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Home CompaniesIntercorp Financial Services Inc

Intercorp Financial Services Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
51.375 USD -0.18 ( 0.36%)
Last update at 2026-11-12T15:39:00Z
VOLUME
17305
Market Cap
5984.66M
P/E
10.10

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
50.70
Low
52.53
High
52 Week Price Range
35.42
Low
61.38
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Intercorp Financial Services Inc is a Peruvian financial holding offering banking, insurance, pension fund management and other financial services via subsidiaries such as Interbank. Long-term growth may be supported by rising financial penetration in Peru, cross-selling within the Intercorp ecosystem and digital adoption, which could broaden fee and lending revenue.
Key risks include heavy concentration in Peru with exposure to economic and political volatility, credit and interest-rate cycles, regulatory and currency risks, and intense competition from banks and fintech.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
51.56
Dividend Yield
11.08%
Revenue TTM
5867.85M
Revenue Per Share
52.96
Gross Profit TTM
5867.85M
Debt / Equity
1.03
ROE
17.23%
Net Debt
793.22M
ROCE
2.51%
Diluted EPS TTM
5.37

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 2324.36M 1645.97M 1346.44M 2170.03M 2391.61M
Minority interest -10.72M -7.38M -7.97M -10.08M -10.02M
Net income 1821.59M 1300.08M 1072.73M 1660.58M 1790.15M
Selling general administrative 1051.60M 2526.89M 2455.77M 2920.58M 2723.15M
Selling and marketing expenses - 1373.62M 1285.96M - -
Gross profit 6029.74M 4803.34M 4335.82M 6483.31M 5952.68M
Reconciled depreciation 450.27M 413.06M 371.90M 336.23M 280.37M
Ebit 2324.36M 1645.97M 1346.44M 3707.30M 2292.27M
Ebitda 2748.79M 2059.03M 1725.48M 4043.52M 2571.96M
Depreciation and amortization 424.43M 413.06M 379.04M 336.23M 279.69M
Operating income 2331.53M 1645.97M 1346.44M 3707.30M 2292.27M
Other operating expenses 6914.41M 7211.35M 7445.04M 2776.01M 3660.41M
Interest expense 2129.36M 2322.29M 2511.20M 1584.18M 987.27M
Tax provision 530.25M 314.37M 344.20M 462.54M 502.11M
Interest income 6811.60M 6979.99M 6947.18M 5792.37M 4503.89M
Net interest income 4747.20M 4657.70M 4581.30M 4208.20M 3547.69M
Income tax expense 499.83M 314.37M 275.60M 462.54M 502.11M
Total revenue 9238.77M 8857.32M 8791.49M 6483.31M 5952.68M
Total operating expenses 3705.39M 3157.37M 2989.37M -2776.01M -3660.41M
Cost of revenue 3209.02M 4053.98M 4455.67M - -
Total other income expense net -7.18M -242.30M -255.08M -1537.27M 99.34M
Net income from continuing ops 1905.19M 1331.61M 1166.34M 1707.49M 1889.50M
Net income applicable to common shares 1932.47M 1300.08M 1072.73M 1660.58M 1790.15M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 99088.59M 95503.78M 89624.78M 87482.63M 89953.91M
Intangible assets 957.03M 998.68M 1018.04M 964.13M 614.10M
Earning assets - - - - 25954.17M
Other current assets -1223.83M -35498.68M 422.25M 10236.17M 26327.65M
Total liab 86667.85M 84525.19M 79616.68M 77436.68M 80398.55M
Total stockholder equity 12347.49M 10915.24M 9950.22M 9991.17M 9504.04M
Deferred long term liab - - - 188.13M 75.32M
Other current liab -246.58M 53110.68M 48340.77M 355.05M -2578.98M
Common stock 1037.92M 1038.02M 1038.02M 1038.02M 1038.02M
Capital stock 1038.02M 1038.02M 1038.02M 1038.02M 1038.02M
Retained earnings 2183.19M 9739.27M 2921.53M 3037.03M 2904.91M
Other liab - - - - 13408.89M
Good will 669.08M 669.08M 669.08M 669.08M 430.65M
Other assets 41.87M 19.21M -31925.47M 29684.62M 26677.67M
Cash 11982.71M 12197.43M 9599.13M 13003.90M 16446.31M
Total current liabilities 6351.56M 55981.37M 50675.11M 3525.60M 2578.98M
Net debt 793.22M -379.08M 1276.35M -2528.98M -5802.34M
Short term debt 6351.56M 2432.33M 2017.31M 1893.49M 1595.40M
