Intercorp Financial Services Inc.(IFS)Earnings, Financials & Key Ratios
IFS•NYSE•Banking & Credit
$45.44
$5.05B mkt cap·13.9× P/E·Price updated May 6, 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$4.66B+2.0%
- Total Revenue$8.86B+0.7%
- Net Income$1.3B+21.2%
- Return on Equity12.39%+12.2%
- Net Interest Margin4.88%-4.3%
- Efficiency Ratio35.65%+4.8%
- ROA1.4%+15.9%
- Equity / Assets11.5%+2.9%
- Book Value per Share96.06+10.4%
- Tangible BV/Share81.47+12.6%
- Debt/Equity1.08-0.9%
IFS Key Insights
Intercorp Financial Services Inc. (IFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 4.9%
- ✓Efficient operations: 35.6% efficiency ratio
- ✓Well capitalized: 11.5% equity/assets
- ✓Healthy dividend yield of 2.4%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
IFS Price & Volume
Intercorp Financial Services Inc. (IFS) stock price & volume — 10-year historical chart
Loading chart...
IFS Growth Metrics
Intercorp Financial Services Inc. (IFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.52%
5 Years7.03%
3 Years12.06%
TTM-
Profit CAGR
10 Years3.2%
5 Years-2.04%
3 Years-10.11%
TTM75.34%
EPS CAGR
10 Years2.75%
5 Years-2.29%
3 Years-9.81%
TTM81.54%
Return on Capital
10 Years5.58%
5 Years4.34%
3 Years4.68%
Last Year4.2%
IFS Recent Earnings
Intercorp Financial Services Inc. (IFS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 10/12 qtrs (83%)
Q1 2026Latest
Feb 11, 2026EPS
$1.23
Est $1.10
+11.8%
Revenue
$533M
Est $488M
+9.1%
Q4 2025
Nov 6, 2025EPS
$1.12
Est $1.16
-3.4%
Revenue
$632M
Est $465M
+35.8%
Q3 2025
Aug 11, 2025EPS
$1.41
Est $1.07
+31.8%
Revenue
$420M
Est $443M
-5.1%
Q2 2025
May 8, 2025EPS
$1.06
Est $0.89
+19.1%
Revenue
$349M
Est $404M
-13.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | 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% |
| Q2 2025 | May 8, 2025 | $1.06vs $0.89+19.1% | $349Mvs $404M-13.5% |
Based on last 12 quarters of dataView full earnings history →
IFS Peer Comparison
Intercorp Financial Services Inc. (IFS) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BAP | 25.92B | 326.55 | 16.48 | 6.4% | 17.35% | 1.07 | ||
 BSAC | 14.85B | 31.52 | 0.03 | -4.96% | 21.52% | 2.77 | ||
 BBD | 40.84B | 3.86 | 8.70 | 37.11% | 13.25% | 4.46 | ||
 ITUB | 93.13B | 8.45 | 10.62 | 18.03% | 20.64% | 4.71 | ||
 GFI | 41.35B | 46.20 | 33.48 | 15.57% | 23.24% | 40.64% | 0.55 | |
 BBAR | 3.19B | 15.62 | 12.59 | -31.12% | 9.12% | 0.13 | ||
 SAN | 182.01B | 12.40 | 12.14 | -7.71% | 12.76% | 4.40 | ||
 GGAL | 5.76B | 43.44 | 5.10 | -23.52% | 12.91% | 0.36 |
Compare IFS vs Peers
