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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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.01
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — — — — — — —
Insider Ownership 73.42%

Capital & Financial Ratios $m

Market Cap 6,310.00
Revenue 2,153.69
Net Income 925.43
Free Cash Flow 470.76
Net Debt (2,426.68)
Current Ratio 1.10
Debt/Equity 0.59
P/E ratio 15.87
Fwd P/E 0.00
P/S ratio 2.82
P/B ratio 1.61
Past 5Y EPS Growth 38.55% (at or above 15%: strong)
This Y EPS Growth 20.97% (at or above 15%: strong)
Next Y EPS Growth 11.36%
Next Y revenue growth 241.42% (at or above 10%: strong)
Next 5Y EPS Growth 14.36%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.60%
10-year low 10-year high
P/S against its own 10 years 95.45%
10-year low 10-year high
P/B against its own 10 years 83.81%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 0.00
1.75
2021 0.77
0.77
0.65
2019 1.75
1.75
2018 1.40
1.40
2017 1.30
1.30
2016 1.30
1.30
special payouts not included in total or ratios

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%

Revenue $m

Mar Jun Sep Dec Year
’26 656 — — — —
’25 509 — — — 2,218
’24 433 — — — 1,918
’23 456 555 556 — 1,836
’22 373 422 525 501 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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 37.71 19.24 17.67 19.65 17.94 20.56 28.11

Analyst estimates 2026–2028

Powerpack
High — — — 47.46 45.01 35.96 37.64 26.02 30.59 43.67
People
People Employees — — 6,759 7,613 7,407 7,378 8,076 8,333 8,542 9,229
Revenue/emp, $m 0.00 0.00 0.22 0.22 0.14 0.21 0.21 0.22 0.22 0.24
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
Gross margin, % 0.00 0.00 76.39 74.89 68.11 82.32 75.22 62.25 65.53 71.43
EBT 342 411 469 577 102 616 560 360 439 683
EBT margin, % 28.29 29.85 31.10 34.34 9.53 39.96 32.35 19.61 22.87 30.81
Net income 245 315 332 435 110 464 431 289 348 545
Depreciation — — 50 79 77 72 87 101 110 126
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
Earnings 2.26 2.95 3.01 3.81 0.95 4.00 3.71 2.49 3.03 4.85
Cash flow 5.49 6.86 (5.93) 4.43 32.20 3.00 (2.26) 6.68 6.79 4.60
Capex 0.00 0.00 (0.55) (0.56) (0.62) (0.58) (0.69) (0.92) (0.71) (1.31)
Free cash flow 5.49 6.86 (6.48) 3.87 31.58 2.43 (2.95) 5.77 6.08 3.29
Book value 13.47 16.73 19.53 23.66 22.19 21.33 22.47 23.27 25.60 31.20
Shares, m 108 107 110 113 115 115 115 115 114 112
Valuation, ×
Valuation, × P/E 0.41 7.36 4.70 38.96 35.94 6.56 6.27 8.04 13.58 16.17
P/S 0.00 0.00 0.00 0.00 2.31 1.94 1.49 1.22 1.68 2.33
P/B 1.83 1.83 1.83 1.71 1.52 1.28 1.03 0.96 1.20 1.42
EV/Sales 0.00 0.00 0.00 0.00 1.88 1.20 1.21 0.54 0.51 1.41
EV/FCF 0.00 0.00 0.00 21.90 2.91 1.49 10.25 0.64 0.46 4.75
Cash, $m
Cash, $m Operating cash flow 593 735 (655) 500 3,717 347 (261) 769 776 514
Capex (63) (75) (61) (63) (71) (66) (79) (106) (81) (146)
Free cash flow 593 735 (716) 437 3,646 280 (341) 663 694 368
Balance, $m
Balance, $m Working capital — — 2,296 2,792 3,250 2,775 2,284 1,580 1,682 1,694
Total debt 3,081 3,059 1,977 2,065 2,226 2,161 2,041 1,485 1,619 1,569
Net debt 3,081 3,059 (573) (1,270) (3,143) (2,245) (1,365) (1,141) (1,743) (2,370)
Shareholders’ equity 1,455 1,790 2,157 2,668 2,562 2,461 2,593 2,676 2,926 3,486
Returns, %
Returns, % 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
ROE 15.10 19.41 16.72 17.90 4.19 18.36 16.96 10.89 12.37 16.92
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Mar 2026

Charts ten years each

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
VLY Valley National Bancorp $7.1B 10.6× 10.8× +4.09% (above 0%: growing) +30.43% (above 0%: growing) +2.65% (above 0%: growing) 62.09% 0.00% Compare
UBSI United Bankshares, Inc. $6.4B 12.7× 12.1× +0.89% (above 0%: growing) +11.76% (above 0%: growing) +14.62% (above 0%: growing) 70.90% 0.00% Compare
IFS Intercorp Financial Services Inc. $6.3B 15.9× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00%
FNB F.N.B. Corporation $6.1B 10.3× 10.2× +0.15% (above 0%: growing) +16.67% (above 0%: growing) +183.53% (above 0%: growing) 68.59% 0.00% Compare
HWC Hancock Whitney Corporation $5.9B 14.2× 13.1× +4.02% (above 0%: growing) +18.18% (above 0%: growing) +23.30% (above 0%: growing) 77.00% 0.00% Compare
HOMB Home BancShares, Inc. $5.8B 12.0× 11.0× +1.68% (above 0%: growing) +2.81% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
GBCI Glacier Bancorp, Inc. $5.7B 18.0× 15.3× +19.14% (above 0%: growing) +66.67% (above 0%: growing) +42.03% (above 0%: growing) 78.15% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 11.4× 10.0× −2.50% (below 0%: shrinking) +825.00% (above 0%: growing) −92.37% (below 0%: shrinking) 71.98% 0.00% Compare
ASB Associated Banc-Corp $5.5B 10.1× 9.8× +14.89% (above 0%: growing) −3.03% (below 0%: shrinking) +48.78% (above 0%: growing) 64.01% 0.00% Compare
Median of peers $5.8B 11.7× 10.9× +2.85% +17.43% +21.80% 71.44% 0.00%

All 323 Banks Regional stocks →

Intercorp Financial Services Inc. (IFS) key facts

  • Strength: Net income was $545.3 million, or $4.85 per share (basic), a net margin of 24.4%.
  • Intercorp Financial Services Inc. (IFS) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, IFS traded at $54.60, a market capitalization of $6.3 billion.
  • At that price the stock trades at 15.9× trailing-twelve-month earnings and 2.8× sales; its P/E is higher than 74% of its own readings over the past ten years.
  • Return on equity was 16.9% and debt-to-equity 0.59.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Intercorp Financial Services Inc. (IFS) Latest News

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stockrow.com/IFS · Data as of Mar 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com