YOLFTbeta
Intercorp Financial Services Inc

Intercorp Financial Services Inc

IFS · NYSE · Financial Services / Banks - Regional

51.40USD+0.04 (+0.08%)

Price History

Full chart

Market Stats

Previous Close51.36
Open51.52
Day Range51.39 – 52.52
52-Week Range35.42 – 61.38
Volume335.36K
Market Cap6.12B
P/E (TTM)10.29
Forward P/E0.00
EPS5.39
Dividend Yield3.26%
Beta0.42
50-Day Avg56.40
200-Day Avg50.47

About

Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. In addition, the company manages mutual funds and investment funds; and provides investment consultancy and related services. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOLord Luis Felipe Castellanos Lopez-Torres B.B.A.
  • Employees9.23K
  • HeadquartersTorre Interbank, Lima, Peru, 13, USA
  • Websitehttps://ifs.com.pe

Leadership

  • Lord Luis Felipe Castellanos Lopez-Torres B.B.A.CEO & GM · b. 1970
  • Ms. Michela Casassa Ramat B.B.A.Chief Financial Officer · b. 1973
  • Ms. Liliana Elcira Vera Villacorta M.B.A.Chief Accounting Officer · b. 1974
  • Ms. Cecilia Ramirez RiescoInvestor Relations Officer · b. 1987
  • Mr. Juan Antonio Castro Molina M.B.A.General Counsel · b. 1971
  • Ms. Katia Mercedes Lung Won B.B.A., M.B.A.Chief Compliance Officer · b. 1968
  • Mr. Ricardo Jacinto Supo Gutti Gonzala Jose Basadre Brazzini B.B.A.Deputy Chief Executive Officer · b. 1970
  • Mr. Andre RobbertsRegional President For Southern, Western Europe & LATA
  • Mr. Stephen KeysChief Talent Officer
  • Ms. Sophie GrahamChief Sustainability Officer

Financials

Income Statement

Currency: USD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.15B1.55B1.97B2.35B2.54B3.41B3.58B4.17B4.71B5.51B4.86B5.09B5.56B6.31B6.09B6.29B7.42B8.79B8.86B9.24B
Growth (%)-+34.87%+26.82%+19.01%+8.41%+34.07%+4.93%+16.62%+12.85%+17.08%-11.85%+4.66%+9.35%+13.42%-3.37%+3.28%+17.84%+18.52%+0.75%+4.31%
Cost of Revenue200.33M304.32M525.59M449.97M449.70M917.85M921.27M1.00B1.19B1.54B1.83B1.92B1.80B2.13B3.54B1.37B2.37B4.46B4.05B3.21B
Gross Profit952.12M1.25B1.45B1.90B2.09B2.49B2.66B3.17B3.52B3.97B3.03B3.17B3.76B4.17B2.56B4.92B5.05B4.34B4.80B6.03B
Gross Margin82.62%80.42%73.34%80.82%82.32%73.08%74.25%75.94%74.78%72.07%62.28%62.26%67.66%66.18%41.96%78.24%68.08%49.32%54.23%65.27%
Operating Expense685.19M841.92M1.10B1.24B1.40B1.57B1.75B1.92B2.22B2.36B1.76B1.82B2.22B2.25B2.20B2.53B2.88B2.99B3.16B3.70B
Operating Income266.93M408.02M345.60M657.44M697.68M925.62M909.94M1.25B1.30B1.62B1.26B1.34B1.54B1.93B356.34M2.39B2.17B1.35B1.65B2.33B
Operating Margin23.16%26.25%17.53%28.03%27.43%27.15%25.43%30.03%27.54%29.32%26.01%26.43%27.73%30.53%5.85%37.99%29.20%15.32%18.58%25.24%
EBITDA321.25M461.86M403.45M741.48M815.32M1.02B1.01B1.35B1.40B1.73B1.39B1.49B1.71B2.19B625.09M2.67B2.50B1.73B2.06B2.75B
EBITDA Margin27.88%29.72%20.47%31.61%32.06%29.86%28.26%32.34%29.78%31.34%28.69%29.28%30.69%34.68%10.26%42.44%33.73%19.63%23.25%29.75%
Net Income187.85M277.84M249.40M506.54M499.10M698.47M705.71M970.17M949.10M1.23B944.61M1.03B1.08B1.44B383.26M1.79B1.67B1.07B1.30B1.82B
Net Income Margin16.30%17.88%12.65%21.59%19.62%20.48%19.72%23.25%20.16%22.34%19.44%20.20%19.50%22.85%6.29%28.44%22.49%12.20%14.68%19.72%
Interest Expense200.33M304.32M525.59M449.97M449.70M515.47M512.99M633.82M761.79M890.60M1.05B1.08B1.14B1.36B1.13B987.27M1.58B2.51B2.32B2.13B
Interest Expense % of Total Revenue17.38%19.58%26.66%19.18%17.68%15.12%14.34%15.19%16.18%16.16%21.54%21.29%20.44%21.60%18.49%15.68%21.36%28.56%26.22%23.05%

