Intercorp Financial Services Inc. (IFS) Financial Ratios
19 years of historical data (2006–2024) · Financial Services · Banks - Regional
EV/EBITDA
↑
8.20
↑+561% vs avg
5yr avg: 1.24
30Y Low0.1·High2.2
P/FCF
↑
N/A
—
5yr avg: 1.37
30Y Low0.3·High3.2
P/B Ratio
↓
1.62
↑+402% vs avg
5yr avg: 0.32
30Y Low0.3·High0.5
ROE
↑
12.4%
-7% vs avg
5yr avg: 13.3%
30Y Low4%·High31%
Debt/EBITDA
↓
5.74
↓-20% vs avg
5yr avg: 7.15
30Y Low0.4·High15.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
IFS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Intercorp Financial Services Inc. trades at 13.6x earnings, 279% above its 5-year average of 3.6x, sitting at the 100th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.1x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.0B | $3.4B | $2.5B | $2.7B | $3.0B | $3.7B | $4.7B | — | — | — | — |
| Enterprise Value | $4.9B | $3.0B | $3.8B | $183M | $-3869690780 | $-4614133550 | $4.0B | — | — | — | — |
| P/E Ratio → | 13.65 | 2.58 | 2.35 | 1.63 | 1.70 | 9.74 | 3.23 | — | — | — | — |
| P/S Ratio | 1.95 | 0.38 | 0.29 | 0.37 | 0.48 | 0.61 | 0.74 | — | — | — | — |
| P/B Ratio | 1.62 | 0.31 | 0.25 | 0.29 | 0.35 | 0.42 | 0.52 | — | — | — | — |
| P/FCF | — | — | 1.03 | — | 2.80 | 0.29 | 3.19 | — | — | — | — |
| P/OCF | — | — | 0.88 | — | 2.26 | 0.29 | 2.79 | — | — | — | — |
P/E links to full P/E history page with 30-year chart
IFS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Intercorp Financial Services Inc.'s enterprise value stands at 8.2x EBITDA, 561% above its 5-year average of 1.2x. The Financial Services sector median is 11.5x, placing the stock at a 29% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.34 | 0.43 | 0.02 | -0.61 | -0.76 | 0.64 | — | — | — | — |
| EV / EBITDA | 8.20 | 1.44 | 2.20 | 0.07 | -1.45 | -7.38 | 1.85 | — | — | — | — |
| EV / EBIT | 10.25 | 1.81 | 2.82 | 0.08 | -1.62 | -12.95 | 2.10 | — | — | — | — |
| EV / FCF | — | — | 1.55 | — | -3.56 | -0.36 | 2.77 | — | — | — | — |
IFS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Intercorp Financial Services Inc. earns an operating margin of 18.6%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 29.2% to 18.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 12.4% is modest. ROIC of 5.7% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.2% | 54.2% | 49.3% | 68.1% | 78.2% | 42.0% | 66.2% | 67.7% | 62.3% | 62.3% | 72.1% |
| Operating Margin | 18.6% | 18.6% | 15.3% | 29.2% | 38.0% | 5.8% | 30.5% | 27.7% | 26.4% | 26.0% | 29.3% |
| Net Profit Margin | 14.7% | 14.7% | 12.2% | 22.5% | 28.4% | 6.3% | 22.9% | 19.5% | 20.2% | 19.4% | 22.3% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.4% | 12.4% | 11.0% | 18.4% | 20.2% | 4.3% | 18.0% | 16.8% | 19.0% | 20.0% | 28.1% |
| ROA | 1.4% | 1.4% | 1.2% | 1.9% | 2.0% | 0.5% | 2.1% | 1.7% | 1.8% | 1.9% | 2.7% |
| ROIC | 5.7% | 5.7% | 5.0% | 8.4% | 9.5% | 1.4% | 8.5% | 7.9% | 8.0% | 7.9% | 10.2% |
| ROCE | 4.2% | 4.2% | 3.5% | 6.4% | 6.7% | 0.9% | 6.0% | 5.3% | 6.5% | 7.3% | 8.9% |
IFS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Intercorp Financial Services Inc. carries a Debt/EBITDA ratio of 5.7x, which is highly leveraged (39% above the sector average of 4.1x). The company holds a net cash position — cash of $12.2B exceeds total debt of $11.8B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.08 | 1.08 | 1.09 | 1.11 | 1.17 | 1.10 | 1.05 | 1.21 | 1.32 | 1.34 | 1.78 |
| Debt / EBITDA | 5.74 | 5.74 | 6.30 | 4.19 | 3.83 | 15.70 | 4.26 | 5.02 | 5.18 | 4.81 | 4.60 |
| Net Debt / Equity | — | -0.03 | 0.13 | -0.27 | -0.79 | -0.93 | -0.07 | 0.14 | -0.33 | -1.01 | -0.24 |
| Net Debt / EBITDA | -0.18 | -0.18 | 0.74 | -1.01 | -2.59 | -13.36 | -0.28 | 0.58 | -1.29 | -3.63 | -0.62 |
| Debt / FCF | — | — | 0.52 | — | -6.36 | -0.66 | -0.42 | — | -0.61 | -4.27 | -0.24 |
| Interest Coverage | 0.71 | 0.71 | 0.54 | 1.37 | 2.42 | 0.32 | 1.41 | 1.36 | 1.24 | 1.21 | 1.82 |
