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IFS

Intercorp Financial Services Inc.

Price Chart
Latest Quote

$54.76

-0.08 (-0.15%)
Current Price
Previous Close $54.84
Open $55.02
Day High $55.70
Day Low $53.84
Volume 442,374
Fetched: 2026-06-25T11:24:42
Stock Information
Note: Financial values converted from PEN to USD
Quarterly Dividend / Yield $1.80 / 3.29%
Shares Outstanding 111.07M
Quarterly Dividend Yield 3.29%
Quarterly Dividend $1.80
Total Debt $4.18B
Cash Equivalents $2.15B
Revenue $1.70B
Net Income $610.34M
Sector Financial Services
Industry Banks - Regional
Market Cap $6.08B
P/E Ratio 10.10
EPS (TTM) $5.42
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$13.10B
Sales$1.70B
Income$610.34M
Book/sh$32.16
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 Ownership24.42%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E8.29
P/S1.05
P/B1.70
Analyst Data
Recommendationbuy
Target Price$64.75
Technical Indicators
SMA20$52.51
SMA50$48.53
SMA200$43.98
RSI64.46
ATR2.3968
Shares Float49.00M
Short Float1.31%
Short Ratio1.42
Volatility0.56
Rel Volume1.17
Performance History
Week-1.88%
Month+11.64%
Quarter+16.90%
6 Months+33.62%
YTD+34.98%
Year+59.53%
3 Years+153.68%
5 Years+178.05%
10 Years+102.92%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
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
2026-06-17 $57.55 322,500
2026-06-16 $55.81 299,800
2026-06-15 $54.64 391,400
2026-06-12 $56.85 238,800
2026-06-11 $55.25 348,700
2026-06-10 $53.51 451,200
2026-06-09 $52.55 725,300
2026-06-08 $47.16 755,200
2026-06-05 $47.12 658,500
2026-06-04 $48.45 239,600
2026-06-03 $49.09 587,500
2026-06-02 $50.44 256,900
2026-06-01 $50.15 245,600
2026-05-29 $49.48 381,500
2026-05-28 $48.93 313,700
2026-05-27 $49.97 227,400
2026-05-26 $50.41 753,400
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 $2,043,056,705 $1,933,039,256 $1,872,831,904 $1,741,175,446
Operating Revenue $2,043,056,705 $1,933,039,256 $1,872,831,904 $1,741,175,446
Expenses
Interest Expense $610,644,228 $686,926,356 $727,661,410 $452,962,095
Rent Expense Supplemental $5,479,043 $5,301,860 $4,572,130 $5,466,028
General And Administrative Expense $797,395,487 $747,447,253 $711,835,102 $708,539,631
Other Non Interest Expense $37,985,327 $51,594,934 $49,224,715 $52,251,899
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $560,376,829 $391,700,524 $314,816,745 $500,932,929
Net Interest Income $1,404,205,006 $1,377,733,270 $1,365,878,921 $1,260,403,135
Interest Income $2,014,849,234 $2,064,659,627 $2,093,540,331 $1,713,365,230
Normalized Income $550,706,371 $389,349,858 $321,962,091 $495,214,160
Net Income From Continuing And Discontinued Operation $560,376,829 $391,700,524 $314,816,745 $500,932,929
Net Income Common Stockholders $571,618,287 $384,558,808 $317,309,424 $493,396,620
Net Income $571,618,287 $384,558,808 $317,309,424 $493,396,620
Net Income Including Noncontrolling Interests $574,790,707 $386,742,675 $319,246,301 $496,380,617
Net Income Extraordinary $11,241,459 $-7,141,716 $2,492,679 $-7,536,309
Net Income Continuous Operations $563,549,249 $393,884,391 $316,753,622 $503,916,926
Pretax Income $720,396,051 $486,872,527 $398,274,015 $640,733,853
Special Income Charges $-17,544,295 $-14,919,099 $-11,068,713 $1,631,023
Depreciation Amortization Depletion Income Statement $133,187,502 $122,180,906 $112,118,197 $99,454,548
Depreciation And Amortization In Income Statement $133,187,502 $122,180,906 $112,118,197 $99,454,548
Per Share
Diluted EPS $5.12 $3.36 $2.76 $4.26
Basic EPS $5.12 $3.36 $2.76 $4.26
Other
Tax Effect Of Unusual Items $2,691,478 $554,945 $-1,819,956 $1,575,579
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $12,361,937 $2,905,611 $-8,965,303 $7,294,347
