Intercorp Financial Services Inc.（IFS）股價、財務與研究

盤中時間採用ET。市場資料可能有所延遲。

GoAI 研究快照

簡明呈現最新可用的模型資訊。

2026年7月10日

57/ 100

GoAI評分

Hold

Wait — insufficient conviction to act

估值

60

Fair Value

動能

66

Gaining

情緒

51

Mixed

風險韌性

70

Moderate Risk

完整 GoAI 研究

繼續查看更深入的依據、催化因素和風險。

看完整研究

人工智慧產生的上下文僅供參考，並非投資建議。

公司概況

公司網站

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.

產業: Banks - Regional
部門: Financial Services
總部: PE
執行長: Lord Luis Felipe Castellanos Lopez-Torres
上市以來: 2019年7月1日
僱員: 9,229

市場位置

日內區間

目前US$54.89，

US$53.95US$54.99

52週區間

目前US$54.89，

US$38.29US$61.38

開盤價: US$54.26
前收盤價: US$53.74
成交量: 19.85萬; 0.64× 平均值
平均成交量: 30.79萬; 日均成交量
市值: 60.97億 USD
貝塔: 0.44; 市場參考 1
50天平均值: US$57.4526; 低於平均水平-4.46%
200天平均值: US$48.8032; 高於平均水平+12.47%

財務數據

財務快照

估值與收益率

企業價值: 167.04億 PEN
本益比（TTM）: 9.77×
股價淨值比（TTM）: 1.58×
股價營收比（TTM）: 1.89×
EV/EBITDA: 6.08×
盈餘收益率: 11.45%
自由現金流收益率: 8.22%
股息率: 3.28%

獲利能力和效率

毛利率: 63.51%
營業利益率: 29.02%
淨利潤率: 24.95%
股東權益報酬率: 14.75%
資產報酬率: 1.84%
投入資本報酬率: 1.85%

財務健康

負債權益比: 1.08×
流動比率: 2.07×

財務報表

利潤率趨勢

獲利能力占已公布營收的百分比。

毛利率營業利益率淨利潤率

損益趨勢

營收

92.39億 PEN+4.31%

營業利益

23.32億 PEN+41.65%

淨利

18.22億 PEN+40.11%

項目（PEN）	2025會計年度	2024會計年度	2023會計年度	2022會計年度	2021會計年度
營收	92.39億 PEN	88.57億 PEN	87.91億 PEN	74.18億 PEN	62.95億 PEN
銷貨成本	32.09億 PEN	40.54億 PEN	44.56億 PEN	23.68億 PEN	13.7億 PEN
毛利	60.3億 PEN	48.03億 PEN	43.36億 PEN	50.5億 PEN	49.25億 PEN
銷售、一般及管理費用	10.52億 PEN	25.27億 PEN	24.56億 PEN	23.95億 PEN	21.44億 PEN
營業費用	37.05億 PEN	31.57億 PEN	29.89億 PEN	28.84億 PEN	25.33億 PEN
利息收入	64.94億 PEN	69.8億 PEN	70.78億 PEN	57.92億 PEN	45.04億 PEN
利息支出	21.29億 PEN	23.22億 PEN	25.11億 PEN	15.84億 PEN	9.87億 PEN
折舊和攤銷	4.24億 PEN	4.13億 PEN	3.79億 PEN	3.36億 PEN	2.8億 PEN
營業利益	23.32億 PEN	16.46億 PEN	13.46億 PEN	21.66億 PEN	23.92億 PEN
淨利	18.22億 PEN	13億 PEN	10.73億 PEN	16.68億 PEN	17.9億 PEN