Saturday 17 October 2026
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Intercorp Financial Services Inc.
In the quarter to June 2026, revenue grew 18.3%, EPS grew 106.5%, free cash flow grew 720.1% and total debt rose 14.7%, each against the same quarter a year earlier. Revenue growth for five consecutive years.
54.60
0.29
+0.53%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | 7 | 4 | 7 | 4 | 6 | 6 | 7 |
P/E ratio |
0.41 | 7.36 | 4.70 | 38.96 | 35.94 | 6.56 | 6.27 | 8.04 | 13.58 | 16.17 |
P/S ratio |
0.00 | 0.00 | 0.00 | 0.00 | 2.31 | 1.94 | 1.49 | 1.22 | 1.68 | 2.33 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 28.23 | 3.57 | 2.41 | 12.55 | 1.43 | 1.50 | 7.88 |
P/Operating CF |
18.39 | 18.39 | 18.39 | 9.21 | 9.23 | 14.66 | 15.01 | 2.85 | 3.20 | (16.44) |
P/B ratio |
1.83 | 1.83 | 1.83 | 1.71 | 1.52 | 1.28 | 1.03 | 0.96 | 1.20 | 1.42 |
Price to Tangible BV |
2.08 | 2.08 | 2.08 | 1.92 | 1.72 | 1.44 | 1.23 | 1.16 | 1.42 | 1.64 |
EV/Sales |
0.00 | 0.00 | 0.00 | 0.00 | 1.88 | 1.20 | 1.21 | 0.54 | 0.51 | 1.41 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.00 | 0.00 | 0.00 | 21.90 | 2.82 | 1.39 | 6.63 | 0.58 | 0.43 | 3.58 |
EV/FCF |
0.00 | 0.00 | 0.00 | 21.90 | 2.91 | 1.49 | 10.25 | 0.64 | 0.46 | 4.75 |
Quick Ratio |
— | — | 0.24 | 0.28 | 0.38 | 0.33 | 0.26 | 0.19 | 0.22 | 0.23 |
Current Ratio |
— | — | 1.21 | 1.23 | 1.23 | 1.21 | 1.17 | 1.11 | 1.11 | 1.10 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
19.93% | 16.38% | 10.19% | 9.63% | 8.82% | 9.33% | 9.04% | 6.19% | 6.36% | 5.64% |
Debt/Equity |
2.12 | 1.71 | 0.92 | 0.77 | 0.87 | 0.88 | 0.79 | 0.55 | 0.55 | 0.45 |
Asset Turnover |
0.07 | 0.08 | 0.08 | 0.08 | 0.05 | 0.06 | 0.08 | 0.08 | 0.08 | 0.08 |
Operating CF/Net income |
2.42 | 2.33 | (1.98) | 1.16 | 33.90 | 0.75 | (0.61) | 2.68 | 2.24 | 0.95 |
Capex/Depreciation |
— | — | (1.22) | (0.80) | (0.92) | (0.92) | (0.92) | (1.04) | (0.74) | (1.15) |
| 15.10% | 19.41% | 16.72% | 17.90% | 4.19% | 18.36% | 16.96% | 10.89% | 12.37% | 16.92% | |
| 1.44% | 1.85% | 1.73% | 2.12% | 0.47% | 1.90% | 1.87% | 1.23% | 1.40% | 2.04% | |
ROIC |
0.00% | 0.00% | 18.52% | 25.80% | 0.00% | 177.83% | 28.50% | 14.66% | 23.18% | 38.28% |
Return on Tangible Assets |
139.20% | 166.67% | 13.28% | 14.04% | 3.14% | 15.45% | 17.22% | 15.98% | 18.25% | 27.59% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 41.96% | 35.88% | 51.39% | 37.68% | 37.86% | 37.13% | 36.92% | 34.92% |
Intangible Assets out of Total Assets |
0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(0.93) | (0.93) | (0.93) | (0.86) | (1.30) | (1.30) | (2.05) | (2.14) | (1.59) | (1.17) |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 20.79 | 43.21 | 43.71 | 34.12 | 39.27 | 50.53 |
