Financial Services · Banks - Regional
Price
$58.13
Market Cap
$6.5B
Employees
8,542
Beta
0.56
Avg Volume
343,543
CEO
Lord Luis Felipe Castellanos Lopez-Torres
Business Description
Intercorp Financial Services Inc. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through three primary divisions: Banking, Insurance, and Wealth Management. Its banking segment offers diverse deposit options, such as various transactional and savings accounts, investment accounts, and fixed-term instruments including certificates of deposit and compensation for service time accounts. For retail customers, IFS provides credit cards, mortgages, payroll-deduction loans, general consumer loans, as well as specialized cash, student, and collateralized cash loans. Business clients, from small to large enterprises, benefit from commercial banking services covering corporate financing, commercial real estate, vehicle and equipment loans, cash management, trade finance, and electronic factoring. Additionally, the company manages treasury and institutional banking, along with securitization services. Within its insurance operations, IFS offers annuities, conventional life insurance, and other retail insurance products. The wealth management arm delivers financial advisory services across equities, fixed income, structured products, alternative investments, and managed accounts, complemented by brokerage and investment management offerings. Founded in 1897 and headquartered in Lima, Peru, Intercorp Financial Services Inc. maintained a significant operational network as of December 31, 2021, comprising 189 financial branches and 1,581 ATMs. The company functions as a subsidiary of Intercorp Perú Ltd.
Business History
Price Overview
Price at report time · Jul 5, 4:06am (0m ago)
$58.13
Change · Jul 5
-0.16 (-0.27%)
Day Range
$57.37 – $59.18
52-Week Range
$35.45 – $59.18
50-Day MA
$49.81
200-Day MA
$45.82
Volume
272,043.00
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$29.00
Consensus
$30.50
High
$32.00
(2 analysts)
Share Structure
Outstanding
111,072,639.00
Float
29,532,406.00
Free Float
26.6%
Low free float
— 26.6% of shares trade freely, ~73.4% held by insiders/institutions
Below average liquidity. Large orders can move the price significantly. Insiders or strategic holders control the majority — watch for lockup expirations or secondary offerings.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
10.63
Stock Price: $58.13
EPS (Diluted): 16.31
EPS (Diluted): 16.31
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.29
Stock Price: $58.13
Total Equity: $12.35B
Shares: 111,713,000
Total Equity: $12.35B
Shares: 111,713,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
6.84
Market Cap: $6.46B
Total Debt: $12.63B
Cash: $11.98B
EBITDA: $2.75B
Total Debt: $12.63B
Cash: $11.98B
EBITDA: $2.75B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$16.7B
Market Cap: $6.46B
Total Debt: $12.63B
Cash: $11.98B
Total Debt: $12.63B
Cash: $11.98B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
65.3%
Gross Profit: $6.03B
Revenue: $9.24B
Revenue: $9.24B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
25.2%
Operating Income: $2.33B
Revenue: $9.24B
Revenue: $9.24B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
19.7%
Net Income: $1.82B
Revenue: $9.24B
Revenue: $9.24B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
17.2%
Net Income: $1.82B
Total Equity: $12.35B
Total Equity: $12.35B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
4.8%
Operating Income: $2.33B
Tax Rate: 21.5%
Equity: $12.35B
Total Debt: $12.63B
Cash: $11.98B
Tax Rate: 21.5%
Equity: $12.35B
Total Debt: $12.63B
Cash: $11.98B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
2.07
Current Assets: $13.12B
Current Liabilities: $6.35B
Current Liabilities: $6.35B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.02
Short-Term Debt: $6.35B
Long-Term Debt: $6.28B
Total Debt: $12.63B
Total Equity: $12.35B
Long-Term Debt: $6.28B
Total Debt: $12.63B
Total Equity: $12.35B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$82.70
Revenue: $9.24B
Shares: 111,713,000
Shares: 111,713,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$110.53
Total Equity: $12.35B
Shares: 111,713,000
Shares: 111,713,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$11.70
Operating CF: $1.83B
CapEx: -$523.40M
Shares: 111,713,000
CapEx: -$523.40M
Shares: 111,713,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
2.6%
Last Dividend: N/A
Stock Price: $58.13
Stock Price: $58.13
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $1.82B
Net Income: $1.82B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares IFS against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 5, 2026 4:06am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $6.3B | $7.4B | $8.8B | $8.9B | $9.2B |
| Cost of Revenue | $1.4B | $2.4B | $4.5B | $4.1B | $3.2B |
| Gross Profit | $4.9B | $5.1B | $4.3B | $4.8B | $6.0B |
| Operating Expenses | $2.5B | $2.9B | $3.0B | $3.2B | $3.7B |
