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IFS

Intercorp Financial Services Inc.

Price Chart
Latest Quote

$59.46

+0.73 (+1.24%)
Current Price
Previous Close $58.73
Open $57.89
Day High $59.69
Day Low $57.00
Volume 91,109
Fetched: 2026-07-18T13:07:50
Stock Information
Note: Financial values converted from PEN to USD
Quarterly Dividend / Yield $1.80 / 3.03%
Shares Outstanding 111.07M
Quarterly Dividend Yield 3.03%
Quarterly Dividend $1.80
Total Debt $4.22B
Cash Equivalents $2.17B
Revenue $1.71B
Net Income $615.74M
Sector Financial Services
Industry Banks - Regional
Market Cap $6.60B
P/E Ratio 11.05
EPS (TTM) $5.38
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$13.62B
Sales$1.71B
Income$615.74M
Book/sh$31.79
Cash/sh$66.13
Employees9K
Financial Ratios
EPS Growth TTM34.90%
Returns & Margins
ROA2.12%
ROE17.97%
Operating Margin46.89%
Profit Margin35.92%
Ownership
Insider Ownership73.38%
Institutional Ownership24.44%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E8.99
P/S1.14
P/B1.87
Analyst Data
Recommendationnone
Target Price$65.32
Technical Indicators
SMA20$57.81
SMA50$52.68
SMA200$45.50
RSI65.30
ATR1.8004
Shares Float29.53M
Short Float1.46%
Short Ratio1.10
Volatility0.54
Rel Volume0.44
Performance History
Week-2.01%
Month+6.54%
Quarter+25.82%
6 Months+36.48%
YTD+46.56%
Year+67.55%
3 Years+172.31%
5 Years+215.02%
10 Years+120.33%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $59.46 108,100
2026-07-16 $58.73 223,100
2026-07-15 $60.07 212,300
2026-07-14 $59.97 129,000
2026-07-13 $59.78 139,900
2026-07-10 $60.68 223,900
2026-07-09 $58.45 119,300
2026-07-08 $57.27 141,600
2026-07-07 $58.26 121,100
2026-07-06 $59.03 194,900
2026-07-02 $58.13 296,200
2026-07-01 $58.29 312,000
2026-06-30 $56.96 197,300
2026-06-29 $56.30 151,400
2026-06-26 $55.79 208,800
2026-06-25 $55.78 416,500
2026-06-24 $54.76 480,500
2026-06-23 $54.84 280,800
2026-06-22 $56.40 260,900
2026-06-18 $57.28 747,700
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 $2,025,561,439 $1,916,486,100 $1,856,794,321 $1,726,265,274
Operating Revenue $2,025,561,439 $1,916,486,100 $1,856,794,321 $1,726,265,274
Expenses
Interest Expense $605,415,111 $681,044,014 $721,430,242 $449,083,254
Rent Expense Supplemental $5,432,124 $5,256,459 $4,532,977 $5,419,220
General And Administrative Expense $790,567,166 $741,046,653 $705,739,460 $702,472,208
Other Non Interest Expense $37,660,048 $51,153,113 $48,803,190 $51,804,451
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $555,578,166 $388,346,283 $312,120,881 $496,643,300
Net Interest Income $1,392,180,406 $1,365,935,355 $1,354,182,518 $1,249,609,950
Interest Income $1,997,595,517 $2,046,979,369 $2,075,612,760 $1,698,693,205
Normalized Income $545,990,518 $386,015,746 $319,205,040 $490,973,503
Net Income From Continuing And Discontinued Operation $555,578,166 $388,346,283 $312,120,881 $496,643,300
Net Income Common Stockholders $566,723,360 $381,265,724 $314,592,215 $489,171,526
Net Income $566,723,360 $381,265,724 $314,592,215 $489,171,526
Net Income Including Noncontrolling Interests $569,868,614 $383,430,890 $316,512,505 $492,129,971
Net Income Extraordinary $11,145,195 $-7,080,559 $2,471,333 $-7,471,773
Net Income Continuous Operations $558,723,419 $390,511,449 $314,041,172 $499,601,744
Pretax Income $714,227,098 $482,703,302 $394,863,483 $635,247,070
Special Income Charges $-17,394,058 $-14,791,343 $-10,973,929 $1,617,056
Depreciation Amortization Depletion Income Statement $132,046,980 $121,134,637 $111,158,098 $98,602,891
Depreciation And Amortization In Income Statement $132,046,980 $121,134,637 $111,158,098 $98,602,891
Per Share
Diluted EPS $5.07 $3.34 $2.74 $4.22
Basic EPS $5.07 $3.34 $2.74 $4.22
Other
Tax Effect Of Unusual Items $2,668,430 $550,193 $-1,804,372 $1,562,087