Earnings Yield |
245.65% | 13.59% | 21.30% | 2.57% | 2.78% | 15.24% | 15.95% | 12.44% | 7.36% | 6.19% |
Free Cash Flow Yield |
0.00% | 0.00% | 0.00% | 3.54% | 28.01% | 41.43% | 7.97% | 70.05% | 66.58% | 12.69% |
Revenue per Share |
11.19 | 12.87 | 13.66 | 14.90 | 9.26 | 13.36 | 15.00 | 15.97 | 16.78 | 19.86 |
Operating CF per Share |
5.49 | 6.86 | (5.93) | 4.43 | 32.20 | 3.00 | (2.26) | 6.68 | 6.79 | 4.60 |
Capex per Share |
0.00 | 0.00 | (0.55) | (0.56) | (0.62) | (0.58) | (0.69) | (0.92) | (0.71) | (1.31) |
Free Cash Flow per Share |
5.49 | 6.86 | (6.48) | 3.87 | 31.58 | 2.43 | (2.95) | 5.77 | 6.08 | 3.29 |
Cash per Share |
0.00 | 0.00 | 23.09 | 29.57 | 46.50 | 38.17 | 29.50 | 22.83 | 29.42 | 35.26 |
Shareholders Equity per Share |
13.47 | 16.73 | 19.53 | 23.66 | 22.19 | 21.33 | 22.47 | 23.27 | 25.60 | 31.20 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
13.47 | 16.73 | 19.53 | 23.66 | 22.19 | 21.33 | 22.47 | 23.27 | 25.60 | 31.20 |
Free Cash Flow |
593.15 | 734.55 | (715.58) | 436.97 | 3,646.38 | 280.27 | (340.71) | 663.11 | 694.35 | 367.77 |
Working Capital |
— | — | 2,295.80 | 2,792.01 | 3,250.33 | 2,775.48 | 2,284.48 | 1,580.12 | 1,681.74 | 1,694.01 |
Capital Expenditures |
(62.93) | (75.20) | (61.05) | (63.15) | (71.07) | (66.41) | (79.49) | (105.72) | (81.17) | (145.90) |
Net Current Asset Value |
(13,969.00) | (16,871.00) | (4,162.55) | (3,956.51) | (5,328.85) | (4,700.85) | (4,366.00) | (5,645.32) | (5,330.31) | (5,619.03) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.04 | 0.04 | 0.07 | 0.04 | 0.05 | 0.06 | 0.04 | 0.07 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.19 | 5.23 | 7.31 | 11.10 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.26 | 0.28 | 0.32 | 0.34 | 0.42 | 0.47 | 0.51 | 0.47 |
Cash ROIC |
13.08% | 15.15% | (10.71%) | 5.42% | 35.90% | 3.10% | (4.24%) | 9.77% | 8.78% | 4.09% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
— | — | 0.03 | 0.04 | 0.03 | 0.02 | 0.03 | 0.05 | 0.04 | 0.04 |
Inventory Turnover |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
— | — | 11,048.13 | 10,406.70 | 15,091.06 | 17,725.13 | 11,346.75 | 7,405.35 | 8,566.79 | 9,793.80 |
Days of Inventory on Hand |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
— | — | 11,406.20 | 11,406.20 | 13,066.88 | 13,668.88 | 13,285.14 | 13,700.00 | 14,788.99 | 16,261.02 |
Average Assets |
17,066.00 | 17,066.00 | 19,034.71 | 20,422.32 | 23,345.78 | 24,208.23 | 22,875.70 | 23,272.47 | 24,708.72 | 26,629.25 |
Average Common Equity |
1,622.50 | 1,622.50 | 1,973.51 | 2,412.69 | 2,615.04 | 2,511.59 | 2,527.16 | 2,634.51 | 2,800.98 | 3,205.68 |
Columns are period end dates