Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.22 | 2.71 | 2.33 | 2.56 | 2.48 | 1.85 | 2.11 | 1.71 | 1.93 | 2.25 | 4.88 | 2.20 | 0.82 | 2.18 | 2.48 | 1.69 | 0.95 | 2.71 | 2.49 | 2.66 | 1.17 |
| — | +46.3% | +10.4% | +49.3% | +28.6% | -17.6% | -56.7% | -22.2% | +134.1% | +3.3% | +96.7% | +30.2% | -13.2% | -19.5% | -0.4% | -36.3% | -19.2% | +69.5% | +51.8% | +12.1% | -41.5% | |
| P/S Ratio | 2.86 | 0.87 | 0.55 | 1.58 | 0.71 | 0.45 | 0.52 | 0.46 | 0.46 | 0.38 | 0.48 | 0.38 | 0.42 | 0.46 | 0.47 | 0.44 | 0.34 | 0.52 | 0.79 | 0.73 | 0.44 |
| — | +93.6% | +6.4% | +239.4% | +54.7% | +16.3% | +9.1% | +23.0% | +9.5% | -16.0% | +1.3% | -13.6% | +22.5% | -11.2% | -40.4% | -40.2% | -22.3% | -5.2% | +33.7% | +16.9% | -6.7% | |
| P/B Ratio | 1.65 | 0.49 | 0.45 | 0.38 | 0.38 | 0.37 | 0.34 | 0.30 | 0.28 | 0.25 | 0.26 | 0.25 | 0.27 | 0.31 | 0.29 | 0.29 | 0.24 | 0.30 | 0.44 | 0.35 | 0.26 |
| — | +30.9% | +31.4% | +23.3% | +32.2% | +48.3% | +29.3% | +21.3% | +5.5% | -17.6% | -8.2% | -12.8% | +10.7% | +1.9% | -34.8% | -17.5% | -7.5% | -3.7% | +14.3% | -12.4% | -13.9% | |
| P/FCF | 15.54 | 0.58 | — | 0.44 | — | 2.49 | — | — | 0.35 | — | 0.27 | — | 0.85 | — | 0.26 | — | 0.25 | 5.15 | — | — | 0.49 |
| — | -76.6% | — | — | — | — | — | — | -58.7% | — | +6.0% | — | +240.3% | — | — | — | -49.3% | -9.3% | — | — | +141.2% | |
| EV / EBITDA | 7.66 | 1.37 | 1.34 | 1.13 | 1.76 | 1.27 | 3.82 | 1.01 | 0.50 | 2.51 | 1.47 | 2.34 | 1.68 | 1.45 | -0.13 | 0.08 | 0.23 | 0.30 | 0.26 | -1.74 | -2.03 |
| — | +7.6% | -65.0% | +11.7% | +248.8% | -49.4% | +159.5% | -56.9% | -69.9% | +72.7% | +1233.8% | +2975.4% | +630.9% | +378.5% | -150.8% | +104.4% | +111.3% | +115.9% | +114.2% | +22.7% | +18.1% | |
| EV / EBIT | 9.05 | 0.83 | 1.54 | 1.33 | 2.16 | 1.47 | 4.53 | 1.17 | 0.62 | 3.23 | 2.29 | 3.11 | 2.31 | 1.77 | -0.16 | 0.09 | 0.26 | 0.37 | 0.29 | -2.02 | -2.24 |
| — | -43.6% | -66.1% | +13.7% | +249.8% | -54.4% | +98.1% | -62.3% | -73.4% | +82.1% | +1510.1% | +3353.5% | +801.0% | +383.0% | -156.0% | +104.5% | +111.5% | +117.2% | +114.6% | +22.9% | +22.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 84.8% | 85.1% | 92.7% | 69.5% | 84.0% | 100.2% | 80.2% | 82.7% | 76.0% | 71.4% | 61.5% | 62.3% | 62.6% | 73.3% | 73.7% | 82.0% | 87.7% | 84.9% | 88.1% | 109.3% | 92.4% |
| — | -15.0% | +15.5% | -16.0% | +10.5% | +40.3% | +30.5% | +32.9% | +21.4% | -2.5% | -16.6% | -24.1% | -28.6% | -13.7% | -16.4% | -24.9% | -5.1% | -2.0% | +1.2% | +42.9% | +40.3% | |
| Operating Margin | 32.8% | 38.2% | 29.9% | 83.4% | 35.7% | 28.7% | 30.2% | 35.2% | 28.3% | 21.8% | 13.1% | 18.4% | 16.2% | 26.8% | 26.1% | 32.9% | 44.7% | 30.3% | 41.6% | 46.1% | 46.4% |
| — | +33.1% | -1.2% | +136.9% | +26.5% | +31.8% | +130.7% | +91.7% | +74.6% | -18.8% | -49.7% | -44.2% | -63.8% | -11.5% | -37.3% | -28.6% | -3.6% | -30.3% | -6.4% | +43.4% | +68.6% | |
| Net Margin | 25.6% | 31.9% | 23.7% | 61.6% | 28.5% | 23.4% | 23.4% | 27.1% | 23.7% | 17.1% | 9.8% | 17.2% | 12.5% | 21.0% | 18.9% | 25.8% | 35.9% | 19.0% | 37.6% | 25.1% | 37.3% |
