Intercorp Financial Services Inc. (IFS)

NYQ – Real Time Price. Currency in USD

56.99

-0.18 (-0.32%)

Market open: Aug 12, 2026, 11:08 AM EDT

57.18

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 57.18$
Day's range: 57.18 - 59.98$
52-week range: 38 - 61.38$
Volume: 144 078
Average volume: 293 182
Beta: 0.71
EPS (TTM): 5.38
PE ratio (TTM): 10.64
Forward P/E: 9.58
Market cap: 6 601 299 427
Shares outstanding: 115 447 699
Dividend yield: $3.11 (3.11%)
Next earnings date: 2026-11-09
Sector: Financials
Industry: Banks - Regional

About the company

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... read more

CEO: Luis Castellanos Lopez-Torres
Country: Peru
IPO Date: 2019-07-19
Employees: 9229
Fiscal Year End: January - December
Website: https://ifs.com.pe

Revenue Breakdown

Banking / 68.67%

Insurance / 20.47%

Holding, Other Subsidiaries and Eliminations / 6.26%

News

No Data

There are no news for this stock.

Chart: IFS

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Overall Score

4.7 / 1047%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $4.0B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.1) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $518.0M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.38	2.82	4.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.12	0.05	6.0
Debt to Assets	0.14	0.09	8.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	2.13B	2.59B	2.60B	2.83B	3.04B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	550M	365M	432M	728M	792M
Net Income	435M	287M	346M	542M	598M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	29.99	0.44	10
Net margin %	23.86	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	60.07	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	2.02	1.46	4.0
ROE	17.36	14.94	8.0
ROIC	9.41	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.82	-0.22	2.5
Next quarter	3.99	29.33	7.0
Current year	7.03	20.27	7.5
Next year	12.32	10.79	7.0
Weighted average score			6.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	120.23	30.38	29.29	-23.12	7.8
Y/Y	34.39	47.26	44.16	226	10
3y average	10.25	14.4	21.9	4.63	7.3
5y average	7.63	71.56	75.52	0.75	7.0
Weighted average score					8.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.76	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.14	3.37	4.4
P/B	1.81	1.53	5.2
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR6.87%

FCF 5 year CAGR4

Fair value189.27$

Stock price57.415$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$189.27

UndervaluedStock priceOvervalued

$57.415

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Luis Castellanos Lopez-Torres

Country

Peru

IPO Date

2019-07-19

Employees

9229

Fiscal Year End

January - December

Website

https://ifs.com.pe

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.38

2.82

4.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.12

0.05

6.0

Debt to Assets

0.14

0.09

8.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

2.13B

2.59B

2.60B

2.83B

3.04B

Gross Profit

N/A

Operating Income

550M

365M

432M

728M

792M

Net Income

435M

287M

346M

542M

598M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

29.99

0.44

Net margin %

23.86

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

60.07

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

2.02

1.46

4.0

ROE

17.36

14.94

8.0

ROIC

9.41

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.82

-0.22

2.5

Next quarter

3.99

29.33

7.0

Current year

7.03

20.27

7.5

Next year

12.32

10.79

7.0

Weighted average score

6.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

120.23

30.38

29.29

-23.12

7.8

Y/Y

34.39

47.26

44.16

226

3y average

10.25

14.4

21.9

4.63

7.3

5y average

7.63

71.56

75.52

0.75

7.0

Weighted average score

8.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.76

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.14

3.37

4.4

P/B

1.81

1.53

5.2

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Intercorp Financial Services Inc. (IFS)

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Intercorp Financial Services Inc. (IFS)

Stock details

About the company

Revenue Breakdown

News

Chart: IFS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$189.27

$57.415

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: IFS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$189.27

$57.415

Economic Moat