Intercorp Financial Services Inc. (IFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
IFS Income Statement
Intercorp Financial Services Inc. (IFS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 2.63B | 2.71B | 3.12B | 3.39B | 3.43B | 3.52B | 4.21B | 4.57B | 4.66B | 3.23B |
| NII Growth % | 7.06% | 3.23% | 15.25% | 8.67% | 0.94% | 2.66% | 19.68% | 8.5% | 2% | -119.05% |
| Net Interest Margin % | 5.08% | 4.49% | 4.9% | 4.74% | 3.88% | 3.91% | 4.81% | 5.1% | 4.88% | 3.32% |
| Interest Income | 3.67B | 3.79B | 4.26B | 4.77B | 4.56B | 4.5B | 5.79B | 7.08B | 6.98B | 5.69B |
| Interest Expense | 1.05B | 1.08B | 1.14B | 1.36B | 1.13B | 987.27M | 1.58B | 2.51B | 2.32B | 2.46B |
| Loan Loss Provision | 786.4M | 836.63M | 662.21M | 770.18M | 2.41B | 382.7M | 783.39M | 1.94B | 1.73B | 916.96M |
| Non-Interest Income | 1.19B | 1.29B | 1.3B | 1.53B | 1.53B | 1.79B | 1.63B | 1.71B | 1.88B | 4.36B |
| Non-Interest Income % | 24.44% | 25.44% | 23.41% | 24.34% | 25.16% | 28.45% | 21.91% | 19.49% | 21.2% | 43.35% |
| Total Revenue | 4.86B▲ 0% | 5.09B▲ 4.7% | 5.56B▲ 9.3% | 6.31B▲ 13.4% | 6.09B▼ 3.4% | 6.29B▲ 3.3% | 7.42B▲ 17.8% | 8.79B▲ 18.5% | 8.86B▲ 0.7% | 10.05B▲ 0% |
| Revenue Growth % | -11.85% | 4.66% | 9.35% | 13.42% | -3.37% | 3.28% | 17.84% | 18.52% | 0.75% | 51.57% |
| Non-Interest Expense | 1.76B | 1.82B | 2.22B | 2.25B | 2.2B | 2.53B | 2.88B | 2.99B | 3.16B | 4.24B |
| Efficiency Ratio | 36.27% | 35.84% | 39.93% | 35.65% | 36.11% | 40.24% | 38.88% | 34% | 35.65% | 42.18% |
| Operating Income | 1.26B▲ 0% | 1.34B▲ 6.3% | 1.54B▲ 14.7% | 1.93B▲ 24.9% | 356.34M▼ 81.5% | 2.39B▲ 571.2% | 2.17B▼ 9.4% | 1.35B▼ 37.8% | 1.65B▲ 22.2% | 2.43B▲ 0% |
| Operating Margin % | 26.01% | 26.43% | 27.73% | 30.53% | 5.85% | 37.99% | 29.2% | 15.32% | 18.58% | 24.22% |
| Operating Income Growth % | -21.81% | 6.34% | 14.72% | 24.89% | -81.5% | 571.16% | -9.43% | -37.84% | 22.25% | - |
| Pretax Income | 1.26B▲ 0% | 1.34B▲ 6.3% | 1.54B▲ 14.7% | 1.93B▲ 24.9% | 356.34M▼ 81.5% | 2.39B▲ 571.2% | 2.17B▼ 9.4% | 1.35B▼ 37.8% | 1.65B▲ 22.2% | 2.43B▲ 0% |
| Pretax Margin % | 26.01% | 26.43% | 27.73% | 30.53% | 5.85% | 37.99% | 29.2% | 15.32% | 18.58% | 24.18% |
| Income Tax | 333.86M | 326.53M | 415.51M | 493.33M | -72.93M | 502.11M | 462.54M | 275.6M | 314.37M | 488.99M |
| Effective Tax Rate % | 26.41% | 24.29% | 26.95% | 25.62% | -20.47% | 20.99% | 21.35% | 20.47% | 19.1% | 20.12% |
| Net Income | 944.61M▲ 0% | 1.03B▲ 8.8% | 1.08B▲ 5.5% | 1.44B▲ 32.9% | 383.26M▼ 73.4% | 1.79B▲ 367.1% | 1.67B▼ 6.8% | 1.07B▼ 35.7% | 1.3B▲ 21.2% | 1.92B▲ 0% |
