Intercorp Financial Services Inc. (IFS)
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No price history available.
Key financial summary
Financials in PEN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PEN m | 4,968 | 5,307 | 5,834 | 6,280 | 6,535 | 7,109 | 6,677 | - |
| Operating profit | PEN m | 2,332 | 2,636 | ||||||
| Net profit | PEN m | 383 | 1,790 | 1,668 | 1,073 | 1,300 | 1,822 | 2,088 | 2,294 |
| EPS reported | PEN | 16.31 | 18.84 | ||||||
| Operating cashflow per share | PEN | 16.39 | 19.13 | ||||||
| Capex per share | PEN | 4.69 | 4.16 | ||||||
| FCF per share | PEN | 11.70 | 14.97 | ||||||
| Free cash flow | PEN m | 1,307 | 3,846 | ||||||
| Net debt | PEN m | 540 | -31,501 | ||||||
| Book value equity | PEN m | 12,347 | 12,867 | ||||||
| Book value per share | PEN | 110.5 | 116.1 | ||||||
| Number of shares | m | 111.71 | 110.88 | ||||||
| DPS (TTM paid) | PEN | 6.19 | 6.19 |
Financial summary
Financials in PEN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 10.26 | ||||||
| P/B LTM | x | 1.29 | 1.24 | ||||||
| P/S LTM | x | 2.24 | 2.38 | ||||||
| P/FCF LTM | x | 12.17 | 4.14 | ||||||
| EV/EBITDA LTM | x | 6.08 | 4.51 | ||||||
| EV/Sales LTM | x | 1.81 | 2.52 | ||||||
| Earnings Yield LTM | % | +11.45% | +9.75% | ||||||
| FCF Yield | % | +8.22% | +24.17% | ||||||
| Quality | |||||||||
| ROE | % | +14.75% | +16.90% | ||||||
| ROIC | % | +1.85% | +2.00% | ||||||
| Operating margin | % | +25.24% | +33.11% | ||||||
| Gross margin | % | +65.27% | +71.00% | ||||||
| FCF/Sales | % | +14.15% | +20.52% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +43.32% | +65.55% | ||||||
| Sales Growth YoY | % | +8.79% | +2.17% | ||||||
| Net Income Growth YoY | % | +40.11% | +60.62% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +41.65% | +60.12% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.56% | +3.29% | ||||||
| Dividend Growth | % | +80.00% | +80.00% | ||||||
| Payout Ratio | % | +22.33% | +35.30% | ||||||
| FCF/Debt | x | 0.10 | 0.27 | ||||||
| Net Debt/EBITDA | x | 0.29 | -0.02 | ||||||
| EBIT/Net interest | x | 1.09 | 1.18 | ||||||
| Net debt/market cap | % | +79.39% | +67.62% | ||||||
| Net debt/Equity | x | 0.04 | -2.45 | ||||||
| Gross debt/equity | x | 1.03 | 1.09 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Intercorp Financial Services Inc. (IFS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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