Intercorp Financial Services Inc.(IFS)Earnings, Financials & Key Ratios
IFS•NYSE•Banking & Credit
$55.79
11.7× P/E·Price updated Jun 27, 2026
AboutIntercorp 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.Show more
- Net Interest Income$4.36B-6.3%
- Total Revenue$9.24B+4.3%
- Net Income$1.82B+40.1%
- Return on Equity15.57%+25.7%
- Net Interest Margin4.4%-9.7%
- Efficiency Ratio40.11%+12.5%
- ROA1.87%+33.3%
- Equity / Assets12.53%+9.0%
- Book Value per Share111.18+15.7%
IFS Price & Volume
Intercorp Financial Services Inc. (IFS) stock price & volume — 10-year historical chart
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Intercorp Financial Services Faces Persistent Margin Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial Position:Adequate
Cash Flow:Mixed
Primary Risk:Peruvian retail credit volatility
"Intercorp Financial Services exhibits a complex risk profile characterized by significant NII volatility, which contracted to negative $287.2 million in 2025Q2 before recovering to $1.2 billion by 2026Q1. While the bank maintains a stable equity-to-assets ratio between 0.11 and 0.13, its heavy reliance on an investment securities portfolio—now representing over 80% of total assets—exposes the firm to substantial market risk. Investors should monitor the sustainability of earnings given the inconsistent efficiency ratio, which peaked at 52.5% in 2025Q2, and the ongoing sensitivity of the retail-heavy loan book to Peruvian macroeconomic cycles."
Verdict Logic
while the forward P/E of 2.77 suggests potential undervaluation, the extreme volatility in cash flows and the heavy concentration of assets in securities warrant a cautious approach until operational consistency improves.
IFS Growth Metrics
Intercorp Financial Services Inc. (IFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.3%
5 Years8.68%
3 Years7.59%
TTM-
Profit CAGR
10 Years3.99%
5 Years36.58%
3 Years2.98%
TTM30.53%
EPS CAGR
10 Years3.74%
5 Years37.49%
3 Years4.26%
TTM33.03%
Return on Capital
10 Years5.04%
5 Years4.85%
3 Years3.74%
Last Year3.53%
IFS Recent Earnings
Intercorp Financial Services Inc. (IFS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$1.59+16.9%
$1.36
Rev
$435M-13.4%
$503M
Q1 2026
Feb 11, 2026Metric
Actual
Est
EPS
$1.23+11.8%
$1.10
Rev
$533M+9.1%
$488M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$1.12-3.4%
$1.16
Rev
$632M+35.8%
$465M
Q3 2025
Aug 11, 2025Metric
Actual
Est
EPS
$1.41+31.8%
$1.07
Rev
$420M-5.1%
$443M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $1.59vs $1.36+16.9% | $435Mvs $503M-13.4% |
| Q1 2026 | Feb 11, 2026 | $1.23vs $1.10+11.8% | $533Mvs $488M+9.1% |
| Q4 2025 | Nov 6, 2025 | $1.12vs $1.16-3.4% | $632Mvs $465M+35.8% |
| Q3 2025 | Aug 11, 2025 | $1.41vs $1.07+31.8% | $420Mvs $443M-5.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Intercorp Financial Services Inc. (IFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $55.79 | $6.2B | 11.66 | 4.31% | 19.72% | 15.57% | 1.91% | |
| $384.10 | $30.52B | 15.09 | 7.11% | 25.03% | 19.31% | — | |
| $32.12 | $15.13B | 13.28 | -4.96% | 21.11% | 20.38% | — | |
| $3.46 | $36.59B | 8.19 | 37.11% | 6.32% | 12.84% | — | |
| $8.23 | $90.71B | 10.86 | 18.03% | 11.91% | 20.77% | — | |
| $33.52 | $30B | 8.51 | 68.77% | 34.5% | 76.87% | — |
Compare IFS vs Peers
Intercorp Financial Services Inc. (IFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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IFS Frequently Asked Questions
Intercorp Financial Services Inc. (IFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Intercorp Financial Services Inc. growing?
Intercorp Financial Services Inc. (IFS) grew revenue by 4.3% over the past year. Growth has been modest.
Is IFS profitable?
Yes, Intercorp Financial Services Inc. (IFS) is profitable, generating $2.07B in net income for fiscal year 2025 (19.7% net margin).
Dividend & Returns
Does IFS pay dividends?
Yes, Intercorp Financial Services Inc. (IFS) pays a dividend with a yield of 1.91%. This makes it attractive for income-focused investors.
What is IFS's return on equity?
Intercorp Financial Services Inc. (IFS) has a return on equity (ROE) of 15.6%. This is reasonable for most industries.
Industry Metrics
What is Intercorp Financial Services Inc.'s net interest margin?
Intercorp Financial Services Inc. (IFS) has a net interest margin (NIM) of 4.4%. This indicates healthy earnings from lending activities.
What is Intercorp Financial Services Inc.'s efficiency ratio?
Intercorp Financial Services Inc. (IFS) has an efficiency ratio of 40.1%. This is excellent, indicating strong cost control.