| Net Margin % | 19.44% | 20.2% | 19.5% | 22.85% | 6.29% | 28.44% | 22.49% | 12.2% | 14.68% | 19.15% |
| Net Income Growth % | -23.31% | 8.76% | 5.54% | 32.92% | -73.41% | 367.09% | -6.82% | -35.69% | 21.19% | 75.34% |
| Net Income (Continuing) | 930.13M | 1.02B | 1.13B | 1.43B | 429.27M | 1.89B | 1.7B | 1.07B | 1.33B | 1.94B |
| EPS (Diluted) | 8.72▲ 0% | 9.63▲ 10.4% | 9.82▲ 2.0% | 12.78▲ 30.1% | 3.32▼ 74.0% | 15.51▲ 367.2% | 14.39▼ 7.2% | 9.33▼ 35.2% | 11.38▲ 22.0% | 17.29▲ 0% |
| EPS Growth % | -22.83% | 10.44% | 1.97% | 30.14% | -74.02% | 367.17% | -7.22% | -35.16% | 21.97% | 81.54% |
| EPS (Basic) | 8.72 | 9.63 | 9.82 | 12.78 | 3.32 | 15.51 | 14.39 | 9.33 | 11.38 | - |
| Diluted Shares Outstanding | 108.38M | 106.74M | 110.44M | 112.79M | 115.45M | 115.42M | 115.42M | 115.01M | 114.29M | 111.31M |
IFS Balance Sheet
Intercorp Financial Services Inc. (IFS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 21.29B | 25.09B | 21.76B | 25.25B | 37.69B | 35.68B | 30.56B | 31.29B | 33.38B | 100.7B |
| Cash & Due from Banks | 11.77B | 9.63B | 7.58B | 9.94B | 18.16B | 17.13B | 13B | 9.6B | 12.2B | 11.57B |
| Short Term Investments | 9.52B | 15.46B | 14.17B | 15.31B | 19.53B | 18.54B | 17.55B | 21.69B | 21.18B | 21.72B |
| Total Investments | 37.41B | 42.52B | 48.21B | 53.83B | 62.87B | 67.65B | 65.85B | 69.65B | 72.42B | 74.69B |
| Investments Growth % | 32.41% | 13.66% | 13.39% | 11.66% | 16.79% | 7.6% | -2.66% | 5.76% | 3.98% | -88.82% |
| Long-Term Investments | 27.89B | 27.06B | 34.04B | 38.52B | 43.34B | 49.11B | 48.3B | 47.95B | 51.23B | 157.29B |
| Accounts Receivables | 1.06B | 301.09M | 331.49M | 316.17M | 445.12M | 404.92M | 527.62M | 657.36M | 569.38M | 571.47M |
| Goodwill & Intangibles | 267.4M | 921.59M | 954.55M | 979.26M | 1.04B | 1.04B | 1.63B | 1.69B | 1.67B | 1.61B |
| Goodwill | 0 | 432.88M | 432.88M | 430.65M | 430.65M | 430.65M | 669.08M | 669.08M | 669.08M | 0 |
| Intangible Assets | 267.4M | 488.71M | 521.67M | 548.62M | 611.94M | 614.1M | 964.13M | 1.02B | 998.68M | 1.61B |
| PP&E (Net) | 589.82M | 612.64M | 622.52M | 950.94M | 844.43M | 815.12M | 791.43M | 804.83M | 814.43M | 858.14M |
| Other Assets | 517.15M | 1.62B | 2.73B | 2.56B | 1.82B | -445.75M | 2.08B | 2.33B | 38.41B | 2.95B |
| Total Current Assets | 22.42B | 30.13B | 25.32B | 28.51B | 40.84B | 39.29B | 34.51B | 36.79B | 3.36B | 38.71B |
| Total Non-Current Assets | 29.3B | 30.27B | 38.42B | 43.05B | 47.4B | 50.66B | 52.97B | 52.83B | 92.14B | 58.42B |
| Total Assets | 51.72B▲ 0% | 60.39B▲ 16.8% | 63.74B▲ 5.5% | 71.56B▲ 12.3% | 88.24B▲ 23.3% | 89.95B▲ 1.9% | 87.48B▼ 2.7% | 89.62B▲ 2.4% | 95.5B▲ 6.6% | 97.13B▲ 0% |
