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Intercorp Financial Services Inc.

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Key Metrics

Previous Close: $53.90
52-Week Range: $38.00 – $61.38
Market Cap: $5.93B
P/E (TTM): 9.86
EPS (TTM): 5.45
Dividend Yield: 3.34%

Advanced Metrics

Price/Book: 1.59
PEG Ratio: —
Return on Equity: 17.23%
Return on Assets: 2.07%
Gross Margin: 0.00%
Operating Margin: 44.69%
Profit Margin: 35.66%
Current Ratio: —
Debt/Equity: —
Total Debt: $14.38B
Free Cash Flow: —
Revenue Growth: 3.80%
Earnings Growth: 2.40%
Enterprise Value: $13.83B

IFS Income statement, annual periods, in PEN
PEN	FY2022	FY2023	FY2024	FY2025
Revenue	$5.89B	$6.33B	$6.54B	$6.91B
Selling, General & Admin	$2.40B	$2.41B	$2.53B	$2.70B
Pretax Income	$2.17B	$1.35B	$1.65B	$2.44B
Income Tax	$462.54M	$275.60M	$314.37M	$530.25M
Net Income	$1.67B	$1.07B	$1.30B	$1.93B
Diluted EPS	14.39	9.33	11.38	17.30
Diluted Shares	115.42M	115.01M	114.29M	111.71M

IFS Balance Sheet statement, annual periods, in PEN
PEN	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$13.00B	$9.60B	$12.20B	$12.39B
Receivables	$3.93B	$5.08B	$5.48B	$5.37B
Total Assets	$87.48B	$89.62B	$95.50B	$99.10B
Long-Term Debt	$8.50B	$8.77B	$9.24B	$8.62B
Total Debt	$10.47B	$10.88B	$11.82B	$11.00B
Total Liabilities	$78.06B	$79.62B	$84.53B	$86.68B
Retained Earnings	$2.36B	$2.92B	$1.44B	$2.18B
Shareholders' Equity	$9.37B	$9.95B	$10.92B	$12.35B
Net Debt	—	$1.19B	—	—

IFS Cash Flow statement, annual periods, in PEN
PEN	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$1.01B	$2.88B	$2.91B	$1.83B
Capital Expenditure	-$362.31M	-$428.03M	-$350.05M	-$523.40M
Free Cash Flow	-$1.37B	$2.45B	$2.56B	$1.31B
Depreciation & Amortisation	$336.23M	$379.04M	$413.06M	$450.27M
Investing Cash Flow	-$1.39B	-$3.53B	-$7.04M	-$938.56M
Financing Cash Flow	-$1.28B	-$3.01B	-$12.33M	-$397.22M
Dividends Paid	-$751.53M	-$511.79M	-$427.37M	-$406.83M
Share Repurchases	$0.00	-$80.95M	-$122.69M	-$262.55M
Net Change in Cash	-$3.68B	-$3.67B	$2.89B	$494.79M

IFS Income statement, quarterly periods, in PEN
PEN	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$1.68B	$1.86B	$1.59B	$1.77B	$1.91B
Selling, General & Admin	$676.22M	$725.50M	$623.03M	$671.01M	$827.18M
Pretax Income	$559.74M	$695.93M	$568.42M	$611.36M	$774.94M
Income Tax	$126.09M	$127.89M	$117.50M	$158.78M	$154.04M
Net Income	$443.56M	$577.19M	$453.31M	$458.40M	$598.33M
Diluted EPS	3.92	—	—	—	5.39
Diluted Shares	113.08M	—	—	—	111.08M

IFS Balance Sheet statement, quarterly periods, in PEN
PEN	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$12.20B	$12.23B	$11.57B	$12.39B	$13.29B
Receivables	$5.48B	$4.66B	$5.16B	$5.37B	$5.10B
Total Assets	$95.50B	$97.59B	$97.13B	$99.10B	$102.29B
Long-Term Debt	$9.24B	$9.13B	$9.43B	$8.62B	$9.85B
Total Debt	$11.82B	$11.98B	$11.98B	$11.00B	$12.33B
Total Liabilities	$84.53B	$86.10B	$85.18B	$86.68B	$89.88B
Retained Earnings	$1.44B	$1.27B	$1.72B	$2.18B	$1.20B
Shareholders' Equity	$10.92B	$11.42B	$11.88B	$12.35B	$12.33B
Net Debt	—	—	$264.21M	—	—

IFS Cash Flow statement, quarterly periods, in PEN
PEN	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$385.36M	$554.93M	-$1.20B	$2.86B	-$104.65M
Capital Expenditure	-$87.06M	-$124.62M	-$74.95M	-$236.76M	-$113.18M
Free Cash Flow	-$472.43M	$430.30M	-$1.27B	$2.62B	-$217.83M
Depreciation & Amortisation	$103.88M	$108.79M	$128.38M	$109.22M	$108.61M
Investing Cash Flow	-$199.13M	-$804.84M	$565.92M	-$500.51M	-$899.50M
Financing Cash Flow	$1.34B	-$232.93M	-$91.75M	-$1.42B	$1.93B
Dividends Paid	—	—	$0.00	$13.27M	—
Share Repurchases	-$141.87M	-$56.85M	-$27.51M	-$36.32M	-$1.54M
Net Change in Cash	$760.01M	-$482.84M	-$724.07M	$941.70M	$929.03M

Market Snapshot

About

Intercorp Financial Services Inc. is a leading financial services holding company in Peru. The company operates through multiple subsidiaries including Interbank (one of Peru's largest banks), Interseguro (insurance), Inteligo (wealth management), and Izipay (payment solutions). IFS serves individual and corporate customers across Peru with a comprehensive suite of banking, insurance, and financial products including retail and commercial banking, mortgages, consumer loans, credit cards, asset management, and insurance products. The company has built a strong market position in Peru through its multi-brand strategy and focus on innovation, digital transformation, and customer experience. IFS leverages technology and data analytics to serve Peru's growing middle class and businesses.