Total Unusual Items Excluding Goodwill $12,361,937 $2,905,611 $-8,965,303 $7,294,347
Reconciled Depreciation $133,187,502 $122,180,906 $112,118,197 $99,454,548
Diluted Average Shares $33,044,339 $33,805,720 $34,020,172 $34,140,266
Basic Average Shares $33,044,339 $33,805,720 $34,020,172 $34,140,266
Diluted NI Availto Com Stockholders $571,618,287 $384,558,808 $317,309,424 $493,396,620
Minority Interests $-3,172,420 $-2,183,867 $-1,936,877 $-2,983,997
Tax Provision $156,846,802 $92,988,136 $81,520,393 $136,816,927
Other Special Charges $-614,666 $-3,809,566 $-4,525,690 $-3,484,485
Write Off $936,492 $3,076,286 $1,021,978 $1,853,462
Restructuring And Mergern Acquisition $17,222,468 $15,652,379 $14,572,425 -
Gain On Sale Of Security $59,256,070 $18,047,445 $4,174,283 $-99,178,570
Selling General And Administration $797,395,487 $747,447,253 $711,835,102 $708,539,631
Other Gand A $404,064,827 $374,023,121 $361,527,188 $328,967,068
Insurance And Claims $75,079,419 $101,216,017 $94,897,208 $116,621,406
Rent And Landing Fees $5,479,043 $5,301,860 $4,572,130 $5,466,028
Salaries And Wages $312,772,198 $266,906,254 $250,838,577 $257,485,129
Impairment Of Capital Assets - - - -
Fetched: 2026-06-20
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $3,171,675,893 $2,735,374,844 $2,444,196,990 $2,289,249,498
Total Assets $29,312,693,867 $28,249,705,167 $26,510,715,659 $25,876,914,985
Goodwill And Other Intangible Assets $480,996,821 $493,315,867 $499,044,562 $483,095,795
Other Intangible Assets $283,086,631 $295,405,677 $301,134,372 $285,185,604
Prepaid Assets $66,036,026 $199,303,689 $124,899,573 $7,915,224
Receivables $1,589,272,294 $1,621,514,433 $1,502,503,580 $1,162,592,921
Other Receivables $923,998,554 $948,201,233 $844,425,095 $741,909,938
Notes Receivable $504,191,425 $504,891,280 $463,635,033 $264,616,196
Accounts Receivable $161,082,316 $168,421,920 $194,443,453 $156,066,786
Cash And Cash Equivalents $3,664,314,682 $3,607,958,603 $2,839,389,986 $3,846,509,488
Cash Financial $694,754,321 $843,963,356 $665,200,975 $847,531,848
Cash Cash Equivalents And Federal Funds Sold $4,160,043,363 $3,791,283,353 $3,052,568,020 $3,985,014,528
Debt
Total Debt $3,252,332,560 $3,495,828,574 $3,216,928,650 $3,098,445,499
Long Term Debt And Capital Lease Obligation $2,591,865,220 $2,776,353,338 $2,620,215,265 $2,547,233,636
Long Term Debt $2,549,198,022 $2,733,816,883 $2,594,243,130 $2,513,932,545
Current Debt And Capital Lease Obligation $660,467,340 $719,475,236 $596,713,385 $551,211,863
Current Debt $660,467,340 $719,475,236 $595,912,072 $551,211,863
Other Current Borrowings $16,274,440 $0 - -
Net Debt - - $350,765,216 -
Liabilities
Total Liabilities Net Minority Interest $25,638,353,155 $25,002,272,776 $23,550,352,210 $23,088,667,956
Non Current Deferred Liabilities $686,733,201 $439,396,858 $328,225,210 $299,464,599
Non Current Deferred Taxes Liabilities $40,265,624 $41,604,696 $22,395,361 $24,225,456
Payables And Accrued Expenses $445,374,022 $452,758,292 $414,768,231 $464,502,013
Payables $445,374,022 $452,758,292 $414,768,231 $464,502,013
Other Payable $343,130,999 $297,283,394 $320,992,685 $388,428,421
Total Tax Payable $29,306,356 $25,811,813 $23,761,646 $41,062,205
Income Tax Payable $29,306,356 $25,811,813 $23,761,646 $41,062,205
Accounts Payable $72,936,668 $129,663,084 $70,013,900 $35,011,387
Equity
Common Stock Equity $3,652,672,714 $3,228,690,711 $2,943,241,552 $2,772,345,293
Total Equity Gross Minority Interest $3,674,340,712 $3,247,432,391 $2,960,363,449 $2,788,247,029
Stockholders Equity $3,652,672,714 $3,228,690,711 $2,943,241,552 $2,772,345,293
Gains Losses Not Affecting Retained Earnings $2,681,091,413 $2,399,553,278 $1,639,366,652 $1,610,784,407
