Intercorp Financial Services Inc. IFS FINANCIAL
Company Overview
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 Perú Ltd.
Why Investors Should Care
Generates a return on equity of 17.2%, reflecting efficient use of shareholder capital.
Trades at a P/E of 10.1, below the sector median of 12.9.
Maintains a net profit margin of 35.7%.
Offers a dividend yield of 3.27%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $6.91B (+5.7% YoY); net profit $1.93B.
- Trailing 12 Months Year-on-year growth — revenue +3.8%, earnings +2.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 5.5%, profit CAGR 5.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 5.47% |
| 1 Year: | 3.80% |
Compounded Profit Growth
| 5 Years: | 5.03% |
| 1 Year: | 2.40% |
Stock Price Performance
| 1 Year: | +46.71% |
| 6 Months: | +27.33% |
| 3 Months: | +16.20% |
| 1 Month: | -7.02% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)43.70 · Neutral
P/E of 10.11 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 35.7%.
- Attractive dividend yield of 3.27%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | IFS Intercorp Financial Services Inc. FINANCIAL | 54.80 | 10.11 | $6.05B | 3.27% | - | 17.23% | 5.47% | 5.03% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1.68B | 1.86B | 1.59B | 1.77B | 1.91B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 518.99M | 533.90M | 596.80M | 414.72M | 478.00M |
| Pretax Income | - | 559.74M | 695.93M | 568.42M | 611.36M | 774.94M |
| Tax Provision | - | 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 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 5.89B | 6.33B | 6.54B | 6.91B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1.53B | 2.46B | 2.32B | 2.06B |
| Pretax Income | - | 2.17B | 1.35B | 1.65B | 2.44B |
| Tax Provision | - | 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 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 87.48B | 89.62B | 95.50B | 99.10B |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 13.00B | 9.60B | 12.20B | 12.39B |
| Inventory | - | - | - | - |
| Receivables | 527.62M | 657.36M | 569.38M | 544.57M |
| Total Liabilities | 78.06B | 79.62B | 84.53B | 86.68B |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 8.50B | 8.77B | 9.24B | 8.62B |
| Total Debt | 10.47B | 10.88B | 11.82B | 11.00B |
| Total Equity | 9.37B | 9.95B | 10.92B | 12.35B |
| Shares Outstanding | 115.45M | 115.45M | 115.45M | 115.45M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -1.01B | 2.88B | 2.91B | 1.83B |
| Investing Cash Flow | - | -1.39B | -3.53B | -7.04M | -938.56M |
| Financing Cash Flow | - | -1.28B | -3.01B | -12.33M | -397.22M |
| Capital Expenditure | - | -362.31M | -428.03M | -350.05M | -523.40M |
| Free Cash Flow | - | -1.37B | 2.45B | 2.56B | 1.31B |
| Net Change in Cash | - | -3.68B | -3.67B | 2.89B | 494.79M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 28.3% | 16.9% | 19.9% | 28.0% |
| ROE % | - | 17.8% | 10.8% | 11.9% | 15.6% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | FMR, LLC | 2.00% | 2.31M | $127.16M |
| 2 | Blackrock Inc. | 1.35% | 1.56M | $85.90M |
| 3 | Lazard Asset Management LLC | 0.97% | 1.12M | $61.45M |
| 4 | Acadian Asset Management. LLC | 0.94% | 1.09M | $59.91M |
| 5 | NWI Management, L.P. | 0.89% | 1.02M | $56.20M |
| 6 | Franklin Resources, Inc. | 0.88% | 1.01M | $55.71M |
| 7 | Marshall Wace LLP | 0.85% | 983.08K | $54.05M |
| 8 | Schroder Investment Management Group | 0.60% | 695.29K | $38.23M |
| 9 | JPMORGAN CHASE & CO | 0.47% | 538.78K | $29.62M |
| 10 | Arrowstreet Capital, Limited Partnership | 0.44% | 511.57K | $28.13M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for IFS
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IFS — Frequently Asked Questions
What is the current share price of Intercorp Financial Services Inc. (IFS)?
As of 2026-09-19 21:16 PDT, Intercorp Financial Services Inc. (IFS) trades at $54.80 on NYSE. Its 52-week range is $36.83 to $60.68.
What is the market capitalisation of IFS?
Intercorp Financial Services Inc. (IFS) has a market capitalisation of $6.05B on NYSE.
What is the P/E ratio of IFS?
IFS trades at a trailing price-to-earnings (P/E) ratio of 10.11. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.61.
Does IFS pay a dividend?
Intercorp Financial Services Inc. (IFS) currently offers a dividend yield of 3.27%.
What is the return on equity (ROE) of IFS?
IFS has a return on equity (ROE) of 17.23%.
Is IFS a good stock to buy?
This page provides a data-driven analysis of Intercorp Financial Services Inc. (IFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.