Net cash position: cash ($12.2B) exceeds total debt ($11.8B)
IFS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.06x is below 1.0, meaning current liabilities exceed current assets — though the company's $12.2B cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 0.70x to 0.06x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.06 | 0.06 | 0.73 | 0.70 | 0.66 | 0.87 | 0.75 | 0.75 | 0.92 | 0.59 | 0.85 |
| Quick Ratio | 0.06 | 0.06 | 0.73 | 0.70 | 0.66 | 0.87 | 0.75 | 0.75 | 0.92 | 0.59 | 0.85 |
| Cash Ratio | 0.22 | 0.22 | 0.19 | 0.26 | 0.29 | 0.39 | 0.26 | 0.23 | 0.29 | 0.31 | 0.31 |
| Asset Turnover | — | 0.09 | 0.10 | 0.08 | 0.07 | 0.07 | 0.09 | 0.09 | 0.08 | 0.09 | 0.11 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
IFS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Intercorp Financial Services Inc. returns 3.1% to shareholders annually — split between a 2.4% dividend yield and 0.7% buyback yield. The payout ratio of 32.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.4% | 12.7% | 20.3% | 27.7% | 20.8% | 18.7% | 14.0% | — | — | — | — |
| Payout Ratio | 32.9% | 32.9% | 47.7% | 45.1% | 35.4% | 182.2% | 45.4% | 47.1% | 46.3% | 52.6% | 45.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.3% | 38.8% | 42.5% | 61.2% | 58.8% | 10.3% | 30.9% | — | — | — | — |
| FCF Yield | — | — | 96.9% | — | 35.7% | 341.3% | 31.3% | — | — | — | — |
| Buyback Yield | 0.7% | 3.7% | 3.2% | 0.0% | 0.0% | 0.1% | 0.0% | — | — | — | — |
| Total Shareholder Yield | 3.1% | 16.4% | 23.5% | 27.7% | 20.8% | 18.8% | 14.1% | — | — | — | — |
| Shares Outstanding | — | $114M | $115M | $115M | $115M | $115M | $113M | $110M | $107M | $108M | $109M |
Peer Comparison
Compare IFS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 IFSYou | $5B | 13.6 | 8.2 | — | 54.2% | 18.6% | 12.4% | 5.7% | 5.7 |
 BAP | $26B | 16.1 | 9.2 | 6.6 | 64.2% | 29.0% | 16.2% | 8.2% | 4.4 |
 BSAC | $14B | 0.0 | 17.0 | 20.6 | 48.8% | 26.7% | 18.4% | 4.5% | 11.5 |
 BBD | $40B | 8.5 | — | — | 34.6% | -1.1% | 13.3% | -0.3% | — |
 ITUB | $90B | 10.3 | 20.6 | 3.5 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
 GFI | $40B | 32.5 | 15.5 | 56.7 | 42.5% | 40.2% | 24.9% | 24.0% | 1.1 |
 BBAR | $3B | 12.3 | 3.6 | — | 65.9% | 8.5% | 12.7% | 10.7% | 0.7 |
 SAN | $179B | 11.9 | 21.5 | — | 40.0% | 15.6% | 12.8% | 2.3% | 22.7 |
 GGAL | $6B | 5.1 | 2.6 | — | 62.7% | 20.8% | 40.2% | 31.0% | 0.9 |
 SUPV | $751M | -18.2 | — | — | 39.5% | -4.8% | -6.3% | -5.7% | — |
 V | $616B | 31.5 | 24.6 | 28.6 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 19 years · Updated daily
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Quick answers to the most common questions about buying IFS stock.
What is Intercorp Financial Services Inc.'s P/E ratio?
Intercorp Financial Services Inc.'s current P/E ratio is 13.6x. The historical average is 3.5x. This places it at the 100th percentile of its historical range.
What is Intercorp Financial Services Inc.'s EV/EBITDA?
Intercorp Financial Services Inc.'s current EV/EBITDA is 8.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 1.4x.
What is Intercorp Financial Services Inc.'s ROE?
Intercorp Financial Services Inc.'s return on equity (ROE) is 12.4%. The historical average is 21.2%.
Is IFS stock overvalued?
Based on historical data, Intercorp Financial Services Inc. is trading at a P/E of 13.6x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Intercorp Financial Services Inc.'s dividend yield?
Intercorp Financial Services Inc.'s current dividend yield is 2.41% with a payout ratio of 32.9%.
What are Intercorp Financial Services Inc.'s profit margins?
Intercorp Financial Services Inc. has 54.2% gross margin and 18.6% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Intercorp Financial Services Inc. have?
Intercorp Financial Services Inc.'s Debt/EBITDA ratio is 5.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.