| Operating Income | $2.4B | $2.2B | $1.3B | $1.6B | $2.3B |
| Net Income | $1.8B | $1.7B | $1.1B | $1.3B | $1.8B |
| EBITDA | $2.7B | $2.5B | $1.7B | $2.1B | $2.7B |
| EPS | $15.51 | $14.39 | $9.33 | $11.38 | $16.31 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 5, 2026 4:06am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $17.1B | $13.0B | $9.6B | $12.2B | $12.0B |
| Total Current Assets | $39.3B | $34.5B | $36.8B | $3.4B | $13.1B |
| Total Assets | $90.0B | $87.5B | $89.6B | $95.5B | $99.1B |
| Current Liabilities | $59.6B | $49.6B | $50.7B | $56.0B | $6.4B |
| Long-Term Debt | $8.4B | $8.5B | $8.8B | $9.2B | $6.3B |
| Total Liabilities | $81.2B | $78.1B | $79.6B | $84.5B | $86.7B |
| Total Equity | $8.7B | $9.4B | $10.0B | $10.9B | $12.3B |
| Retained Earnings | $2.2B | $2.4B | $2.9B | $9.7B | $2.2B |
Cash Flow (Annual)
Last updated: Jul 5, 2026 4:06am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $1.3B | -$1.0B | $2.9B | -$1.8B | $1.8B |
| Capital Expenditure | -$257.8M | -$362.3M | -$428.0M | -$104.7M | -$523.4M |
| Free Cash Flow | $1.1B | -$1.4B | $2.4B | -$1.9B | $1.3B |
| Acquisitions (net) | $0 | -$193.2M | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $-594,000 | $0 | -$80.9M | -$122.7M | -$262.5M |
| Net Change in Cash | -$1.7B | -$3.7B | -$3.6B | $2.9B | $370.6M |
Analyst Estimates (Annual)
Last updated: Jul 5, 2026 4:06am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$6.5B $6.3B – $6.8B
|
$7.3B $7.1B – $7.5B
|
$8.3B $7.2B – $8.9B
|
$9.7B $8.7B – $10.5B
|
| EBITDA |
$1.9B $1.9B – $2.0B
|
$2.2B $2.1B – $2.2B
|
$2.5B $2.1B – $2.6B
|
$2.9B $2.6B – $3.1B
|
| Net Income |
$2.0B $2.0B – $2.0B
|
$2.3B $2.2B – $2.3B
|
$2.5B $2.5B – $2.6B
|
$2.8B $2.7B – $2.9B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 5, 2026 4:06am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +17.8% | +18.5% | +0.7% | +4.3% |
| Gross Profit Growth | +2.5% | -14.1% | +10.8% | +25.5% |
| Operating Income Growth | -9.4% | -37.8% | +22.2% | +41.7% |
| Net Income Growth | -6.8% | -35.7% | +21.2% | +40.1% |
| EBITDA Growth | -6.3% | -31.0% | +19.3% | +33.5% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-03-26 | Santa Maria Guzman Hugo Antonio | S-Sale | 225.00 | $47.76 | $10,746 |
| 2026-03-18 | Castellanos Lopez Torres Luis Felipe | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Zavala Lombardi Fernando Martin | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Aljovin Gazzani Lucia Cayetana | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Rodriguez-Pastor Persivale Carlos Tomas | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Vera Villacorta Liliana Elcira | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Santa Maria Guzman Hugo Antonio | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Sandoval Zavala Alejandro Christian | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Morris Guerinoni Felipe Federico Roy | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Martinez Barros Ramon Guillermo | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Casassa Ramat Michela | 0.00 | $0.00 | $0 | |
| 2023-12-20 | INTERCORP PERU LTD | P-Purchase | 321,466.23 | $20.00 | $6.4M |
| 2023-11-09 | INTERCORP PERU LTD | P-Purchase | 482,199.34 | $20.00 | $9.6M |
| 2023-10-02 | INTERCORP PERU LTD | 0.00 | $0.00 | $0 | |
| 2007-08-30 | Winter Terry M | 0.00 | $0.00 | $0 | |
| 2007-08-30 | Montgomery Terence R | 0.00 | $0.00 | $0 | |
| 2007-08-30 | Helwig David R | 0.00 | $0.00 | $0 | |
| 2007-08-30 | Daily Paul M | 0.00 | $0.00 | $0 | |
| 2007-08-30 | Conaway John Michal | 0.00 | $0.00 | $0 | |
| 2007-08-30 | BUCKMAN FREDERICK W | 0.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 5, 2026 4:06am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-04-24 | $1.80 | 2026-03-31 | 2026-04-24 | 2026-05-05 |
| 2025-04-24 | $1.00 | 2025-03-31 | 2025-04-24 | 2025-05-05 |
| 2024-04-17 | $1.00 | 2024-04-01 | 2024-04-18 | 2024-04-29 |
| 2023-04-27 | $1.18 | 2023-03-31 | 2023-04-28 | 2023-05-08 |
| 2022-04-27 | $1.66 | 2022-03-31 | 2022-04-28 | 2022-05-06 |
| 2021-12-14 | $0.62 | 2021-11-11 | 2021-12-15 | 2021-12-20 |
| 2021-04-27 | $0.77 | 2021-03-31 | 2021-04-28 | 2021-05-06 |
| 2020-04-27 | $1.75 | 2020-04-07 | 2020-04-28 | 2020-05-06 |
| 2019-04-23 | $1.75 | 2019-04-01 | 2019-04-24 | 2019-05-03 |
| 2018-04-23 | $1.40 | 2018-04-20 | 2018-04-24 | 2018-05-03 |
| 2017-04-26 | $1.30 | 2017-04-28 | 2017-05-10 | |
| 2016-04-28 | $1.30 | 2016-04-11 | 2016-05-02 | 2016-05-12 |
| 2014-04-28 | $1.60 | 2014-04-07 | 2014-04-30 | 2014-05-06 |
| 2013-04-26 | $1.60 | 2013-04-08 | 2013-04-30 | 2013-05-06 |
| 2012-04-19 | $1.48 | 2012-03-30 | 2012-04-23 | 2012-04-30 |
| 2011-04-15 | $1.12 | 2011-04-19 | ||
| 2010-04-21 | $0.96 | 2010-04-23 | 2010-04-28 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for IFS — it's generated by the pipeline (
market-narrative step).
No community reviews yet for IFS.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.377 · 1648bd22 · 2026-07-04 14:36:23