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Updated: Aug 17, 2026
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Intercorp Financial Servs

NYSE:IFS·Stock Analysis Report
Day Range
$53.55 - $54.84
Market Cap
6.07B
P/E Ratio
10.0667
Avg Value
$49.84
Year Range
$38.29 - $61.38
$53.74-$0.16 (-0.30%)
1
General Information
Intercorp Financial Services Inc is a provider of banking, insurance, wealth management services, and payments for retail customers and commercial clients in Peru.

Its purpose is centered around building financial well-being together. The company has three operating business segments: Banking, mainly loans, credit facilities, deposits, and current accounts; Insurance provides life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and Wealth management provides brokerage and investment management services. Inteligo serves mainly Peruvian citizens.

2
Intercorp Financial Servs (IFS) Stock Graph
3
How We Grade Intercorp Financial Servs (IFS)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Intercorp Financial Servs (IFS) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

59.54

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

77.78

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, IFS's earnings have increased for the past three years, this is a positive sign for the stock.
6
Past Performance
How has Intercorp Financial Servs (IFS) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Intercorp Financial Servs (IFS) sharpe ratio over the past 5 years is 1.6734 which is considered to be above average compared to the peer average of -0.0167

7
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is IFS's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Revenue
5.82
6.28
6.54
6.91
7.15
Operating Revenue
5.82
6.28
6.54
6.91
7.15
Cost Of Revenue
Gross Profit
Operating Expense
Selling General And Administration
2.32
2.40
2.53
2.70
2.91
Research and Development
Operating Income
Net Non-Operating Interest Income Expense
Other Income Expense
Other Non-Operating Income Expenses
Pre-Tax Income
2.17
1.35
1.65
2.44
2.65
Tax Provision
0.46
0.28
0.31
0.53
0.56
Net Income
1.66
1.07
1.30
1.93
2.09
Net Income Common Stockholders
1.66
1.07
1.30
1.93
2.09
Total Operating Income As Reported
Total Expenses
Net Income From Continuing And Discontinued Operation
1.70
1.06
1.32
1.89
2.08
Normalized Income
1.69
1.04
1.31
1.86
2.04
Interest Income
5.79
7.08
6.98
6.81
6.93
Interest Expense
1.58
2.51
2.32
2.06
2.02
Net Interest Income
4.21
4.57
4.66
4.75
4.91
EBIT
EBITDA
Reconciled Cost Of Revenue
Reconciled Depreciation
0.34
0.38
0.41
0.45
0.45
Normalized EBITDA
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.19
Tax Effect Of Unusual Items
0.02
0.00
0.00
0.01
0.01
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Assets
87.48
89.62
95.50
99.10
105.35
Current Assets
Total Non-Current Assets
Total Liabilities Net Minority Interest
77.44
79.62
84.53
86.68
92.41
Current Liabilities
Other Non-Current Liabilities
Total Equity Gross Minority Interest
10.05
10.01
10.98
12.42
12.94
Stockholders Equity
Total Capitalization
18.49
18.72
20.16
20.97
23.15
Common Stock Equity
9.99
9.95
10.92
12.35
12.87
Net Tangible Assets
8.36
8.26
9.25
10.72
11.29
Working Capital
Invested Capital
20.35
20.74
22.59
23.20
25.60
Tangible Book Value
8.36
8.26
9.25
10.72
11.29
Total Debt
10.47
10.88
11.82
11.00
12.85
Net Debt
1.19
Share Issued
0.12
0.12
0.12
0.12
0.11
Ordinary Shares Number
0.12
0.11
0.11
0.11
0.11
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
-1.01
2.88
2.91
1.83
4.36
Net Income from Continuing Operations
1.67
1.08
1.31
1.94
2.10
Depreciation and Amortization
0.34
0.38
0.41
0.45
0.45
Deferred Tax
0.00
0.10
0.10
-0.04
-0.04
Deferred Income Tax
0.00
0.10
0.10
-0.04
-0.04
Stock-Based Compensation
Other Non-Cash Items
0.01
0.00
0.03
0.00
0.00
Change in Working Capital
-3.65
-0.18
-0.19
-1.02
1.50
Change in Receivables
0.16
-0.46
-0.19
0.53
-0.20
Changes in Account Receivables
-0.17
-0.17
0.06
0.02
-0.03
Change in Inventory
Change in Payables and Accrued Expense
0.62
0.75
1.30
0.27
1.97
Change in Payable
0.62
0.75
1.30
0.27
1.97
Change in Account Payable
0.62
0.75
1.30
0.27
0.42
Change in Other Current Assets
0.23
-0.25
0.10
-1.06
0.28
Change in Other Current Liabilities
Change in Other Working Capital
-1.45
2.66
3.12
1.93
3.10
Cash Flow from Continuing Investing Activities
-1.39
-3.53
-0.01
-0.94
-0.89
Net PPE Purchase and Sale
-0.08
-0.11
-0.06
-0.30
-0.28
Net Business Purchase and Sale
Purchase of Business
Net Investment Purchase and Sale
-0.86
-3.12
0.32
-0.36
-0.28
Purchase of Investment
-0.86
-3.12
Sale of Investment
Net Other Investing Changes
Financing Cash Flow
-1.28
-3.01
-0.01
-0.40
-0.30
Cash Flow from Continuing Financing Activities
-1.28
-3.01
-0.01
-0.40
-0.30
Net Issuance Payments of Debt
-0.52
-2.42
0.54
0.28
0.58
Net Long-Term Debt Issuance
-0.52
-2.42
0.54
0.28
0.58
Long-Term Debt Issuance
2.01
1.86
2.17
Long-Term Debt Payments
-0.55
-2.51
-1.47
-1.59
-1.59
Net Short-Term Debt Issuance
Net Common Stock Issuance
0.00
-0.08
-0.12
-0.26
-0.17
Common Stock Issuance
Common Stock Payments
0.00
-0.26
-0.17
Cash Dividends Paid
Net Other Financing Charges
0.00
0.00
0.00
0.00
0.00
End Cash Position
50.67
42.23
48.16
48.68
52.39
Changes in Cash
-3.68
-3.67
2.89
0.49
3.16
Beginning Cash Position
54.37
45.86
45.26
48.31
49.26
Capital Expenditure
-0.36
-0.43
-0.35
-0.52
-0.51
Issuance of Capital Stock
Issuance of Debt
0.09
2.01
1.86
2.17
Repayment of Debt
-0.55
-2.51
-1.47
-1.59
-1.59
Repurchase of Capital Stock
0.00
-0.26
-0.17
Free Cash Flow
-1.37
2.45
2.56
1.31
3.85