Intercorp Financial Services Inc.

IFS | NYSE

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$55.52

+$0.54 (+0.98%)

At close: Sep 21, 2026, 4:00 PM ET

$55.52

$0 (0.00%)

After-hours: Sep 21, 2026, 5:31 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $6.11B

Enterprise Value $20.93B

Beta 0.43

Average Volume 277K

Shares Outstanding (Diluted) 110.67M

Shares Change YoY -1.47%

Institutional Ownership 15.47%

Exchange NYSE

ISIN PAL2400671A3

Price Performance

Price Change 1M 1.8%

Price Change 3M 1.2%

Price Change 6M 15.0%

Price Change YTD 31.5%

Price Change 1Y 36.0%

Price Change 3Y 135.1%

Price Change 5Y 150.2%

1M CAGR (ann.) -6.8%

1Y CAGR (ann.) 37.5%

5Y CAGR (ann.) 26.8%

All-Time CAGR 10.3%

Valuation

PE Ratio 10.10

Forward PE 8.03

PEG Ratio 0.78

Forward PEG 0.89

PS Ratio 2.62

Forward PS 2.50

PB Ratio 1.63

P/FCF Ratio 12.76

P/Adj. FCF Ratio 12.76

P/OCF Ratio 4.84

EV/Sales 2.59

EV/EBIT 7.92

EV/EBITDA 7.01

EV/FCF 12.63

Earnings Yield 10.1%

FCF Yield 8.0%

Adj. FCF Yield 8.0%

Financial Health

Net Cash PEN193.5M

Total Debt PEN13.96B

Cash & Short-Term Investments PEN14.03B

Total Assets PEN105.35B

Current Ratio 0.74

Quick Ratio 0.74

Debt / Equity Ratio 1.09

Debt / EBITDA 4.67

Debt / FCF 8.42

OCF / Debt 0.15

Interest Coverage 1.16

Altman Z-Score 0.13

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 64.1%

Operating Profit Margin 33.1%

EBITDA Margin 41.4%

Net Profit Margin 23.3%

FCF Margin 20.5%

Adj. FCF Margin 20.5%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 2.0%

Return on Equity 16.9%

Return on Invested Capital 4.6%

Return on Capital Employed 6.3%

Return on Tangible Assets 2.0%

Historical Growth (CAGR)

Revenue CAGR 3Y -1.1%

Revenue CAGR 5Y 4.7%

Revenue CAGR 10Y 3.6%

EPS CAGR 3Y 10.7%

EPS CAGR 5Y 5.0%

EPS CAGR 10Y 9.0%

FCF CAGR 3Y -14.2%

FCF CAGR 5Y -26.2%

FCF CAGR 10Y -1.5%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 8, 2026

EPS Estimate (next Q) $0.43

EPS Growth Est (next Q) 30.4%

Revenue Est (next Q) $137.24M

Revenue Growth Est (next Q) -26.9%

Fair Value Estimates

Graham Number $65.33

Graham Upside 17.7%

Lynch Fair Value $27.49

Lynch Upside -50.5%

Price Target $30.50

Price Target Upside -45.1%

Cash Flow

Operating Cash Flow PEN2.12B

Free Cash Flow PEN1.66B

Adj. Free Cash Flow PEN1.66B

FCF Per Share $34.68

OCF Per Share $39.32

OCF/S Ratio 48.7%

Income Statement

Revenue PEN8.08B

Gross Profit PEN5.73B

Operating Income PEN2.67B

EBITDA PEN2.99B

Net Income PEN2.09B

EPS (Diluted) $18.85

Revenue / Employee $875.23K

Profit / Employee $226.27K

Employees 9,229

Dividends

Annual Dividend $1.80

Dividend Yield 3.24%

Payout Ratio 9.6%

FCF Payout Ratio 42.9%

Adj. FCF Payout Ratio 42.9%

Dividend Growth (YoY) 80.0%

Pay Frequency Annual

Ex-Dividend Date Apr 23, 2026