| Asset Growth % | 3.44% | 16.77% | 5.55% | 12.26% | 23.3% | 1.95% | -2.75% | 2.45% | 6.56% | 15.37% |
| Return on Assets (ROA) | 1.86% | 1.83% | 1.75% | 2.13% | 0.48% | 2.01% | 1.88% | 1.21% | 1.4% | 1.98% |
| Accounts Payable | 1.16B | 181.96M | 327.61M | 128.01M | 235.37M | 615.04M | 118.36M | 236.7M | 438.35M | 609.99M |
| Total Debt | 6.71B | 7.71B | 8.57B | 9.32B | 9.82B | 10.22B | 10.47B | 10.88B | 11.82B | 11.98B |
| Net Debt | -5.05B | -1.92B | 983.4M | -618.91M | -8.35B | -6.91B | -2.53B | 1.28B | -379.08M | 413.61M |
| Long-Term Debt | 5.1B | 6.27B | 7.18B | 7.41B | 8.09B | 8.39B | 8.5B | 8.77B | 9.24B | 9.43B |
| Short-Term Debt | 1.61B | 1.44B | 1.39B | 1.57B | 1.45B | 1.6B | 1.86B | 2.01B | 2.43B | 2.4B |
| Other Liabilities | 3.36B | 15.59B | 15.79B | 16.63B | 23.46B | 12.18B | 18.85B | 18.97B | 17.67B | 17.57B |
| Total Current Liabilities | 38.2B | 32.64B | 33.63B | 37.85B | 46.91B | 59.63B | 49.59B | 50.68B | 55.98B | 55.96B |
| Total Non-Current Liabilities | 8.52B | 21.91B | 23.03B | 24.81B | 32.37B | 21.59B | 28.47B | 28.94B | 28.54B | 29.22B |
| Total Liabilities | 46.72B | 54.56B | 56.66B | 62.66B | 79.28B | 81.22B | 78.06B | 79.62B | 84.53B | 85.18B |
| Total Equity | 5B▲ 0% | 5.84B▲ 16.8% | 7.09B▲ 21.4% | 8.9B▲ 25.6% | 8.95B▲ 0.6% | 8.73B▼ 2.4% | 9.43B▲ 7.9% | 10.01B▲ 6.2% | 10.98B▲ 9.7% | 11.95B▲ 0% |
| Equity Growth % | 12.05% | 16.78% | 21.44% | 25.6% | 0.57% | -2.45% | 7.92% | 6.17% | 9.7% | 42.24% |
| Equity / Assets (Capital Ratio) | 9.66% | 9.66% | 11.12% | 12.44% | 10.15% | 9.71% | 10.78% | 11.17% | 11.5% | 12.3% |
| Return on Equity (ROE) | 19.97% | 18.96% | 16.78% | 18.02% | 4.29% | 20.24% | 18.37% | 11.04% | 12.39% | 16.1% |
| Book Value per Share | 46.12 | 54.69 | 64.19 | 78.94 | 77.56 | 75.68 | 81.67 | 87.02 | 96.06 | 107.37 |
| Tangible BV per Share | 43.65 | 46.05 | 55.54 | 70.26 | 68.53 | 66.63 | 67.52 | 72.35 | 81.47 | 92.93 |
| Common Stock | 963.45M | 963.45M | 963.45M | 1.04B | 1.04B | 1.04B | 1.04B | 1.04B | 1.04B | 1.04B |
| Additional Paid-in Capital | 268.08M | 268.08M | 268.08M | 530.46M | 532.77M | 532.77M | 532.77M | 532.77M | 532.77M | 532.77M |
| Retained Earnings | 2.03B | 1.56B | 1.2B | 2.15B | 1.3B | 2.22B | 2.36B | 2.92B | 9.74B | 1.72B |
| Accumulated OCI | 2.14B | 3.47B | 4.82B | 5.14B | 6.04B | 4.9B | 5.45B | 5.54B | -187.83M | 9.02B |
| Treasury Stock | -522.11M | -467.2M | -208.18M | -196K | -2.77M | -3.36M | -3.36M | -84.31M | -207M | -433.23M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