Balance Sheet

Currency: USD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets9.10B11.94B16.65B18.24B21.88B22.71B26.60B36.18B40.37B50.00B51.72B60.39B63.74B71.56B88.24B89.95B87.48B89.62B95.50B99.09B
Total Liabilities8.28B10.61B15.24B16.42B19.77B20.34B23.69B32.47B36.06B45.54B46.72B54.56B56.66B62.66B79.28B81.22B78.06B79.62B84.53B86.67B
Total Equity762.25M1.30B1.41B1.81B2.10B2.36B2.89B3.69B4.19B4.35B4.88B5.80B7.05B8.86B8.91B8.68B9.37B9.95B10.92B12.35B
Cash1.35B1.67B2.63B3.19B4.50B2.43B5.51B7.41B5.76B9.03B11.77B9.63B7.58B9.94B18.16B17.13B13.00B9.60B12.20B11.98B
Total Debt267.93M187.38M1.08B2.61B5.35B4.30B5.83B6.22B6.95B7.95B6.71B7.71B8.57B9.32B9.82B10.22B10.47B10.88B11.82B12.78B
Net Debt-1.08B-1.48B-1.55B-578.84M856.34M1.87B321.41M-1.19B1.20B-1.07B-5.05B-1.92B983.40M-618.91M-8.35B-6.91B-2.53B1.28B-379.08M793.22M

Cash Flow

Currency: USD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow484.40M442.87M503.13M853.65M1.15B1.42B1.42B2.84B693.98M4.60B1.40B3.41B-2.05B1.67B12.99B1.35B-1.01B2.88B-1.78B1.83B
Investing Cash Flow-37.38M18.52M-98.69M-85.61M-77.34M-69.57M805.76M-804.42M-2.60B-794.45M-1.40B-2.31B-295.53M4.10M-4.05B-2.33B-1.76B-3.53B-7.04M-938.56M
Financing Cash Flow-460.16M-117.37M571.00M-199.50M182.84M-3.40B690.78M-332.54M182.91M-789.92M-215.47M-299.64M225.68M1.06B-552.83M-861.70M-1.28B-3.01B4.68B-397.22M
Capital Expenditure47.33M87.96M148.44M106.35M87.76M70.80M120.00M117.17M122.81M172.69M212.41M245.20M200.64M210.72M248.43M257.81M362.31M428.03M104.72M523.40M
Free Cash Flow437.07M354.91M354.69M747.31M1.06B1.35B1.30B2.72B571.16M4.43B1.18B3.16B-2.25B1.46B12.75B1.09B-1.37B2.45B-1.88B1.31B
Dividends Paid49.06M6.17M112.77M124.48M255.69M293.49M373.63M432.76M443.55M564.18M496.86M475.77M510.69M654.46M698.23M633.85M751.53M511.79M427.37M406.83M
FCF to OCF90.23%80.14%70.50%87.54%92.34%95.00%91.56%95.87%82.30%96.25%84.79%92.80%109.81%87.37%98.09%80.84%135.80%85.11%105.89%71.41%
Dividend Paid to FCF11.22%1.74%31.79%16.66%24.15%21.80%28.68%15.92%77.66%12.74%41.96%15.05%-22.74%44.89%5.48%58.26%-54.68%20.91%-22.70%31.12%