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $12,256,078 $2,880,730 $-8,888,530 $7,231,884
Total Unusual Items Excluding Goodwill $12,256,078 $2,880,730 $-8,888,530 $7,231,884
Reconciled Depreciation $132,046,980 $121,134,637 $111,158,098 $98,602,891
Diluted Average Shares $32,761,371 $33,516,232 $33,728,848 $33,847,913
Basic Average Shares $32,761,371 $33,516,232 $33,728,848 $33,847,913
Diluted NI Availto Com Stockholders $566,723,360 $381,265,724 $314,592,215 $489,171,526
Minority Interests $-3,145,254 $-2,165,166 $-1,920,291 $-2,958,445
Tax Provision $155,503,679 $92,191,852 $80,822,311 $135,645,326
Other Special Charges $-609,402 $-3,776,944 $-4,486,935 $-3,454,647
Write Off $928,473 $3,049,943 $1,013,226 $1,837,591
Restructuring And Mergern Acquisition $17,074,987 $15,518,344 $14,447,638 -
Gain On Sale Of Security $58,748,643 $17,892,900 $4,138,538 $-98,329,276
Selling General And Administration $790,567,166 $741,046,653 $705,739,460 $702,472,208
Other Gand A $400,604,707 $370,820,256 $358,431,330 $326,150,031
Insurance And Claims $74,436,493 $100,349,276 $94,084,577 $115,622,745
Rent And Landing Fees $5,432,124 $5,256,459 $4,532,977 $5,419,220
Salaries And Wages $310,093,842 $264,620,661 $248,690,576 $255,280,212
Impairment Of Capital Assets - - - -
Fetched: 2026-07-15
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $3,144,515,946 $2,711,951,064 $2,423,266,648 $2,269,646,015
Total Assets $29,061,681,075 $28,007,795,045 $26,283,696,990 $25,655,323,728
Goodwill And Other Intangible Assets $476,877,911 $489,091,465 $494,771,104 $478,958,910
Other Intangible Assets $280,662,481 $292,876,035 $298,555,674 $282,743,480
Prepaid Assets $65,470,541 $197,596,996 $123,830,023 $7,847,444
Receivables $1,575,662,912 $1,607,628,951 $1,489,637,222 $1,152,637,313
Other Receivables $916,086,096 $940,081,521 $837,194,047 $735,556,756
Notes Receivable $499,873,893 $500,567,755 $459,664,796 $262,350,214
Accounts Receivable $159,702,923 $166,979,676 $192,778,379 $154,730,343
Cash And Cash Equivalents $3,632,936,131 $3,577,062,645 $2,815,075,495 $3,813,570,752
Cash Financial $688,804,945 $836,736,262 $659,504,673 $840,274,196
Cash Cash Equivalents And Federal Funds Sold $4,124,419,749 $3,758,817,534 $3,026,428,026 $3,950,889,734
Debt
Total Debt $3,224,481,927 $3,465,892,817 $3,189,381,191 $3,071,912,644
Long Term Debt And Capital Lease Obligation $2,569,670,353 $2,752,578,649 $2,597,777,629 $2,525,420,962
Long Term Debt $2,527,368,527 $2,710,406,444 $2,572,027,901 $2,492,405,038
Current Debt And Capital Lease Obligation $654,811,573 $713,314,168 $591,603,562 $546,491,682
Current Debt $654,811,573 $713,314,168 $590,809,110 $546,491,682
Other Current Borrowings $16,135,077 $0 - -
Net Debt - - $347,761,515 -
Liabilities
Total Liabilities Net Minority Interest $25,418,804,771 $24,788,171,325 $23,348,683,960 $22,890,953,238
Non Current Deferred Liabilities $680,852,513 $435,634,180 $325,414,526 $296,900,200
Non Current Deferred Taxes Liabilities $39,920,819 $41,248,423 $22,203,584 $24,018,006
Payables And Accrued Expenses $441,560,160 $448,881,196 $411,216,455 $460,524,352
Payables $441,560,160 $448,881,196 $411,216,455 $460,524,352
Other Payable $340,192,672 $294,737,674 $318,243,935 $385,102,200
Total Tax Payable $29,055,397 $25,590,780 $23,558,169 $40,710,578
Income Tax Payable $29,055,397 $25,590,780 $23,558,169 $40,710,578
Accounts Payable $72,312,091 $128,552,743 $69,414,352 $34,711,575
Equity
Common Stock Equity $3,621,393,857 $3,201,042,530 $2,918,037,752 $2,748,604,925
Total Equity Gross Minority Interest $3,642,876,305 $3,219,623,720 $2,935,013,029 $2,764,370,490
Stockholders Equity $3,621,393,857 $3,201,042,530 $2,918,037,752 $2,748,604,925
