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IFS stock logo

IFS

Intercorp Financial Services Inc.

$52.55
5.39
 (11.43%)
Exchange:  NYSE
Market Cap:  5.837B
Shares Outstanding:  84.487M
Delayed data
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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. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through three primary divisions: Banking, Insurance, and Wealth Management. Its banking segment offers diverse deposit options, such as various transactional and savings accounts, investment accounts, and fixed-term instruments including certificates of deposit and compensation for service time accounts. For retail customers, IFS provides credit cards, mortgages, payroll-deduction loans, general consumer loans, as well as specialized cash, student, and collateralized cash loans. Business clients, from small to large enterprises, benefit from commercial banking services covering corporate financing, commercial real estate, vehicle and equipment loans, cash management, trade finance, and electronic factoring. Additionally, the company manages treasury and institutional banking, along with securitization services. Within its insurance operations, IFS offers annuities, conventional life insurance, and other retail insurance products. The wealth management arm delivers financial advisory services across equities, fixed income, structured products, alternative investments, and managed accounts, complemented by brokerage and investment management offerings. Founded in 1897 and headquartered in Lima, Peru, Intercorp Financial Services Inc. maintained a significant operational network as of December 31, 2021, comprising 189 financial branches and 1,581 ATMs. The company functions 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.

2026/05/12 — Q1 quarter 2026

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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)8,344,821.267Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)10,086,915.155Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)9,350,792.489Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)2,483,392.509Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)3,001,834.159Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)2,782,766.374Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)2,735,707.284Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)2,894,627.965Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)2,815,167.625Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)2,239,617.486Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)2,707,167.816Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)2,509,604.184Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)25.200Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)25.910Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)24.490Full 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)
: 
1.86
?Net Income
 (TTM)
: 
346.313M  ?P/E
 (TTM)
: 
8.79
?Enterprise Value
 (TTM)
: 
19.393B  ?EV/FCF
 (TTM)
: 
5.7
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.2
?ROE
 (TTM)
: 
0.17  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
752.603M  ?Debt/Equity
 (TTM)
: 
1.12
?P/B
 (TTM)
: 
1.52  ?Current Ratio
 (TTM)
: 
3.68

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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
9.13Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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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.

Is IFS a good long-term investment?

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

11.43
MARKETSnap

Trading Metrics:

Open: 49.66   Previous Close: 47.16
Day Low: 49.66   Day High: 53.84
Year Low: 35.08   Year High: 53.84
Price Avg 50: 47.69   Price Avg 200: 44.51
Volume: 706990   Average Volume: 291673

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See in Nexus

Relevant news

Intercorp Financial Services Q1 Earnings Call Highlights
12-05-2026 17:06
Intercorp Financial Services Q1 Earnings Call Highlights
IFS Appoints Ryan Courson as Chief Financial Officer
27-04-2026 05:07
IFS Appoints Ryan Courson as Chief Financial Officer
IFS announces filing of 2025 Annual Report on Form 20-F
24-04-2026 19:22
IFS announces filing of 2025 Annual Report on Form 20-F
IFS vs. HASI: Which Stock Is the Better Value Option?
08-04-2026 12:41
IFS vs. HASI: Which Stock Is the Better Value Option?
IFS or HASI: Which Is the Better Value Stock Right Now?
23-03-2026 12:40
IFS or HASI: Which Is the Better Value Stock Right Now?
Intercorp Financial Services: Strong Recovery Completed, Valuation Now Fully Reflected (Rating Downgrade)
13-02-2026 12:28
Intercorp Financial Services: Strong Recovery Completed, Valuation Now Fully Reflected (Rating Downgrade)

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