Earnings

Report DateNov 10, 2014Apr 10, 2015Aug 13, 2015Nov 11, 2015Nov 9, 2016Feb 15, 2017May 10, 2017Aug 10, 2017Nov 8, 2017Feb 15, 2018May 10, 2018Jul 31, 2018Oct 31, 2018Feb 14, 2019May 2, 2019Aug 12, 2019Nov 13, 2019Feb 14, 2020May 12, 2020Aug 12, 2020Nov 12, 2020Feb 11, 2021May 11, 2021Aug 11, 2021Nov 9, 2021Feb 11, 2022May 13, 2022Aug 16, 2022Nov 10, 2022Feb 14, 2023May 9, 2023Aug 10, 2023Nov 9, 2023Feb 13, 2024May 12, 2024Aug 15, 2024Nov 13, 2024Feb 5, 2025May 8, 2025Aug 10, 2025Nov 6, 2025Feb 12, 2026May 10, 2026Aug 11, 2026Nov 9, 2026
EPS Estimate2.042.142.492.440.000.002.132.300.002.852.772.803.04--0.883.022.902.961.370.922.342.443.102.992.683.483.593.613.973.463.422.350.962.022.112.903.503.273.853.973.714.761.451.46
EPS Actual2.502.373.163.720.000.781.482.020.632.242.631.832.840.760.950.943.023.821.24-3.182.843.144.563.934.762.263.472.163.393.472.302.851.692.491.222.483.384.253.925.143.954.005.391.53-
Surprise22.55%10.75%26.91%52.46%---30.52%-12.17%--21.40%-5.05%-34.64%-6.58%--6.43%0.00%31.72%-58.11%-332.12%208.70%34.19%86.89%26.77%59.20%-15.67%-0.29%-39.83%-6.09%-12.59%-33.53%-16.67%-28.09%159.38%-39.60%17.54%16.55%21.43%19.88%33.51%-0.50%7.82%13.24%5.52%-
TimingPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-market-Pre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap6.12B
Enterprise Value14.00B
Trailing P/E10.29
Forward P/E0.00
Price / Sales1.04
Price / Book1.65
EPS5.39
Book Value33.79
Revenue (TTM)5.87B
Gross Profit (TTM)5.87B
Profit Margin35.66%
Operating Margin44.69%
Return on Equity17.23%
Return on Assets2.07%
Shares Outstanding110.40M
Shares Float28.86M
Beta0.42
Dividend Yield3.26%
Dividend Rate1.80
Payout Ratio23.60%

Analyst Ratings

Buy
Based on 3 analystsTarget 67.08
  • Strong Buy
    1
  • Buy
    2

Ownership Breakdown

Institutions
23.70%
Insiders
73.38%
Retail / Other
2.92%

Top Institutional Holders

  • First Horizon Advisors Inc.
    00.00%

Top Fund Holders

  • Larrain Vial SICAV LatAm S&M Cap Eq I
    694.54K0.63%
  • Fidelity International Small Cap
    683.10K0.62%
  • Schroder ISF Frntr Mkts Eq C Acc USD
    494.39K0.45%
  • LarrainVial Latin American Equity I
    442.66K0.40%
  • Fidelity Low-Priced Stock
    426.07K0.39%
  • HIL (S2) Latin America (BlackRock) USD
    408.72K0.37%
  • iShares Core MSCI Emerging Markets ETF
    383.65K0.35%
  • Fidelity Emerging Markets Discovery
    286.75K0.26%
  • iShares MSCI Peru ETF
    284.23K0.26%
  • HSBC GIF Frontier Markets AC
    271.28K0.25%
  • Templeton Emerging Mkts Invmt Tr TEMIT
    263.85K0.24%
  • Templeton Latin America A(Ydis)USD
    155.41K0.14%
  • JPM Em Mkts Small Cap A perf acc EUR
    149.34K0.14%
  • Ashoka WhiteOak EM Eq A USD Acc
    148.38K0.13%
  • Hood River International Opp Instl
    147.86K0.13%
  • Eaton Vance Emerg & Frntr Countrs Eq I
    142.00K0.13%
  • iShares Core MSCI EM IMI ETF USD Acc
    140.98K0.13%
  • Templeton Emerging Markets Equity A
    136.23K0.12%
  • Fidelity Global Intrinsic Value Cl F5
    129.50K0.12%

Dividends

20262×
1.80Apr 24, 20261.71Apr 23, 2026
20251×
1.00Apr 24, 2025
20241×
1.00Apr 17, 2024
20231×
1.18Apr 27, 2023
20221×
1.75Apr 27, 2022
20212×
0.65Dec 14, 20210.77Apr 27, 2021
20201×
1.75Apr 27, 2020
20191×
1.75Apr 23, 2019
20181×
1.40Apr 23, 2018

Stock Splits

  • May 6, 20091:16