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Intercorp Financial Services Inc.

IFS Financial Banks Regional

Intercorp Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.2 billion, up 15.7% from fiscal 2024.

Revenue
+18.3%
EPS
+106.5%
Free cash flow
+720.1%
Total debt
+14.7%

Quarter to June 2026, against a year earlier

47.32 0.95 −1.97%
Market cap
$5.6B
P/E
13.8×
Fwd P/E
0.0×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — — — — — — —
Insider Ownership 73.42%

Capital & Financial Ratios $m

Size
Market Cap 5,600.00
Revenue ttm 2,153.69
Net income ttm 925.43
Free cash flow ttm 470.76
Net debt Q (2,426.68)
Valuation
P/E 13.76
Forward P/E 0.00
Price / sales 2.44
Forward P/S Powerpack
Price / FCF 11.17
Price / book 1.39
Financial health
Current ratio Q 1.10
Debt / equity Q 0.59
Interest coverage Q —
Growth
Revenue growth Q +18.27% (above 0%: growing)
Operating income growth Q +71.92% (above 0%: growing)
EPS, this year +21.46% (at or above 15%: strong)
EPS, next year A +12.32%
Revenue, next year A +241.42% (at or above 10%: strong)
EPS, past 5 yrs +38.55% (at or above 15%: strong)
EPS, next 5 yrs A +14.90%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.32%
10-year low 10-year high
P/S against its own 10 years 86.22%
10-year low 10-year high
P/B against its own 10 years 67.66%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2016–23
−100.0%/yr
  1. 1.30 ’16
  2. 1.30 ’17 +0
  3. 1.40 ’18 +8
  4. 1.75 ’19 +25
  5. 0.77 ’21 −56
  6. 0.00 ’22 −100
  7. 0.00 ’23
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,626 3,362 3,938 4,650
Receivables — — — —
Inventory — — — —
Other — — — —
15,644 17,196 18,702 20,832
2023 2024 2025 Q'26
Payables 14,064 15,514 17,008 18,978
ST’ Debt — — — —
Other — — — —
14,064 15,514 17,008 18,978

Compound Annual Growth %

10y 5y 3y
Sales — 15.71% 8.61%
Cash Flow — (32.69%) 0.00%
Earnings — 37.67% 8.16%
Book Value — 6.35% 10.37%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 1.45 Actual 1.53

