NYSE : IFS
Intercorp Financial Services Inc. — Financial statements
Financials · Banks - Regional · Peru
Last price 47.06 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 5.19B
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Financial statements
Income statement
Fiscal year January - December; amounts in PEN.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 7.01B | 6.89B | 7.03B | 7.12B | 5.87B | 4.61B |
| Interest Paid on Deposits | 2.25B | 2.26B | 2.48B | 2.59B | 1.66B | 1.06B |
| Net Interest Income | 4.76B | 4.63B | 4.55B | 4.53B | 4.21B | 3.55B |
| Gain (Loss) on Sale of Assets | 41.33M | 41.33M | 12.24M | 34.07M | 30.96M | 11.85M |
| Gain (Loss) on Sale of Investments | 166.98M | 200.33M | 61.01M | 14.11M | -112.78M | 344.62M |
| Gain (Loss) on Sale of Equity Investments | 12.28M | 7.61M | 7.45M | 18.69M | 33.38M | |
| Other Non-Interest Income | 1.84B | 1.76B | 1.58B | 1.50B | 1.46B | 1.08B |
| Total Non-Interest Income | 2.06B | 2.00B | 1.66B | 1.54B | 1.40B | 1.47B |
| Revenues Before Loan Losses | 6.81B | 6.63B | 6.21B | 6.07B | 5.60B | 5.01B |
| Provision for Loan Losses | 944.09M | 1.14B | 1.72B | 1.98B | 830.55M | 381.58M |
| Revenue | 5.87B | 5.50B | 4.49B | 4.09B | 4.77B | 4.63B |
| Salaries and Employee Benefits | 1.20B | 1.12B | 955.25M | 897.27M | 870.48M | 807.38M |
| Occupancy Expenses | 452.57M | 450.27M | 413.06M | 379.04M | 336.23M | 279.69M |
| Selling, General & Administrative | 1.42B | 1.35B | 1.25B | 1.21B | 1.12B | 921.05M |
| Other Non-Interest Expense | 229.52M | 202.58M | 292.16M | 250.31M | 323.86M | 333.59M |
| Total Non-Interest Expense | 3.31B | 3.12B | 2.91B | 2.74B | 2.65B | 2.34B |
| EBT Excluding Unusual Items | 2.56B | 2.38B | 1.57B | 1.35B | 2.13B | 2.29B |
| Asset Writedown | 109.92M | 97.94M | 49.86M | 3.66M | 12.88M | 11.60M |
| Pretax Income | 2.67B | 2.47B | 1.62B | 1.35B | 2.14B | 2.30B |
| Income Tax Expense | 563.44M | 530.25M | 314.37M | 275.60M | 462.54M | 502.11M |
| Earnings From Continuing Operations | 2.10B | 1.94B | 1.31B | 1.08B | 1.68B | 1.80B |
| Minority Interest in Earnings | -12.37M | -10.72M | -7.38M | -6.55M | -10.09M | -10.02M |
| Net Income | 2.09B | 1.93B | 1.30B | 1.07B | 1.67B | 1.79B |
| Net Income to Common | 2.09B | 1.93B | 1.30B | 1.07B | 1.67B | 1.79B |
| Basic Shares Outstanding | 110.80M | 111.71M | 114.29M | 115.01M | 115.42M | 115.42M |
| Diluted Shares Outstanding | 110.80M | 111.71M | 114.29M | 115.01M | 115.42M | 115.42M |
| EPS (Basic) | 18.88 | 17.30 | 11.38 | 9.33 | 14.45 | 15.51 |
| EPS (Diluted) | 18.88 | 17.30 | 11.38 | 9.33 | 14.45 | 15.51 |
| Dividend Per Share | 6.06 | 6.06 | 3.77 | 3.71 | 4.49 | 6.99 |
| Effective Tax Rate | 21.12% | 21.44% | 19.38% | 20.34% | 21.61% | 21.81% |
Balance sheet
Fiscal year January - December; amounts in PEN.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 5.82B | 4.14B | 3.36B | 2.47B | 3.93B | 17.10B |
