Intercorp Financial Services Inc. (IFS) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$4.91	$5.26	+7.1%	—	$1.9B	—
Q1 26	$4.76	$5.39	+13.2%	—	$1.9B	—
Q4 25	$3.71	$4	+7.8%	—	$1.8B	—
Q3 25	$3.97	$3.95	-0.5%	—	$1.6B	—
Q2 25	$3.85	$5.14	+33.5%	—	$1.9B	—
Q1 25	$0.89	$1.06	+19.1%	—	—	—
Q4 24	$3.5	$4.25	+21.4%	—	$1.8B	—
Q3 24	$2.9	$3.38	+16.6%	—	$1.6B	—
Q2 24	$2.11	$2.48	+17.5%	—	$494.3M	—
Q1 24	$2.02	$1.22	-39.6%	—	$410.3M	—
Q4 23	$0.96	$2.49	+159.4%	—	$599.8M	—
Q3 23	$0.62	$0.46	-25.8%	—	$2.4B	—
Q2 23	$3.42	$2.85	-16.7%	—	$1.6B	—
Q1 23	$3.46	$2.3	-33.5%	—	$1.4B	—
Q4 22	$1.03	$0.89	-13.6%	—	$1.7B	—
Q3 22	$3.48	$5.29	+52.0%	—	$1.9B	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$17.3	—	—	$6.9B	—
FY24	—	$11.4	—	—	$6.5B	—
FY23	—	$9.33	—	—	$6.1B	—
FY22	—	$14.4	—	—	$5.6B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$4B	$4.3B	$4.7B	$5.3B	$5.5B	$5B	$5.6B	$6.1B	$6.5B	$6.9B
YoY change	-13.5%	+6.56%	+11.3%	+12.8%	+2.32%	-8.01%	+10.8%	+9.33%	+7.1%	+5.69%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	4B	4.3B	4.7B	5.3B	5.5B	5B	5.6B	6.1B	6.5B	6.9B
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	1.8B	1.9B	2.3B	2.3B	2.4B	1.9B	2.1B	2.2B	2.5B	2.7B
Operating expenses	1.8B	2B	2.4B	2.4B	2.4B	1.9B	2.1B	2.2B	2.5B	2.7B
Operating income	1.2B	—	—	—	—	—	—	—	—	—
Operating margin	29.2%	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	1.3B	1.3B	1.5B	1.9B	356.3M	2.4B	2.2B	1.3B	1.6B	2.4B
Income tax	333.9M	326.5M	415.5M	493.3M	-72.9M	502.1M	462.5M	275.6M	314.4M	530.3M
Net income	950.2M	1B	1.1B	1.5B	383.5M	1.8B	1.7B	1.1B	1.3B	1.9B
Net margin	23.8%	24.2%	23%	27.1%	7.01%	35.8%	30.1%	17.7%	20%	28.1%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	8.71	9.63	9.82	12.8	3.32	15.5	14.4	9.33	11.4	17.3
Diluted EPS	8.71	9.63	9.82	12.8	3.32	15.5	14.4	9.33	11.4	17.3

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	1.6B	2.4B	599.8M	410.3M	494.3M	1.6B	1.8B	1.9B	1.6B	1.8B	1.9B	1.9B
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	609.9M	1.5B	-527.3M	163.4M	209.4M	662M	587.7M	725.5M	623M	671M	827.2M	792.2M
Operating expenses	609.9M	1.5B	-527.3M	163.4M	209.4M	662M	587.7M	725.5M	623M	671M	827.2M	792.2M
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	419.4M	251.8M	304.9M	53.8M	107.6M	462.5M	632.5M	695.9M	568.4M	611.4M	774.9M	696.5M
Income tax	103M	31M	37.2M	12M	15.2M	94.3M	127.1M	127.9M	117.5M	158.8M	154M	133.1M
Net income	331M	195.2M	286.1M	40.4M	84.8M	390M	490.1M	579.6M	456.2M	461.3M	601.9M	585.3M
Net margin	21.2%	8%	47.7%	9.85%	17.2%	23.8%	27.3%	31.1%	28.7%	26%	31.6%	31.1%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	—	—	—	1.22	—	—	—	—	—	—	5.39	—
Diluted EPS	—	—	—	1.22	—	—	—	—	—	—	5.39	—

