Intercorp Financial Services Inc.

Intercorp Financial Services Inc.

IFS
Intercorp Financial Services Inc.US flagNew York Stock Exchange
55.74
USD
-0.55
- -
6.19BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
32.2
36.08
42.38
35.18
37.51
40.07
43.7
42.95
45.98
51
55.05
57.18
61.83
64.21
Basic EPS, GAAP
8.83
8.68
11.29
8.72
9.63
9.82
12.78
3.32
15.51
14.45
9.33
11.38
17.3
18.79
Free Cash Flow per Basic Share
24.74
5.22
40.59
10.93
29.61
-20.34
12.93
110.4
9.43
-11.91
21.28
22.4
11.7
14.06
Dividend per Share
3.94
4.05
5.17
4.58
4.46
4.62
5.8
6.05
5.49
6.51
4.45
3.74
3.64
-0.12
Book Value per Share
40.78
38.32
39.93
45.63
53.87
63.67
76.72
77.18
75.25
81.2
86.92
96.35
111.17
111.04
Tangible Book Value per Share
39.28
36.99
38.1
43.13
45.31
55.05
68.24
68.15
66.2
67.05
72.18
81.63
96.53
96.67
Basic Weighted Avg Shares
110
109
109
108
107
110
113
115
115
115
115
114
112
111
Sales/Revenue/Turnover
3,539
3,947
4,622
3,813
4,003
4,425
4,929
4,959
5,307
5,886
6,331
6,535
6,907
7,133
Operating Margin (%)
26.7
32
34.43
30.62
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
96
105
111
130
145
165
262
269
280
336
379
413
450
455
Net Income, GAAP
970
949
1,232
945
1,027
1,084
1,441
383
1,790
1,668
1,073
1,300
1,932
2,087
Effective Tax Rate (%)
21.21
23.84
21.81
26.41
24.29
26.95
25.62
- -
20.99
21.35
20.47
19.1
21.77
21.06
Profit Margin (%)
27.42
24.05
26.65
24.77
25.66
24.5
29.24
7.73
33.73
28.34
16.94
19.89
27.98
29.26
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4,958
5,575
6,324
5,102
6,267
7,179
7,747
8,362
8,390
8,611
8,858
9,386
8,762
9,979
Total Equity
3,712
4,302
4,461
4,998
5,837
7,088
8,903
8,954
8,735
9,426
10,008
10,979
12,422
12,406
Return on Invested Capital (%)
7.96
9.07
10.48
7.09
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
29.47
24.08
28.86
20.48
19.24
16.88
18.12
4.31
20.35
18.47
11.1
12.46
16.61
33.85

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
2,397
2,233
2,356
LT Borrowings
9,432
8,618
9,846
LT Finance Leases
149
144
133
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
111
111
111
Market Capitalization
15,599
15,835
19,518

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
33,289
34,607
35,564
Accounts Receivable, Net
571
545
565
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1,836
1,506
2,463
ST Debt
2,397
2,233
2,356
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.09%
6.9%
13.15%
Free Cash Flow
-10.84%
-128.03%
-48.94%
Net Income, GAAP
34.49%
78.88%
48.64%
Sales/Revenue/Turnover
4.44%
6.88%
5.69%
Total Cash Common Dividend
-1.78%
-8.77%
-4.81%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,432
1,668
1,637
1,797
6,535
2025
1,681
1,862
1,590
1,773
6,907
2026
1,907
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.22
- -
- -
- -
11.38
2025
3.92
- -
- -
- -
17.3
2026
5.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
3.74
2025
- -
- -
- -
- -
3.64
2026
- -
- -
- -
- -
- -

Company Description

CEO
Lord Luis Felipe Castellanos Lopez-Torres
Full Time Employees
9,229
Sector
Financial Services
Industry
Banks - Regional
Address
Torre Interbank Lima LR Peru 13
IPO Date
Jul 1, 2019
Website
ifs.com.pe
Business
Intercorp Financial Services Inc. (IFS) is a leading Peruvian financial holding company that provides banking, insurance, wealth management, and payments services to retail customers, high-net-worth individuals, small and medium-sized enterprises, and large corporations primarily in Peru. Incorporated in Panama in 2006 and headquartered in Panama City with operational headquarters in Lima, Peru, IFS operates through key subsidiaries including Interbank, which offers retail and commercial banking products such as loans, credit facilities, deposits, current accounts, and credit cards; Interseguro, which provides retirement annuities, savings products, life insurance, unemployment coverage, and other retail insurance offerings; Inteligo Bank, Inteligo SAB, and Interfondos, which deliver wealth management, private banking, brokerage, advisory, financing, and investment services; and Izipay, which facilitates digital payments, processing, and related technology solutions for consumers, micro-merchants, and SMEs. IFS maintains a nationwide omni-channel distribution network supported by advanced digital platforms, AI-driven analytics, and a focus on cross-selling synergies across its segments, with geographic operations centered in Peru and limited presence in Panama. In recent developments, IFS fully consolidated its payments segment in April 2022 by acquiring the remaining 50% stake in Izipay from its joint ownership with Interbank, enabling accelerated growth in digital payment processing, QR POS transactions, and value-added merchant services including the launch of Pling Metropolitano. The company continues to invest heavily in digital transformation, enhancing platforms like the Interfondos app to evolve into a digital advisory tool, boosting app adoption and digital transactions to over 50% of client activity, while strengthening its payments ecosystem through Izipay and PLIN with double-digit transactional volume growth and synergies such as 52% increases in merchant flows. In 2025, IFS reported robust quarterly results including Q2 net income doubling year-over-year to strong levels driven by core operations, higher-yielding loans expanding 7%, insurance premiums up 58% from private annuities and life products, and wealth management assets under management growing steadily, alongside Fitch upgrading its Long-Term IDR to 'BBB' reflecting improved credit quality and market outperformance.

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