| Investment Securities | 28.84B | 26.25B | 24.91B | 23.74B | 19.80B | 24.55B |
| Trading Asset Securities | 532.79M | 284.52M | 295.96M | 352.13M | 725.35M | |
| Total Investments | 29.37B | 26.54B | 25.20B | 24.09B | 20.53B | 24.55B |
| Gross Loans | 54.18B | 51.87B | 50.64B | 48.77B | 47.32B | 45.10B |
| Allowance for Loan Losses | -1.57B | -1.59B | -1.73B | -2.35B | -2.03B | -2.06B |
| Net Loans | 52.62B | 50.28B | 48.91B | 46.42B | 45.29B | 43.04B |
| Property, Plant & Equipment | 996.52M | 967.29M | 814.43M | 804.83M | 791.43M | 815.12M |
| Goodwill | 669.08M | 669.08M | 669.08M | 669.08M | ||
| Other Intangible Assets | 1.58B | 957.03M | 998.68M | 1.02B | 964.13M | 1.04B |
| Investments in Real Estate | 1.67B | 1.54B | 1.38B | 1.30B | 1.29B | 1.22B |
| Accrued Interest Receivable | 1.02B | 1.01B | 1.02B | 1.07B | 916.96M | |
| Other Receivables | 1.22B | 1.02B | 1.40B | 1.18B | 800.44M | 1.83B |
| Restricted Cash | 10.14B | 9.88B | 9.23B | 7.32B | 9.24B | |
| Other Current Assets | 158.70M | 263.36M | 682.95M | 462.81M | 91.27M | 152.42M |
| Long-Term Deferred Tax Assets | 58.76M | 41.87M | 19.21M | 55.94M | 165.79M | 142.37M |
| Other Real Estate Owned & Foreclosed | 28.93M | 27.27M | ||||
| Other Long-Term Assets | 488.95M | 1.59B | 1.62B | 2.53B | 2.58B | 53.85M |
| Total Assets | 105.35B | 99.10B | 95.50B | 89.62B | 87.48B | 89.95B |
| Accounts Payable | 365.45M | 167.30M | 353.79M | 106.95M | 53.91M | 2.47B |
| Accrued Expenses | 205.27M | 171.28M | 109.39M | 105.73M | 154.46M | |
| Interest Bearing Deposits | 51.54B | 48.27B | 46.15B | 41.23B | 39.85B | 39.63B |
| Non-Interest Bearing Deposits | 7.97B | 7.76B | 7.61B | 7.96B | 8.68B | 9.27B |
| Total Deposits | 59.51B | 56.03B | 53.77B | 49.19B | 48.53B | 48.90B |
| Short-Term Borrowings | 327.49M | 262.10M | 163.44M | 265.11M | 380.45M | |
| Current Portion of Long-Term Debt | 5.43B | 6.35B | 3.93B | 4.85B | 4.57B | |
| Current Portion of Leases | 38.26M | 35.54M | 2.71M | 38.09M | ||
| Current Income Taxes Payable | 101.57M | 99.08M | 87.26M | 80.33M | 138.82M | |
| Other Current Liabilities | 540.73M | 405.36M | 565.71M | 266.99M | 230.39M | 152.42M |
| Long-Term Debt | 8.50B | 6.40B | 9.71B | 9.73B | 10.38B | 16.91B |
| Long-Term Leases | 122.53M | 105.99M | 108.26M | 87.80M | 74.49M | |
| Long-Term Unearned Revenue | 46.96M | 41.38M | 36.39M | 23.49M | 57.00M | |
| Long-Term Deferred Tax Liabilities | 129.17M | 136.13M | 140.65M | 75.71M | 81.90M | |
| Other Long-Term Liabilities | 17.13B | 16.46B | 15.52B | 14.84B | 13.36B | 12.79B |
| Total Liabilities | 92.41B | 86.68B | 84.53B | 79.62B | 78.06B | 81.22B |
| Common Stock | 1.04B | 1.04B | 1.04B | 1.04B | 1.04B | 1.04B |
| Additional Paid-In Capital | 532.77M | 532.77M | 532.77M | 532.77M | 532.77M | 532.77M |
| Retained Earnings | 1.78B | 11.28B | 9.74B | 8.92B | 8.36B | 7.42B |
