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 '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) — —
ROE
16.92% 12.37% 10.89% 16.96% 18.36% 4.19% 17.90% 16.72% 19.41% 15.10%
ROA
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

Fold the line items

Columns are period end dates