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	—	—	—	17.3B	13.9B	11.3B	10.1B	9.3B	—	4.7B	6.1B
Enterprise value	—	—	—	1.4B	-14B	-14.4B	-10B	-11.2B	—	-18.9B	4.1B
Shares outstanding	403.1M	396.9M	410.7M	419.4M	429.3M	429.2M	429.2M	421.9M	114.3M	111.7M	111.7M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	—	—	11.9	36.2	6.29	6.01	8.58	—	2.44	10.5
P/S	—	—	—	3.24	2.54	2.25	1.81	1.52	—	0.69	1.06
P/B	—	—	—	1.95	1.55	1.3	1.07	0.93	—	0.38	1.66
EV/Sales	—	—	—	0.26	-2.56	-2.85	-1.79	-1.83	—	-2.73	2.4
Earnings yield	—	—	—	8.37%	2.76%	15.9%	16.6%	11.7%	—	41.1%	9.57%
FCF yield	—	—	—	8.42%	91.8%	9.61%	-13.6%	26.4%	—	27.6%	31.5%
PEG	—	—	—	—	—	—	—	—	—	—	8.37

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	29.2%	—	—	—	—	—	—	—	—	—	44.7%
Net margin	23.8%	24.2%	23%	27.1%	7.01%	35.8%	30.1%	17.7%	20%	28.1%	35.7%
ROE	19%	17.7%	15.4%	16.3%	4.28%	20.6%	17.8%	10.8%	11.9%	15.6%	17.2%
ROA	—	—	—	—	—	—	—	1.2%	1.37%	1.96%	2.07%
ROIC	-8.97%	—	—	—	—	—	—	—	—	—	—
Return on tangible assets	—	—	—	—	—	—	—	1.25%	1.42%	2.03%	2.03%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	1.34	1.32	1.21	1.05	1.1	1.14	1.11	1.09	1.08	0.89	0
Debt / assets	—	—	—	—	—	—	—	0.12	0.12	0.11	0.12
Effective tax rate	26.4%	24.3%	26.9%	25.6%	0%	21%	21.4%	20.5%	19.1%	21.8%	21.3%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	9.92	10.7	11.6	12.8	12.7	11.7	13	14.5	57.2	61.8	53
EPS (basic)	8.71	9.63	9.82	12.8	3.32	15.5	14.4	9.33	11.4	17.3	17.3
EPS (diluted)	8.71	9.63	9.82	12.8	3.32	15.5	14.4	9.33	11.4	17.3	5.37
Book value per share	12.4	14.7	17.3	21.2	20.9	20.4	22	23.7	96.1	111.2	33.8
FCF per share	2.94	7.96	-5.47	3.48	29.7	2.53	-3.2	5.8	22.4	11.7	17.5
Cash per share	52.8	63.2	53	60.2	87.8	83.1	71.2	74.2	292.1	309.8	59.6
Capex per share	0.2	0.21	0.18	0.16	0.12	0.2	0.19	0.27	0.52	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	2%	1.99%	1.53%	1.27%	0.96%	1.73%	1.45%	1.88%	0.91%	—	—
Capex / operating cash flow	2.85%	1.64%	2.27%	1.04%	0.31%	1.95%	5.08%	2.69%	0.96%	—	—
Payout ratio	52.3%	46%	46.8%	45.1%	182%	35.2%	44.8%	47.4%	32.7%	20.9%	34.4%
Dividend yield	—	—	—	3.78%	5.03%	5.6%	7.45%	5.53%	—	8.6%	13%

Yield

13%

trailing twelve months

Frequency

Annual

Last dividend

$1.80

ex-dividend Apr 24, 2026

Payout ratio

34%

of earnings

Dividend growth

0 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Apr 24, 2026	$1.80
Apr 24, 2025	$1.00
Apr 17, 2024	$1.00
Apr 27, 2023	$1.18
Apr 27, 2022	$1.75
Dec 14, 2021	$0.65
Apr 27, 2021	$0.77
Apr 27, 2020	$1.75

