Intercorp Financial Services Inc.

IFS

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Regular session

$54.98

+$0.09 · +0.16%

Aug 24, 11:17 AM ET

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

57/100

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

Fair Value

Momentum

Gaining

Sentiment

Mixed

Risk resilience

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

Intercorp Financial Services Inc. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through three primary divisions: Banking, Insurance, and Wealth Management. Its banking segment offers diverse deposit options, such as various transactional and savings accounts, investment accounts, and fixed-term instruments including certificates of deposit and compensation for service time accounts. For retail customers, IFS provides credit cards, mortgages, payroll-deduction loans, general consumer loans, as well as specialized cash, student, and collateralized cash loans. Business clients, from small to large enterprises, benefit from commercial banking services covering corporate financing, commercial real estate, vehicle and equipment loans, cash management, trade finance, and electronic factoring. Additionally, the company manages treasury and institutional banking, along with securitization services. Within its insurance operations, IFS offers annuities, conventional life insurance, and other retail insurance products. The wealth management arm delivers financial advisory services across equities, fixed income, structured products, alternative investments, and managed accounts, complemented by brokerage and investment management offerings. Founded in 1897 and headquartered in Lima, Peru, Intercorp Financial Services Inc. maintained a significant operational network as of December 31, 2021, comprising 189 financial branches and 1,581 ATMs. The company functions as a subsidiary of Intercorp Perú Ltd.

Industry: Banks - Regional
Sector: Financial Services
Headquarters: PE
CEO: Lord Luis Felipe Castellanos Lopez-Torres
Listed since: Jul 1, 2019
Employees: 9,229

Market position

Day range

Current $54.98

$54.53$55.32

52-week range

Current $54.98

$38.29$61.38

Open: $54.53
Previous close: $54.89
Volume: 27.95K; 0.09× average
Average volume: 307.91K; Average daily volume
Market cap: 6.11B USD
Beta: 0.44; Market reference 1
50-day average: $57.4526; -4.30% below average
200-day average: $48.8032; +12.66% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 16.7B PEN
P/E (TTM): 9.76×
P/B (TTM): 1.58×
P/S (TTM): 1.89×
EV / EBITDA: 6.08×
Earnings yield: 11.45%
Free cash flow yield: 8.22%
Dividend yield: 3.27%

Profitability & efficiency

Gross margin: 63.51%
Operating margin: 29.02%
Net margin: 24.95%
Return on equity: 14.75%
Return on assets: 1.84%
Return on invested capital: 1.85%

Financial health

Debt / equity: 1.08×
Current ratio: 2.07×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin

Income trends

Revenue

9.24B PEN+4.31%

Operating income

2.33B PEN+41.65%

Net income

1.82B PEN+40.11%

Metric (PEN)	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	9.24B PEN	8.86B PEN	8.79B PEN	7.42B PEN	6.29B PEN
Cost of goods sold	3.21B PEN	4.05B PEN	4.46B PEN	2.37B PEN	1.37B PEN
Gross profit	6.03B PEN	4.8B PEN	4.34B PEN	5.05B PEN	4.92B PEN
Selling, general, and administrative	1.05B PEN	2.53B PEN	2.46B PEN	2.4B PEN	2.14B PEN
Operating expenses	3.71B PEN	3.16B PEN	2.99B PEN	2.88B PEN	2.53B PEN
Interest income	6.49B PEN	6.98B PEN	7.08B PEN	5.79B PEN	4.5B PEN
Interest expense	2.13B PEN	2.32B PEN	2.51B PEN	1.58B PEN	987.27M PEN
Depreciation and amortization	424.43M PEN	413.06M PEN	379.04M PEN	336.23M PEN	279.69M PEN
Operating income	2.33B PEN	1.65B PEN	1.35B PEN	2.17B PEN	2.39B PEN
Net income	1.82B PEN	1.3B PEN	1.07B PEN	1.67B PEN	1.79B PEN

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$30.50

44.53% downside

Past 12 months12-month forecastHigh $32.00Average $30.50Low $29.00

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy00%

Buy250%

Hold250%

Sell00%

Strong sell00%

Recent analyst actions

1 institution

IFS news

zacks.comAug 21, 2026

IFS vs. AXP: Which Stock Should Value Investors Buy Now?

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Intercorp Financial Services Inc. (IFS) and American Express (AXP). But which of these two stocks presents investors…

Read source

seekingalpha.comAug 14, 2026

Intercorp Financial Services: Strong Profitability At A Discount

Intercorp Financial Services (IFS) demonstrates strong capital efficiency, with an 18.5% Q2 ROE and a diversified business model spanning banking, insurance, and asset management. IFS trades at a discounted 10.56x P/E…

Read source

zacks.comAug 13, 2026

Should Value Investors Buy Intercorp Financial Services (IFS) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and…

Read source

seekingalpha.comAug 13, 2026