| — | +36.4% | +0.9% | +127.2% | +20.3% | +37.2% | +139.6% | +58.2% | +90.3% | -18.9% | -48.2% | -33.6% | -65.3% | +10.6% | -49.7% | +2.8% | -3.8% | -44.2% | +4.6% | -5.0% | +59.6% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.6% | 4.6% | 4.8% | 3.7% | 3.9% | 5.0% | 3.9% | 4.5% | 3.7% | 2.8% | 1.4% | 2.9% | 2.0% | 3.6% | 2.9% | 4.2% | 6.6% | 2.8% | 5.4% | 2.8% | 5.7% |
| — | -8.0% | +24.7% | -17.6% | +3.3% | +79.9% | +179.6% | +56.4% | +83.8% | -21.9% | -51.7% | -31.3% | -69.1% | +28.7% | -46.7% | +49.9% | +14.7% | -44.5% | -9.1% | -35.2% | +46.4% | |
| ROA | 1.9% | 0.6% | 0.6% | 0.5% | 0.5% | 0.6% | 0.4% | 0.5% | 0.4% | 0.3% | 0.2% | 0.3% | 0.2% | 0.4% | 0.3% | 0.5% | 0.7% | 0.3% | 0.5% | 0.3% | 0.6% |
| — | -3.3% | +33.9% | -9.1% | +13.8% | +90.1% | +187.8% | +60.3% | +87.7% | -18.2% | -49.1% | -29.9% | -68.9% | +28.2% | -44.3% | +58.6% | +16.6% | -42.1% | -8.1% | -33.6% | +58.8% | |
| ROIC | 7.3% | 2.0% | 2.4% | 2.0% | 1.8% | 2.3% | 1.8% | 2.1% | 1.5% | 1.2% | 0.7% | 1.1% | 0.9% | 1.6% | 1.4% | 1.9% | 2.9% | 1.6% | 2.1% | 1.8% | 2.5% |
| — | -11.6% | +27.6% | -5.7% | +17.4% | +84.5% | +178.8% | +85.3% | +63.1% | -24.3% | -54.0% | -40.9% | -67.3% | +5.5% | -30.7% | +4.3% | +15.2% | -29.8% | -19.9% | -1.9% | +62.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.03 | 1.08 | 0.99 | 0.89 | 1.00 | 1.04 | 0.97 | 1.08 | 1.19 | 1.18 | 1.11 | 1.09 | 1.08 | 1.15 | 1.00 | 1.11 | 1.16 | 1.13 | 1.13 | 1.17 | 1.12 |
| — | +4.0% | +2.1% | -17.8% | -15.8% | -11.7% | -12.1% | -0.9% | +10.1% | +2.9% | +10.4% | -2.2% | -7.0% | +1.8% | -10.9% | -5.0% | +3.9% | -4.5% | -0.6% | +6.7% | -7.2% | |
| Debt / EBITDA | 4.64 | 17.48 | 14.29 | 15.16 | 17.19 | 15.06 | 16.55 | 16.09 | 22.15 | 25.79 | 39.16 | 26.89 | 29.97 | 21.05 | 20.08 | 17.40 | 12.98 | 21.19 | 17.05 | 18.43 | 14.56 |
| — | +16.1% | -13.6% | -5.8% | -22.4% | -41.6% | -57.7% | -40.1% | -26.1% | +22.5% | +95.0% | +54.6% | +130.9% | -0.7% | +17.8% | -5.6% | -10.8% | +24.4% | +21.3% | -0.5% | -36.6% | |
| Current Ratio | 2.07 | 0.74 | 0.62 | 0.63 | 0.69 | 0.69 | 3.99 | 0.71 | 0.72 | 0.72 | 0.74 | 0.73 | 0.66 | 0.66 | 0.65 | 0.70 | 0.67 | 0.67 | 0.71 | 0.66 | 0.79 |
| — | +7.1% | -84.6% | -11.0% | -3.8% | -4.3% | +438.4% | -2.7% | +8.6% | +9.9% | +14.3% | +4.3% | -1.1% | -1.7% | -9.2% | +5.6% | -15.1% | -15.8% | -12.2% | -24.3% | -0.0% | |
| Quick Ratio | 2.07 | 0.74 | 0.62 | 0.63 | 0.69 | 0.69 | 3.99 | 0.71 | 0.72 | 0.72 | 0.74 | 0.73 | 0.66 | 0.66 | 0.65 | 0.70 | 0.67 | 0.67 | 0.71 | 0.66 | 0.79 |
| — | +7.1% | -84.6% | -11.0% | -3.8% | -4.3% | +438.4% | -2.7% | +8.6% | +9.9% | +14.3% | +4.3% | -1.1% | -1.7% | -9.2% | +5.6% | -15.1% | -15.8% | -12.2% | -24.3% | -0.0% | |
| Interest Coverage | 1.09 | 2.20 | 1.39 | 1.14 | 0.95 | 0.79 | 1.05 | 1.31 | 0.78 | 0.60 | 0.29 | 0.46 | 0.37 | 0.68 | 0.65 | 0.99 | 1.72 | 1.16 | 1.85 | 1.77 | 2.71 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying IFS stock.
Intercorp Financial Services Inc.'s current P/E is 11.2x. The average P/E over the last 4 quarters is 2.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Intercorp Financial Services Inc.'s current operating margin is 32.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Intercorp Financial Services Inc.'s business trajectory between earnings reports.