Short long term debt 2232.84M 2432.33M 2014.60M 1863.48M 1595.40M
Short long term debt total 12775.93M 11818.35M 10875.47M 10474.92M 10643.98M
Other stockholder equity 9162.41M 325.77M 448.46M 529.41M 529.41M
Property plant equipment 967.29M 814.43M 804.83M 791.43M 815.12M
Total current assets 13116.49M 3363.76M 36792.33M 32426.10M 36660.37M
Long term investments 28389.23M 27046.78M 26843.82M 22947.27M 24756.13M
Net tangible assets - - - 8357.97M 8459.29M
Short term investments 108.52M 21183.16M 21691.45M 17551.83M 18544.99M
Net receivables 2249.09M 5481.85M 5079.51M 1750.34M 1669.06M
Long term debt 5590.41M 9242.22M 8770.36M 8498.85M 8389.67M
Inventory - - 422.25M 45.96M 26.87M
Accounts payable 246.58M 438.35M 236.70M 1277.06M 983.58M
Accumulated other comprehensive income -36.03M -187.83M 5542.21M 5386.72M 5031.70M
Treasury stock - - - - -3.36M
Non currrent assets other 2185.99M 38406.19M 2329.72M -110.91M -26615.87M
Non current assets total 85972.09M 92140.02M 52832.44M 25371.91M 26615.87M
Capital lease obligations 144.25M 143.80M 90.51M 113.66M 234.95M
Long term debt total 5590.41M 6075.43M 5551.63M 7906.30M 8389.67M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -355.90M -7.04M -775.51M -1759.40M -1911.80M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -938.56M -7.04M -3532.72M -1759.40M -2325.70M
Net borrowings 275.20M 540.64M -2415.93M -254.40M -213.35M
Total cash from financing activities -397.22M 4675.26M -3013.43M -1276.22M -861.70M
Change to operating activities - - - -3612.99M -2119.57M
Net income 1943.19M 1307.46M 1079.28M 1670.66M 1800.18M
Change in cash 370.58M 2903.16M -3633.57M -3708.53M -1729.61M
Begin period cash flow 11977.37M 9074.21M 12707.78M 16416.31M 18145.92M
End period cash flow 12347.94M 11977.37M 9074.21M 12707.78M 16416.31M
Total cash from operating activities 1830.58M -1777.56M 2875.19M -1012.08M 1345.80M
Issuance of capital stock - - - - 0.00M
Depreciation 450.27M 413.06M 379.04M 336.23M 279.69M
Other cashflows from investing activities -281.23M 97.67M -264.62M -1397.86M -2068.69M
Dividends paid 406.83M 427.37M 511.79M 751.53M 633.85M
Change to inventory - - - - -3224.50M
Change to account receivables 531.44M -186.69M -463.22M -168.45M -16.11M
Sale purchase of stock -262.55M -122.69M -80.95M 0.00M -0.59M
Other cashflows from financing activities -3.04M 4868.09M -4.78M 26.31M -0.03M
Change to netincome - - - 924.41M 255.01M
Capital expenditures 523.40M 104.72M 428.03M 362.31M 257.81M
Change in working capital -1017.63M -189.71M -176.25M -3646.25M -778.58M
Stock based compensation - - - - -176.10M
Other non cash items 492.24M -3308.36M 1490.88M 627.73M 14.87M
Free cash flow 1307.18M -1882.27M 2447.16M -1374.38M 1087.99M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
IFS
Intercorp Financial Services Inc		 -0.18
0.36%		 51.38 10.10 - 1.02 1.62 4.72
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

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 Perú Ltd.

Torre Interbank, Lima, Peru, 13

51 1 615 9011

https://ifs.com.pe

9229

Name Title Year Born
Lord Luis Felipe Castellanos Lopez-Torres B.B.A. CEO & GM 1970
Ms. Michela Casassa Ramat B.B.A. CFO & Fin. Mang. 1973
Ms. Liliana Elcira Vera Villacorta M.B.A. Chief Accounting Officer 1974
Mr. Ernesto Giancarlo Ferrero Merino M.B.A. Investor Relations Officer 1973
Mr. Juan Antonio Castro Molina M.B.A. Gen. Counsel 1971
Ms. Katia Mercedes Lung Won B.B.A., M.B.A. Chief Compliance Officer 1968
Mr. Gonzalo Jose Basadre Brazzini B.B.A. Deputy Chief Exec. Officer 1970
Ms. Zelma Francisca Acosta-Rubio Rodríguez Chief Sustainability Officer 1965
Mr. Mark Moffat Chief Customer Officer NA
Mr. Felipe Federico Roy Morris Guerinoni Treasurer & Independent Director 1953

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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