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