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IFS stock logo

IFS

Intercorp Financial Services Inc.

$50.23
-0.02
 (-0.04%)
Exchange:  NYSE
Market Cap:  5.58B
Shares Outstanding:  84.487M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Lord Luis Felipe Castellanos Lopez-Torres
Full Time Employees:  8542
Address: 
Torre Interbank
Lima
13
PE
Website:  https://www.ifs.com.pe
Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It provides transactional accounts, such as cuenta sueldo and cuenta simple; savings accounts; investment accounts; and time deposits, certificates of deposit, and compensation for service time accounts. The company also offers retail banking products, including credit cards, payroll deduction loans, mortgages, and consumer loans, as well as cash, student, and collateralized cash loans. In addition, the company provides corporate, medium-size business, and small business banking services; and commercial banking products, which include commercial real estate, vehicles, machinery and other goods, cash management, trade finance, and electronic factoring products. Further, it offers treasury and institutional banking, as well as securitization services. Additionally, the company provides annuities and conventional life insurance, and other retail insurance products, as well as financial advisory services for equities, fixed income, structured products, alternative investments, and managed accounts; brokerage, and investment management services. As of December 31, 2021, it operated 189 financial stores and 1,581 ATMs. Intercorp Financial Services Inc. was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/09 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue8,791,4888,857,3189,238,769.400
Gross Profit4,335,8184,803,3396,029,744.688
EBITDA1,725,4832,059,0272,748,789.235
Operating Income1,346,4451,645,9702,331,531.779
Net Income1,072,7281,300,0781,821,593.597

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets89,624,77995,503,78199,088,585.856
Total Liabilities79,616,67884,525,18686,667,850.090
Total Stockholders Equity9,950,21710,915,23512,347,489.297
Total Debt10,875,47111,818,34812,775,926.067
Cash and Cash Equivalents2,474,85912,197,42611,982,705.845

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow2,875,192-1,777,5553,343,695.593
Capital Expenditure-428,033-104,719-284,140.011
Free Cash Flow2,447,159-1,882,2743,059,555.582
Net Income1,079,2761,307,4611,821,593.597
Net Change in Cash-3,633,5652,903,1550

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)7,788,865.709Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)9,955,643.917Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)9,199,607.750Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)2,317,941.887Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)2,962,768.252Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)2,737,774.272Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)2,650,471.382Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)2,799,932.206Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)2,725,201.794Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)2,090,407.845Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)2,671,936.701Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)2,469,028.602Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)24.390Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)25.060Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)23.730Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
2.907B  ?P/S
 (TTM)
: 
2.07
?Net Income
 (TTM)
: 
346.313M  ?P/E
 (TTM)
: 
9.83
?Enterprise Value
 (TTM)
: 
19.562B  ?EV/FCF
 (TTM)
: 
18.14
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.24
?ROE
 (TTM)
: 
0.16  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
752.603M  ?Debt/Equity
 (TTM)
: 
1.03
?P/B
 (TTM)
: 
1.51  ?Current Ratio
 (TTM)
: 
2.07

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.85Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Common questions about IFS valuation

Is Intercorp Financial Services Inc. (IFS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Intercorp Financial Services Inc. (IFS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is IFS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether IFS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is IFS’s P/E ratio?

You can see IFS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for IFS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

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Whether IFS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

IFS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.04
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Daily snapshot

Trading Metrics:

Open: 49.45   Previous Close: 50.25
Day Low: 48.89   Day High: 50.67
Year Low: 29.09   Year High: 52.58
Price Avg 50: 48.4   Price Avg 200: 42.17
Volume: 177459   Average Volume: 281806

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See in Nexus

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