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 1.16 1.12 Miss by 0.04
Dec 2025 1.10 1.23 Beat by 0.13
Mar 2026 1.40 1.59 Beat by 0.19
Jun 2026 1.45 1.53 Beat by 0.08
Sep 2026 1.46 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.59 — — — —
’25 1.06 — — — 4.85
’24 0.33 — — — 3.03
’23 0.60 0.77 0.46 — 2.49
’22 0.91 0.58 1.36 0.89 3.71
’21 1.25 1.03 — 0.56 4.00
’20 0.37 (1.15) 0.78 0.90 0.95
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 656 — — — —
’25 509 — — — 2,218
’24 433 — — — 1,918
’23 456 555 556 — 1,836
’22 373 422 525 411 1,731
’21 422 414 422 309 1,542
’20 343 400 441 436 1,070
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (31) 817 — — —
’25 (104) 150 (291) — 514
’24 679 (211) 1,051 — 776
’23 692 174 885 — 769
’22 (492) 218 427 180 (261)
’21 567 247 326 208 347
’20 361 (41) 355 405 3,717
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (64) 791 — — —
’25 (128) 116 (372) — 368
’24 660 (232) 992 — 694
’23 675 151 816 — 663
’22 (508) 206 372 180 (341)
’21 558 244 290 208 280
’20 335 (44) 342 405 3,646
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,209 1,377 1,509 1,681 1,070 1,542 1,731 1,836 1,918 2,218 2,154 +7.0% — — — —
Gross margin, % 0.00 0.00 76.39 74.89 68.11 82.32 75.22 62.25 65.53 71.43 65.45 +71.4 pt
EBT 342 411 469 577 102 616 560 360 439 683 492 +8.0%
EBT margin, % 28.29 29.85 31.10 34.34 9.53 39.96 32.35 19.61 22.87 30.81 22.83 +2.5 pt
Net income 245 315 332 435 110 464 431 289 348 545 925 +9.3%
Per share, $
Per share, $ Revenue 11.19 12.87 13.66 14.90 9.26 13.36 15.00 15.97 16.78 19.86 19.39 +6.6%
Earnings 2.26 2.95 3.01 3.81 0.95 4.00 3.71 2.49 3.03 4.85 3.44 +8.9%
Cash flow 5.49 6.86 (5.93) 4.43 32.20 3.00 (2.26) 6.68 6.79 4.60 0.00 (2.0%)
Capex 0.00 0.00 (0.55) (0.56) (0.62) (0.58) (0.69) (0.92) (0.71) (1.31) 0.00 n/m
Free cash flow 5.49 6.86 (6.48) 3.87 31.58 2.43 (2.95) 5.77 6.08 3.29 0.00 (5.5%)
Book value 13.47 16.73 19.53 23.66 22.19 21.33 22.47 23.27 25.60 31.20 0.00 +9.8%
Shares, m 108 107 110 113 115 115 115 115 114 112 114 +0.4%
Valuation, ×
Valuation, × P/E 0.41 7.36 4.70 38.96 35.94 6.56 6.27 8.04 13.58 16.17 13.76 13.8
P/S 0.00 0.00 0.00 0.00 2.31 1.94 1.56 1.28 1.68 2.33 2.44 1.1
P/B 1.83 1.83 1.83 1.71 1.52 1.28 1.03 0.96 1.20 1.42 1.39 1.5
EV/Sales 0.00 0.00 0.00 0.00 1.88 1.20 1.21 0.54 0.51 1.41 — 0.7
EV/FCF 0.00 0.00 0.00 21.90 2.91 1.49 10.25 0.64 0.46 4.75 — 4.2
Cash, $m
Cash, $m Operating cash flow 593 735 (655) 500 3,717 347 (261) 769 776 514 645 (1.6%)
Capex (63) (75) (61) (63) (71) (66) (79) (106) (81) (146) (174) +9.8%
Free cash flow 593 735 (716) 437 3,646 280 (341) 663 694 368 471 (5.2%)
Balance, $m
Balance, $m Working capital — — 2,296 2,792 3,250 2,775 2,284 1,580 1,682 1,694 1,855 (4.2%)
Net debt 3,081 3,059 (573) (1,270) (3,143) (2,245) (1,365) (1,141) (1,743) (2,370) (2,427) n/m
Shareholders’ equity 1,455 1,790 2,157 2,668 2,562 2,461 2,593 2,676 2,926 3,486 3,769 +10.2%
Returns, %
Returns, % ROA 1.44 1.85 1.73 2.12 0.47 1.90 1.87 1.23 1.40 2.04 0.00 +0.6 pt
ROIC 0.00 0.00 18.52 25.80 0.00 177.83 28.50 14.66 23.18 38.28 0.00 +38.3 pt
ROE 15.10 19.41 16.72 17.90 4.19 18.36 16.96 10.89 12.37 16.92 0.00 +1.8 pt
People
People Employees — — 6,759 7,613 7,407 7,378 8,076 8,333 8,542 9,229 — +4.6%
Revenue/emp, $m 0.00 0.00 0.22 0.22 0.14 0.21 0.21 0.22 0.22 0.24 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Mar 2026 · fundamentals updated 26 Oct 2026

Intercorp Financial Services Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
IFS Intercorp Financial Services Inc. $5.6B 13.8× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00%
OZK Bank OZK $5.6B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00% Compare
ABCB Ameris Bancorp $5.5B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
AX AXOS FINANCIAL, INC $5.2B 10.3× 9.1× +16.63% (above 0%: growing) +14.79% (above 0%: growing) +115.45% (above 0%: growing) 68.01% 0.00% Compare
EBC Eastern Bankshares, Inc. $5.2B 13.1× 12.5× +27.06% (above 0%: growing) −3.77% (below 0%: shrinking) +25.53% (above 0%: growing) 74.39% 0.00% Compare
Median of peers $5.5B 11.5× 11.3× +4.63% +4.33% +28.71% 71.15% 0.00%

All 327 Banks Regional stocks →

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IFS metrics, ten years each

stockrow.com/IFS · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com