Gains Losses Not Affecting Retained Earnings $2,658,132,478 $2,379,005,233 $1,625,328,297 $1,596,990,810
Other Equity Adjustments $2,650,254,241 $2,619,572,989 $1,968,081,455 $2,258,784,992
Retained Earnings $640,307,043 $422,086,862 $856,779,078 $691,945,213
Long Term Equity Investment $7,993,489 $7,271,474 $6,612,511 $6,665,298
Other
Treasury Shares Number $1,280,114 $633,229 $283,790 $8,820
Ordinary Shares Number $32,576,511 $33,223,395 $33,572,835 $33,847,805
Share Issued $33,856,625 $33,856,625 $33,856,625 $33,856,625
Tangible Book Value $3,144,515,946 $2,711,951,064 $2,423,266,648 $2,269,646,015
Invested Capital $6,803,573,957 $6,624,763,143 $6,080,874,763 $5,787,501,645
Capital Lease Obligations $42,301,827 $42,172,204 $26,544,180 $33,015,924
Total Capitalization $6,148,762,384 $5,911,448,974 $5,490,065,652 $5,241,009,963
Minority Interest $21,482,448 $18,581,190 $16,975,278 $15,765,565
Foreign Currency Translation Adjustments $29,219,038 $58,857,151 $55,412,182 $61,855,186
Unrealized Gain Loss $-21,340,802 $-299,424,908 $-398,165,339 $-723,649,369
Treasury Stock $137,700,811 $60,704,712 $24,724,772 $986,246
Additional Paid In Capital $156,242,411 $156,242,411 $156,242,411 $156,242,411
Capital Stock $304,412,737 $304,412,737 $304,412,737 $304,412,737
Common Stock $304,412,737 $304,412,737 $304,412,737 $304,412,737
Employee Benefits $221,985,687 $208,746,883 $223,042,023 $270,180,355
Non Current Deferred Revenue $640,931,694 $394,385,756 $303,210,942 $272,882,194
Long Term Capital Lease Obligation $42,301,827 $42,172,204 $25,749,729 $33,015,924
Long Term Provisions $16,596,674 $35,580,515 $25,984,046 $33,666,383
Line Of Credit $579,368,599 $613,163,138 $590,809,110 $546,491,682
Commercial Paper $59,307,897 $100,151,030 - -
Investments And Advances $8,325,532,655 $7,931,839,294 $7,872,944,312 $6,729,603,167
Available For Sale Securities $1,801,571,001 $1,712,315,305 $1,505,017,145 $1,575,623,907
Goodwill $196,215,430 $196,215,430 $196,215,430 $196,215,430
Net PPE $283,671,953 $238,843,366 $236,028,034 $232,098,300
Accumulated Depreciation $-409,994,425 $-369,308,775 $-348,278,246 $-314,831,811
Gross PPE $693,666,378 $608,152,141 $584,306,281 $546,930,111
Construction In Progress $15,148,831 $10,657,204 $12,670,753 $9,975,073
Other Properties $121,999,765 $114,176,661 $93,780,755 $83,147,013
Machinery Furniture Equipment $299,063,314 $269,567,141 $261,238,451 $236,389,922
Buildings And Improvements $190,322,295 $181,024,662 $179,717,292 $176,007,506
Land And Improvements $67,132,173 $32,726,473 $36,899,029 $41,410,598
Other Short Term Investments $6,515,968,164 $6,212,252,515 $6,361,314,656 $5,147,313,961
Current Capital Lease Obligation - $0 $794,451 -
Fetched: 2026-07-15
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $383,347,603 $750,748,990 $717,662,976 $-403,056,685
Operating Activities
Operating Cash Flow $536,842,426 $853,406,839 $843,189,530 $-296,805,476
Cash Flow From Continuing Operating Activities $536,842,426 $853,406,839 $843,189,530 $-296,805,476
Operating Gains Losses $-100,153,376 $-31,329,951 $-13,182,205 $31,476,583
Investing Activities
Capital Expenditure $-153,494,823 $-102,657,848 $-125,526,554 $-106,251,209
Investing Cash Flow $-275,246,193 $-2,066,043 $-1,036,020,111 $-408,679,724
Cash Flow From Continuing Investing Activities $-275,246,193 $-2,066,043 $-1,036,020,111 $-408,679,724
Net Other Investing Changes - - - $293
Financing Activities
Repurchase Of Capital Stock $-76,996,099 $-35,979,941 $-23,738,526 $0
Financing Cash Flow $-116,491,099 $-3,615,355 $-883,731,188 $-374,269,917
Cash Flow From Continuing Financing Activities $-116,491,099 $-3,615,355 $-883,731,188 $-374,269,917
Net Other Financing Charges $-891,522 $-853,691 $-1,400,628 $-1,224,083