Other Equity Adjustments $2,673,145,130 $2,642,198,877 $1,985,080,252 $2,278,294,666
Retained Earnings $645,837,530 $425,732,528 $864,179,287 $697,921,712
Long Term Equity Investment $8,062,531 $7,334,280 $6,669,624 $6,722,868
Other
Treasury Shares Number $1,291,171 $638,698 $286,241 $8,896
Ordinary Shares Number $32,857,882 $33,510,354 $33,862,811 $34,140,157
Share Issued $34,149,052 $34,149,052 $34,149,052 $34,149,052
Tangible Book Value $3,171,675,893 $2,735,374,844 $2,444,196,990 $2,289,249,498
Invested Capital $6,862,338,076 $6,681,982,830 $6,133,396,754 $5,837,489,701
Capital Lease Obligations $42,667,198 $42,536,456 $26,773,449 $33,301,091
Total Capitalization $6,201,870,736 $5,962,507,594 $5,537,484,682 $5,286,277,838
Minority Interest $21,667,997 $18,741,680 $17,121,897 $15,901,736
Foreign Currency Translation Adjustments $29,471,410 $59,365,514 $55,890,790 $62,389,444
Unrealized Gain Loss $-21,525,127 $-302,011,113 $-401,604,390 $-729,899,704
Treasury Stock $138,890,167 $61,229,034 $24,938,326 $994,764
Additional Paid In Capital $157,591,914 $157,591,914 $157,591,914 $157,591,914
Capital Stock $307,042,024 $307,042,024 $307,042,024 $307,042,024
Common Stock $307,042,024 $307,042,024 $307,042,024 $307,042,024
Employee Benefits $223,903,031 $210,549,880 $224,968,491 $272,513,969
Non Current Deferred Revenue $646,467,577 $397,792,162 $305,829,849 $275,239,144
Long Term Capital Lease Obligation $42,667,198 $42,536,456 $25,972,135 $33,301,091
Long Term Provisions $16,740,024 $35,887,833 $26,208,477 $33,957,168
Line Of Credit $584,372,746 $618,459,177 $595,912,072 $551,211,863
Commercial Paper $59,820,154 $101,016,059 - -
Investments And Advances $8,397,442,301 $8,000,348,515 $7,940,944,843 $6,787,728,382
Available For Sale Securities $1,817,131,607 $1,727,104,988 $1,518,016,344 $1,589,232,953
Goodwill $197,910,190 $197,910,190 $197,910,190 $197,910,190
Net PPE $286,122,097 $240,906,314 $238,066,666 $234,102,990
Accumulated Depreciation $-413,535,646 $-372,498,584 $-351,286,410 $-317,551,090
Gross PPE $699,657,743 $613,404,899 $589,353,076 $551,654,079
Construction In Progress $15,279,675 $10,749,253 $12,780,193 $10,061,230
Other Properties $123,053,506 $115,162,833 $94,590,763 $83,865,173
Machinery Furniture Equipment $301,646,396 $271,895,458 $263,494,831 $238,431,679
Buildings And Improvements $191,966,155 $182,588,216 $181,269,554 $177,527,726
Land And Improvements $67,712,010 $33,009,139 $37,217,735 $41,768,272
Other Short Term Investments $6,572,248,162 $6,265,909,247 $6,416,258,875 $5,191,772,561
Current Capital Lease Obligation - $0 $801,313 -
Fetched: 2026-06-20
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $386,658,669 $757,233,391 $723,861,606 $-406,537,983
Operating Activities
Operating Cash Flow $541,479,264 $860,777,921 $850,472,363 $-299,369,057
Cash Flow From Continuing Operating Activities $541,479,264 $860,777,921 $850,472,363 $-299,369,057
Operating Gains Losses $-101,018,425 $-31,600,555 $-13,296,063 $31,748,454
Investing Activities
Capital Expenditure $-154,820,595 $-103,544,529 $-126,610,757 $-107,168,926
Investing Cash Flow $-277,623,561 $-2,083,888 $-1,044,968,468 $-412,209,590
Cash Flow From Continuing Investing Activities $-277,623,561 $-2,083,888 $-1,044,968,468 $-412,209,590
Net Other Investing Changes - - - $296
Financing Activities
Repurchase Of Capital Stock $-77,661,133 $-36,290,708 $-23,943,561 $0
Financing Cash Flow $-117,497,261 $-3,646,582 $-891,364,189 $-377,502,577
Cash Flow From Continuing Financing Activities $-117,497,261 $-3,646,582 $-891,364,189 $-377,502,577
Net Other Financing Charges $-899,222 $-861,064 $-1,412,725 $-1,234,656
Cash Dividends Paid $-120,338,980 $-126,414,348 $-151,385,212 $-222,300,701