IFS Cash Flow Statement
Intercorp Financial Services Inc. (IFS) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.4B | 3.41B | -2.05B | 1.67B | 12.99B | 1.35B | -1.01B | 2.88B | -1.78B | -1.78B |
| Operating CF Growth % | -69.64% | 143.86% | -160.06% | 181.59% | 678.63% | -89.64% | -175.2% | 384.09% | -161.82% | -384.1% |
| Net Income | 950.19M | 1.03B | 1.09B | 1.45B | 383.55M | 1.8B | 1.68B | 1.08B | 1.31B | 1.92B |
| Depreciation & Amortization | 130.12M | 145.16M | 164.7M | 262.01M | 268.75M | 279.69M | 336.23M | 379.04M | 413.06M | 442.94M |
| Deferred Taxes | 1.04M | -4.38M | 13.73M | 38.55M | -308.07M | 205.75M | -442K | 102.24M | 0 | 31.37M |
| Other Non-Cash Items | 411.32M | 299.48M | 190.25M | 59.83M | 1.74B | -161.23M | 616.37M | 1.49B | -3.31B | 551.92M |
| Working Capital Changes | -96.14M | 1.93B | -3.51B | -141.75M | 10.91B | -778.58M | -3.64B | -176.25M | -189.71M | -4.96B |
| Cash from Investing | -1.4B | -2.31B | -295.53M | 4.1M | -4.05B | -2.33B | -1.39B | -3.53B | -7.04M | -821.85M |
| Purchase of Investments | -1.16B | -1.28B | -269.85M | 0 | -3.74B | -1.91B | -857.59M | -3.12B | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 0 | 0 | 1000K | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | -1.16B | -1.28B | -269.85M | 1000K | -3.74B | -1.91B | -857.59M | -3.12B | 0 | 0 |
| Acquisitions | 0 | -660.53M | 0 | 0 | 0 | 0 | -193.22M | 0 | 0 | 0 |
| Other Investing | -189.41M | -284.6M | 47.02M | 68.94M | -257.3M | -327.42M | -207.72M | -264.62M | 97.67M | -642.38M |
| Cash from Financing | -215.47M | -299.64M | 225.68M | 1.06B | -552.83M | -861.7M | -1.28B | -3.01B | 4.68B | -21.89M |
| Dividends Paid | -496.86M | -475.77M | -510.69M | -654.46M | -698.23M | -633.85M | -751.53M | -511.79M | -427.37M | -433.82M |
| Share Repurchases | -199.89M | 0 | 0 | -196K | -2.57M | -594K | 0 | -80.95M | -122.69M | -344.28M |
| Stock Issued | 0 | 90.06M | 383.59M | 684.13M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -199.89M | 90.06M | 383.59M | 683.93M | -2.57M | -594K | 0 | -80.95M | -122.69M | -344.28M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | -2.62M | -69.3M | -96.79M | 406.79M | -2.2M | -30K | -4.17M | -4.78M | 4.87B | 89.66M |
| Net Change in Cash | -284.11M▲ 0% | 728.57M▲ 356.4% | -2.14B▼ 393.5% | 2.76B▲ 229.3% | 8.29B▲ 200.0% | -1.73B▼ 120.9% | -3.71B▼ 114.4% | -3.63B▲ 2.0% | 2.9B▲ 179.9% | -2.87B▲ 0% |
| Exchange Rate Effect | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 0 |
| Cash at Beginning | 8.78B | 8.5B | 9.23B | 7.09B | 9.85B | 18.15B | 16.42B | 12.71B | 9.07B | 12.17B |