Cash Dividends Paid $-119,308,483 $-125,331,827 $-150,088,858 $-220,397,078
Common Stock Dividend Paid $-119,308,483 $-125,331,827 $-150,088,858 $-220,397,078
Net Common Stock Issuance $-76,996,099 $-35,979,941 $-23,738,526 $0
Other
Repayment Of Debt $-465,058,503 $-431,269,536 $-735,262,026 $-161,588,022
Issuance Of Debt $545,763,508 $589,819,639 $26,758,849 $8,939,265
Interest Paid Supplemental Data $620,008,207 $711,578,340 $660,981,549 $409,300,270
Income Tax Paid Supplemental Data $89,618,463 $106,590,515 $132,005,336 $98,000,820
End Cash Position $3,621,203,822 $3,512,527,029 $2,661,136,965 $3,726,729,790
Beginning Cash Position $3,512,527,029 $2,661,136,965 $3,726,729,790 $4,814,308,597
Effect Of Exchange Rate Changes $-36,428,341 $3,664,624 $10,968,943 $-7,823,690
Changes In Cash $145,105,134 $847,725,440 $-1,076,561,768 $-1,079,755,117
Common Stock Payments $-76,996,099 $-35,979,941 $-23,738,526 $0
Net Issuance Payments Of Debt $80,705,005 $158,550,103 $-708,503,177 $-152,648,757
Net Long Term Debt Issuance $80,705,005 $158,550,103 $-708,503,177 $-152,648,757
Long Term Debt Payments $-465,058,503 $-431,269,536 $-735,262,026 $-161,588,022
Long Term Debt Issuance $545,763,508 $589,819,639 $26,758,849 $8,939,265
Net Investment Purchase And Sale $-104,371,975 $93,897,768 $-915,116,566 $-251,499,749
Purchase Of Investment $-104,371,975 $-117,862,107 $-915,116,566 $-251,500,042
Net Investment Properties Purchase And Sale $-18,394,381 $-6,638,318 $-4,957,037 $-10,193,847
Sale Of Investment Properties $0 $11,488,900 $0 $0
Purchase Of Investment Properties $-18,394,381 $-18,127,218 $-4,957,037 $-10,193,847
Net Intangibles Purchase And Sale $-65,094,870 $-71,947,564 $-82,227,631 $-66,650,048
Purchase Of Intangibles $-65,094,870 $-71,947,564 $-82,227,631 $-66,650,048
Net PPE Purchase And Sale $-87,384,967 $-17,377,929 $-33,718,877 $-23,673,128
Sale Of PPE $1,014,986 $13,332,356 $9,580,046 $15,928,033
Purchase Of PPE $-88,399,952 $-30,710,285 $-43,298,923 $-39,601,161
Taxes Refund Paid $-89,618,463 $-106,590,515 $-132,005,336 $-98,000,820
Change In Working Capital $-298,433,970 $-55,635,942 $-51,686,853 $-1,068,167,974
Change In Other Working Capital $566,442,414 $914,101,873 $781,397,103 $-424,162,876
Change In Other Current Assets $-309,728,729 $29,597,642 $-72,370,157 $66,177,600
Change In Payables And Accrued Expense $78,632,511 $381,849,905 $220,902,664 $181,719,404
Change In Payable $78,632,511 $381,849,905 $220,902,664 $181,719,404
Change In Account Payable $78,632,511 $381,849,905 $220,902,664 $181,719,404
Change In Receivables $155,851,490 $-54,749,112 $-135,844,452 $47,753,013
Changes In Account Receivables $6,596,674 $17,211,062 $-49,112,290 $-49,401,448
Other Non Cash Items $772,163 $8,589,695 $1,213,525 $3,713,012
Deferred Tax $-10,994,457 $29,341,916 $29,984,457 $-129,623
Deferred Income Tax $-10,994,457 $29,341,916 $29,984,457 $-129,623
Depreciation Amortization Depletion $132,046,980 $121,134,637 $111,158,098 $98,602,891
Depreciation And Amortization $132,046,980 $121,134,637 $111,158,098 $98,602,891
Gain Loss On Investment Securities $-136,100,178 $-31,829,086 $-6,338,016 $94,589,577
Net Foreign Currency Exchange Gain Loss $-11,145,195 $7,080,559 $-2,471,333 $7,471,773
Gain Loss On Sale Of PPE $-609,402 $-3,776,944 $-4,486,935 $-3,454,647
Net Income From Continuing Operations $569,868,614 $383,430,890 $316,512,505 $492,129,971
Sale Of Investment - $211,759,874 - -
Net Business Purchase And Sale - $0 $0 $-56,662,952
Purchase Of Business - $0 $0 $-56,662,952
Earnings Losses From Equity Investments - $0 $0 $-65,254,992
Amortization Cash Flow - - $65,402,211 -
Amortization Of Intangibles - - $65,402,211 -
Depreciation - - $45,755,887 -
Net Short Term Debt Issuance - - - -
Fetched: 2026-07-15