| Treasury Stock | -578.61M | -469.55M | -207.00M | -84.31M | -3.36M | -3.36M |
| Comprehensive Income & Other | 10.09B | -36.03M | -187.83M | -457.79M | -554.42M | -302.48M |
| Total Common Equity | 12.87B | 12.35B | 10.92B | 9.95B | 9.37B | 8.68B |
| Minority Interest | 76.17M | 73.25M | 63.36M | 57.88M | 53.76M | 49.98M |
| Shareholders' Equity | 12.94B | 12.42B | 10.98B | 10.01B | 9.43B | 8.73B |
| Total Liabilities & Equity | 105.35B | 99.10B | 95.50B | 89.62B | 87.48B | 89.95B |
| Total Debt | 14.38B | 13.16B | 13.94B | 14.93B | 15.45B | 16.91B |
| Net Cash (Debt) | -7.80B | -8.60B | -10.14B | -12.11B | -10.79B | 191.94M |
| Net Cash Per Share | -70.39 | -77.02 | -88.70 | -105.26 | -93.47 | 1.66 |
| Filing Date Shares Outstanding | 110.40M | 111.08M | 113.29M | 114.48M | 115.42M | 115.42M |
| Total Common Shares Outstanding | 110.40M | 111.08M | 113.29M | 114.48M | 115.42M | 115.42M |
| Book Value Per Share | 116.55 | 111.17 | 96.35 | 86.92 | 81.20 | 75.25 |
| Tangible Book Value | 11.29B | 10.72B | 9.25B | 8.26B | 7.74B | 7.64B |
| Tangible Book Value Per Share | 102.22 | 96.53 | 81.63 | 72.18 | 67.05 | 66.20 |
Cash flow statement
Fiscal year January - December; amounts in PEN.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 2.09B | 1.93B | 1.30B | 1.07B | 1.67B | 1.79B |
| Depreciation & Amortization | 229.81M | 227.51M | 413.06M | 379.04M | 336.23M | 279.69M |
| Other Amortization | 222.76M | 222.76M | ||||
| Gain (Loss) on Sale of Assets | -2.08M | -2.08M | -9.70M | -15.30M | -11.78M | |
| Gain (Loss) on Sale of Investments | -166.98M | -200.33M | -61.01M | -14.11M | 112.78M | -344.62M |
| Total Asset Writedown | -113.08M | -101.10M | -60.26M | -7.11M | -19.15M | -21.97M |
| Provision for Credit Losses | 944.09M | 1.14B | 1.72B | 1.98B | 830.55M | 381.58M |
| Change in Trading Asset Securities | -488.48M | 94.50M | -125.39M | 323.11M | 481.09M | -659.97M |
| Accrued Interest Receivable | -27.50M | 22.49M | 58.69M | -167.47M | ||
| Change in Income Taxes | -305.59M | -305.59M | -363.46M | -450.12M | -334.17M | -280.41M |
| Change in Other Net Operating Assets | -2.72B | -3.27B | -4.69B | -1.03B | -3.61B | -1.93B |
| Other Operating Activities | -41.18M | -62.14M | 160.87M | 104.50M | 655.00K | 240.02M |
| Operating Cash Flow | -289.42M | -373.70M | -1.78B | 2.37B | -544.86M | -547.96M |
| Capital Expenditures | -283.19M | -301.44M | -104.72M | -147.65M | -135.04M | -87.28M |
| Sale of Property, Plant and Equipment | 4.32M | 3.46M | 45.46M | 32.67M | 54.31M | |
| Cash Acquisitions | -193.22M | |||||
| Investment in Securities | -277.17M | -355.90M | 320.18M | -3.12B | -857.59M | -1.91B |
| Purchase / Sale of Intangibles | -230.55M | -221.97M | -245.33M | -280.39M | -227.27M | -170.53M |
| Investing Cash Flow | -894.82M | -938.56M | -7.04M | -3.53B | -1.39B | -2.33B |
| Short-Term Debt Issued | 54.99M | 91.25M | 30.48M | |||