| Cash at End | 8.5B | 9.23B | 7.09B | 9.85B | 18.15B | 16.42B | 12.71B | 9.07B | 11.98B | 11.45B |
| Interest Paid | 0 | 1.09B | 1.09B | 1.29B | 1.11B | 988.32M | 1.4B | 2.25B | 2.43B | 0 |
| Income Taxes Paid | 0 | 329.38M | 363.99M | 425.65M | 700.66M | 280.41M | 334.17M | 450.13M | 363.46M | 0 |
| Free Cash Flow | 1.18B▲ 0% | 3.16B▲ 166.9% | -2.25B▼ 171.1% | 1.46B▲ 164.9% | 12.75B▲ 774.1% | 1.09B▼ 91.5% | -1.37B▼ 226.3% | 2.45B▲ 278.1% | -1.88B▼ 176.9% | -2.25B▲ 0% |
| FCF Growth % | -73.25% | 166.9% | -171.07% | 164.92% | 774.13% | -91.46% | -226.32% | 278.06% | -176.92% | -170.23% |
IFS Banking Ratios
Intercorp Financial Services Inc. (IFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 19.97% | 18.96% | 16.78% | 18.02% | 4.29% | 20.24% | 18.37% | 11.04% | 12.39% | 16.1% |
| Return on Assets (ROA) | 1.86% | 1.83% | 1.75% | 2.13% | 0.48% | 2.01% | 1.88% | 1.21% | 1.4% | 1.98% |
| Net Interest Margin | 5.08% | 4.49% | 4.9% | 4.74% | 3.88% | 3.91% | 4.81% | 5.1% | 4.88% | 3.32% |
| Efficiency Ratio | 36.27% | 35.84% | 39.93% | 35.65% | 36.11% | 40.24% | 38.88% | 34% | 35.65% | 42.18% |
| Equity / Assets | 9.66% | 9.66% | 11.12% | 12.44% | 10.15% | 9.71% | 10.78% | 11.17% | 11.5% | 12.3% |
| Book Value / Share | 46.12 | 54.69 | 64.19 | 78.94 | 77.56 | 75.68 | 81.67 | 87.02 | 96.06 | 107.37 |
| NII Growth | 7.06% | 3.23% | 15.25% | 8.67% | 0.94% | 2.66% | 19.68% | 8.5% | 2% | -29.16% |
| Dividend Payout | 52.6% | 46.31% | 47.1% | 45.41% | 182.18% | 35.41% | 45.06% | 47.71% | 32.87% | 22.55% |
IFS Frequently Asked Questions
Intercorp Financial Services Inc. (IFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Intercorp Financial Services Inc. (IFS) grew revenue by 0.7% over the past year. Growth has been modest.
Yes, Intercorp Financial Services Inc. (IFS) is profitable, generating $1.92B in net income for fiscal year 2024 (14.7% net margin).
Dividend & Returns
Yes, Intercorp Financial Services Inc. (IFS) pays a dividend with a yield of 2.36%. This makes it attractive for income-focused investors.
Intercorp Financial Services Inc. (IFS) has a return on equity (ROE) of 12.4%. This is reasonable for most industries.
Industry Metrics
Intercorp Financial Services Inc. (IFS) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.
Intercorp Financial Services Inc. (IFS) has an efficiency ratio of 35.6%. This is excellent, indicating strong cost control.
Explore More IFS
Intercorp Financial Services Inc. (IFS) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates