Intercorp Financial Services Inc.

IFS Financial Banks Regional

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%
Market cap
$6.3B
P/E
15.9×
Fwd P/E
0.0×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
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)
ROE
15.10% 19.41% 16.72% 17.90% 4.19% 18.36% 16.96% 10.89% 12.37% 16.92%
ROA
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

Fold the line items

Columns are period end dates