Improvements $193,800,582 $184,333,027 $183,001,764 $179,224,179
Land And Improvements $68,359,066 $33,324,574 $37,573,387 $42,167,409
Other Short Term Investments $6,635,052,489 $6,325,786,203 $6,477,572,569 $5,241,385,079
Current Capital Lease Obligation - $0 $808,971 -
Fetched: 2026-08-29
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $390,353,575 $764,469,505 $730,778,819 $-410,422,856
Operating Activities
Operating Cash Flow $546,653,633 $869,003,504 $858,599,467 $-302,229,824
Cash Flow From Continuing Operating Activities $546,653,633 $869,003,504 $858,599,467 $-302,229,824
Operating Gains Losses $-101,983,756 $-31,902,530 $-13,423,120 $32,051,841
Investing Activities
Capital Expenditure $-156,300,059 $-104,534,000 $-127,820,648 $-108,193,031
Investing Cash Flow $-280,276,529 $-2,103,802 $-1,054,954,174 $-416,148,660
Cash Flow From Continuing Investing Activities $-280,276,529 $-2,103,802 $-1,054,954,174 $-416,148,660
Net Other Investing Changes - - - $299
Financing Activities
Repurchase Of Capital Stock $-78,403,262 $-36,637,502 $-24,172,366 $0
Financing Cash Flow $-118,620,063 $-3,681,429 $-899,882,055 $-381,109,988
Cash Flow From Continuing Financing Activities $-118,620,063 $-3,681,429 $-899,882,055 $-381,109,988
Net Other Financing Charges $-907,815 $-869,293 $-1,426,225 $-1,246,454
Cash Dividends Paid $-121,488,937 $-127,622,362 $-152,831,847 $-224,425,003
Common Stock Dividend Paid $-121,488,937 $-127,622,362 $-152,831,847 $-224,425,003
Net Common Stock Issuance $-78,403,262 $-36,637,502 $-24,172,366 $0
Other
Repayment Of Debt $-473,557,804 $-439,151,318 $-748,699,504 $-164,541,167
Issuance Of Debt $555,737,756 $600,599,046 $27,247,888 $9,102,637
Interest Paid Supplemental Data $631,339,333 $724,582,981 $673,061,495 $416,780,547
Income Tax Paid Supplemental Data $91,256,310 $108,538,539 $134,417,835 $99,791,861
End Cash Position $3,687,384,104 $3,576,721,159 $2,709,771,287 $3,794,838,640
Beginning Cash Position $3,576,721,159 $2,709,771,287 $3,794,838,640 $4,902,293,785
Effect Of Exchange Rate Changes $-37,094,097 $3,731,597 $11,169,409 $-7,966,674
Changes In Cash $147,757,042 $863,218,274 $-1,096,236,762 $-1,099,488,472
Common Stock Payments $-78,403,262 $-36,637,502 $-24,172,366 $0
Net Issuance Payments Of Debt $82,179,951 $161,447,728 $-721,451,617 $-155,438,530
Net Long Term Debt Issuance $82,179,951 $161,447,728 $-721,451,617 $-155,438,530
Long Term Debt Payments $-473,557,804 $-439,151,318 $-748,699,504 $-164,541,167
Long Term Debt Issuance $555,737,756 $600,599,046 $27,247,888 $9,102,637
Net Investment Purchase And Sale $-106,279,453 $95,613,821 $-931,841,024 $-256,096,100
Purchase Of Investment $-106,279,453 $-120,016,127 $-931,841,024 $-256,096,399
Net Investment Properties Purchase And Sale $-18,730,552 $-6,759,638 $-5,047,630 $-10,380,148
Sale Of Investment Properties $0 $11,698,868 $0 $0
Purchase Of Investment Properties $-18,730,552 $-18,458,507 $-5,047,630 $-10,380,148
Net Intangibles Purchase And Sale $-66,284,529 $-73,262,461 $-83,730,404 $-67,868,129
Purchase Of Intangibles $-66,284,529 $-73,262,461 $-83,730,404 $-67,868,129
Net PPE Purchase And Sale $-88,981,994 $-17,695,524 $-34,335,116 $-24,105,773
Sale Of PPE $1,033,535 $13,576,015 $9,755,129 $16,219,130
Purchase Of PPE $-90,015,530 $-31,271,539 $-44,090,245 $-40,324,903
Taxes Refund Paid $-91,256,310 $-108,538,539 $-134,417,835 $-99,791,861
Change In Working Capital $-303,888,080 $-56,652,732 $-52,631,470 $-1,087,689,564
Change In Other Working Capital $576,794,584 $930,807,787 $795,677,735 $-431,914,778
Change In Other Current Assets $-315,389,259 $30,138,562 $-73,692,777 $67,387,047
Change In Payables And Accrued Expense $80,069,580 $388,828,505 $224,939,830 $185,040,466
Change In Payable $80,069,580 $388,828,505 $224,939,830 $185,040,466
Change In Account Payable $80,069,580 $388,828,505 $224,939,830 $185,040,466
Change In Receivables $158,699,796 $-55,749,695 $-138,327,114 $48,625,736
Changes In Account Receivables $6,717,234 $17,525,607 $-50,009,855 $-50,304,298
Other Non Cash Items $786,275 $8,746,678 $1,235,703 $3,780,870
Deferred Tax $-11,195,389 $29,878,162 $30,532,446 $-131,992
Deferred Income Tax $-11,195,389 $29,878,162 $30,532,446 $-131,992
Depreciation Amortization Depletion $134,460,240 $123,348,465 $113,189,597 $100,404,934
Depreciation And Amortization $134,460,240 $123,348,465 $113,189,597 $100,404,934
Gain Loss On Investment Securities $-138,587,513 $-32,410,787 $-6,453,848 $96,318,274
Net Foreign Currency Exchange Gain Loss $-11,348,882 $7,209,962 $-2,516,499 $7,608,326
Gain Loss On Sale Of PPE $-620,539 $-3,845,970 $-4,568,937 $-3,517,783
Net Income From Continuing Operations $580,283,401 $390,438,384 $322,297,015 $501,124,024
Sale Of Investment - $215,629,949 - -
Net Business Purchase And Sale - $0 $0 $-57,698,511
Purchase Of Business - $0 $0 $-57,698,511
Earnings Losses From Equity Investments - $0 $0 $-66,447,577
Amortization Cash Flow - - $66,597,486 -
Amortization Of Intangibles - - $66,597,486 -
Depreciation - - $46,592,111 -
Net Short Term Debt Issuance - - - -
Fetched: 2026-08-29