Common Stock Dividend Paid $-120,338,980 $-126,414,348 $-151,385,212 $-222,300,701
Net Common Stock Issuance $-77,661,133 $-36,290,708 $-23,943,561 $0
Other
Repayment Of Debt $-469,075,326 $-434,994,515 $-741,612,662 $-162,983,697
Issuance Of Debt $550,477,400 $594,914,054 $26,989,972 $9,016,476
Interest Paid Supplemental Data $625,363,368 $717,724,415 $666,690,607 $412,835,496
Income Tax Paid Supplemental Data $90,392,520 $107,511,163 $133,145,499 $98,847,277
End Cash Position $3,652,481,038 $3,542,865,577 $2,684,121,850 $3,758,918,459
Beginning Cash Position $3,542,865,577 $2,684,121,850 $3,758,918,459 $4,855,890,948
Effect Of Exchange Rate Changes $-36,742,981 $3,696,276 $11,063,685 $-7,891,265
Changes In Cash $146,358,442 $855,047,451 $-1,085,860,294 $-1,089,081,224
Common Stock Payments $-77,661,133 $-36,290,708 $-23,943,561 $0
Net Issuance Payments Of Debt $81,402,074 $159,919,539 $-714,622,691 $-153,967,221
Net Long Term Debt Issuance $81,402,074 $159,919,539 $-714,622,691 $-153,967,221
Long Term Debt Payments $-469,075,326 $-434,994,515 $-741,612,662 $-162,983,697
Long Term Debt Issuance $550,477,400 $594,914,054 $26,989,972 $9,016,476
Net Investment Purchase And Sale $-105,273,461 $94,708,785 $-923,020,650 $-253,672,013
Purchase Of Investment $-105,273,461 $-118,880,110 $-923,020,650 $-253,672,309
Net Investment Properties Purchase And Sale $-18,553,258 $-6,695,655 $-4,999,852 $-10,281,894
Sale Of Investment Properties $0 $11,588,132 $0 $0
Purchase Of Investment Properties $-18,553,258 $-18,283,787 $-4,999,852 $-10,281,894
Net Intangibles Purchase And Sale $-65,657,111 $-72,568,993 $-82,937,851 $-67,225,721
Purchase Of Intangibles $-65,657,111 $-72,568,993 $-82,937,851 $-67,225,721
Net PPE Purchase And Sale $-88,139,732 $-17,528,026 $-34,010,115 $-23,877,599
Sale Of PPE $1,023,752 $13,447,510 $9,662,791 $16,065,607
Purchase Of PPE $-89,163,484 $-30,975,537 $-43,672,907 $-39,943,206
Taxes Refund Paid $-90,392,520 $-107,511,163 $-133,145,499 $-98,847,277
Change In Working Capital $-301,011,616 $-56,116,483 $-52,133,285 $-1,077,394,000
Change In Other Working Capital $571,334,914 $921,997,193 $788,146,219 $-427,826,473
Change In Other Current Assets $-312,403,931 $29,853,284 $-72,995,236 $66,749,192
Change In Payables And Accrued Expense $79,311,679 $385,148,035 $222,810,654 $183,288,959
Change In Payable $79,311,679 $385,148,035 $222,810,654 $183,288,959
Change In Account Payable $79,311,679 $385,148,035 $222,810,654 $183,288,959
Change In Receivables $157,197,617 $-55,221,994 $-137,017,773 $48,165,467
Changes In Account Receivables $6,653,651 $17,359,718 $-49,536,485 $-49,828,141
Other Non Cash Items $778,833 $8,663,886 $1,224,007 $3,745,082
Deferred Tax $-11,089,419 $29,595,349 $30,243,440 $-130,742
Deferred Income Tax $-11,089,419 $29,595,349 $30,243,440 $-130,742
Depreciation Amortization Depletion $133,187,502 $122,180,906 $112,118,197 $99,454,548
Depreciation And Amortization $133,187,502 $122,180,906 $112,118,197 $99,454,548
Gain Loss On Investment Securities $-137,275,708 $-32,104,001 $-6,392,759 $95,406,570
Net Foreign Currency Exchange Gain Loss $-11,241,459 $7,141,716 $-2,492,679 $7,536,309
Gain Loss On Sale Of PPE $-614,666 $-3,809,566 $-4,525,690 $-3,484,485
Net Income From Continuing Operations $574,790,707 $386,742,675 $319,246,301 $496,380,617
Sale Of Investment - $213,588,896 - -
Net Business Purchase And Sale - $0 $0 $-57,152,363
Purchase Of Business - $0 $0 $-57,152,363
Earnings Losses From Equity Investments - $0 $0 $-65,818,616
Amortization Cash Flow - - $65,967,106 -
Amortization Of Intangibles - - $65,967,106 -
Depreciation - - $46,151,092 -
Net Short Term Debt Issuance - - - -
Fetched: 2026-06-20