| Long-Term Debt Issued | 1.63B | 1.71B | ||||
| Total Debt Issued | 2.15B | 1.68B | 1.71B | 91.25M | 30.48M | |
| Short-Term Debt Repaid | -121.44M | -30.95M | ||||
| Long-Term Debt Repaid | -1.59B | -1.35B | -2.28B | -284.88M | -184.38M | |
| Lease Payments | -86.08M | -83.05M | -82.64M | -89.33M | -146.98M | -93.38M |
| Total Debt Repaid | -1.59B | -1.59B | -1.47B | -2.28B | -284.88M | -215.32M |
| Net Debt Issued (Repaid) | 560.81M | 95.14M | 235.78M | -2.19B | -254.40M | -215.32M |
| Repurchase of Common Stock | -172.89M | -262.55M | -122.69M | -80.95M | -594.00K | |
| Common Dividends Paid | -710.70M | -406.83M | -427.37M | -511.79M | -751.53M | -332.10M |
| Net Increase (Decrease) in Deposit Accounts | 4.65B | 2.20B | 4.69B | 503.54M | -467.21M | 1.89B |
| Other Financing Activities | 18.40M | 177.01M | 301.94M | -233.57M | -270.29M | -11.93M |
| Financing Cash Flow | 4.34B | 1.81B | 4.68B | -2.51B | -1.74B | 1.03B |
| Foreign Exchange Rate Adjustments | -29.28M | -124.22M | 12.50M | 37.40M | -26.68M | 112.79M |
| Net Cash Flow | 3.13B | 370.58M | 2.90B | -3.63B | -3.71B | -1.73B |
| Free Cash Flow | -572.61M | -675.14M | -1.88B | 2.22B | -679.90M | -635.24M |
| Free Cash Flow Margin | -9.76% | -12.28% | -41.96% | 54.38% | -14.24% | -13.71% |
| Free Cash Flow Per Share | -5.17 | -6.04 | -16.47 | 19.34 | -5.89 | -5.50 |
| Free Cash Flow After Leases | -658.69M | -758.19M | -1.96B | 2.13B | -826.88M | -728.62M |
| Cash Interest Paid | 2.11B | 2.11B | 2.43B | 2.25B | 1.40B | 988.32M |
| Cash Income Tax Paid | 305.59M | 305.59M | 363.46M | 450.12M | 334.17M | 280.41M |
Ratios
Fiscal year January - December; amounts in PEN.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.24B | 4.69B | 3.32B | 2.52B | 2.76B | 3.10B |
| Last Close Price | 46.55 | 40.78 | 27.41 | 19.64 | 20.00 | 21.21 |
| PE Ratio | 8.55 | 8.16 | 9.62 | 8.72 | 6.30 | 6.91 |
| PS Ratio | 3.05 | 2.87 | 2.79 | 2.29 | 2.20 | 2.67 |
| PB Ratio | 1.38 | 1.27 | 1.14 | 0.94 | 1.11 | 1.42 |
| P/FCF Ratio | 4.21 | |||||
| P/OCF Ratio | 3.94 | |||||
| Debt / Equity Ratio | 1.11 | 1.06 | 1.27 | 1.49 | 1.64 | 1.94 |
| Debt / FCF Ratio | 6.71 | |||||
| Net Debt / Equity Ratio | 0.60 | 0.69 | 0.92 | 1.21 | 1.15 | -0.02 |
| Net Debt / FCF Ratio | -13.62 | -12.74 | -5.39 | 5.44 | -15.87 | 0.30 |
| Return on Equity (ROE) | 17.23% | 16.61% | 12.46% | 11.11% | 18.48% | 20.35% |
| Return on Assets (ROA) | 2.07% | 2.00% | 1.41% | 1.22% | 1.89% | 2.02% |
| Earnings Yield | 11.70% | 12.25% | 10.39% | 11.47% | 15.88% | 14.47% |
| FCF Yield | -3.15% | -4.28% | -15.04% | 23.78% | -6.47% | -5.13% |
| Dividend Yield | 3.67% | 4.26% | 3.42% | 4.54% | 4.94% | 6.52% |
| Payout Ratio | 31.18% | 21.05% | 32.87% | 47.71% | 45.05% | 18.55% |
| Buyback Yield / Dilution | 2.29% | 2.25% | 0.63% | 0.35% | 0.00% | 0.02% |
| Total Shareholder Return | 5.96% | 6.51% | 4.04% | 4.90% | 4.94% | 6.54% |