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$1.6B	$2.4B	$599.8M	$410.3M	$494.3M	$1.6B	$1.8B	$1.9B	$1.6B	$1.8B	$1.9B	$1.9B
YoY change	+6.61%	+29.9%	-64.8%	-70.7%	-68.4%	-32.9%	+199.6%	+276.6%	-2.86%	-1.32%	—	+1.16%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	21.3B	25.1B	21.8B	25.3B	37.7B	35.7B	30.6B	31.3B	33.4B	34.6B
Receivables	1.1B	301.1M	331.5M	316.2M	445.1M	404.9M	527.6M	657.4M	569.4M	544.6M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	106.2M	110.1M	110.6M	71.4M	-9.4M	-53M	-88.7M	-108.9M	197.2M	318.3M
Goodwill & intangibles	534.8M	1.8B	1.9B	2B	2.1B	2.1B	3.3B	3.4B	3.3B	3.3B
Total assets	—	—	—	—	—	—	—	89.6B	95.5B	99.1B
Accounts payable	1.2B	182M	327.6M	128M	235.4M	615M	118.4M	236.7M	438.4M	246.6M
Short-term debt	1.6B	1.4B	1.4B	1.6B	1.5B	1.6B	1.9B	2B	2.4B	2.2B
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	5.1B	6.3B	7.2B	7.7B	8.4B	8.4B	8.6B	8.9B	9.4B	8.8B
Total liabilities	—	—	—	—	—	—	—	—	84.5B	86.7B
Shareholders' equity	5B	5.8B	7.1B	8.9B	9B	8.7B	9.4B	10B	11B	12.4B
Total debt	6.7B	7.7B	8.6B	9.3B	9.8B	10B	10.5B	10.9B	11.8B	11B
Net debt	-5.1B	-1.9B	983.4M	-618.9M	-8.3B	-7.1B	-2.5B	1.3B	-379.1M	-1.4B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	31.2B	31.3B	31.3B	9.6B	9.5B	35.6B	33.4B	34B	33.3B	34.6B	35.6B	38B
Receivables	600.4M	675.6M	657.4M	195.1M	184.4M	577.2M	569.4M	556.4M	571.5M	544.6M	564.8M	549.6M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	-108.9M	—	—	—	197.2M	—	—	318.3M	—	—
Goodwill & intangibles	1.6B	1.6B	3.4B	476.5M	489.2M	1.6B	3.3B	1.6B	1.6B	3.3B	1.6B	1.6B
Total assets	—	—	89.6B	26.5B	27.9B	95.6B	95.5B	97.6B	97.1B	99.1B	102.3B	105.4B
Accounts payable	119.7M	146.1M	236.7M	100M	286.7M	803.4M	438.4M	94.9M	610M	246.6M	413.1M	435.2M
Short-term debt	2B	2B	2B	584M	613M	2.3B	2.4B	2.7B	2.4B	2.2B	2.4B	2.4B
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	8.8B	8.4B	8.9B	2.7B	3B	10.2B	9.4B	9.3B	9.6B	8.8B	10B	10.4B
Total liabilities	—	—	—	23.5B	24.8B	85B	84.5B	86.1B	85.2B	86.7B	89.9B	92.4B
Shareholders' equity	9.4B	9.6B	10B	3B	3B	10.5B	11B	11.5B	12B	12.4B	12.4B	12.9B
Total debt	10.8B	10.4B	10.9B	3.3B	3.6B	12.5B	11.8B	12B	12B	11B	12.3B	12.9B
Net debt	108.8M	-264.2M	1.3B	-288.5M	629.7M	-1.8B	-379.1M	-243.8M	413.6M	-1.4B	-951.6M	-2.5B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	950.2M	1B	1.1B	1.5B	383.5M	1.8B	1.7B	1.1B	1.3B	1.9B
Depreciation & amortization	130.1M	145.2M	164.7M	262M	268.8M	279.7M	336.2M	379M	413.1M	450.3M
Stock-based compensation	—	—	—	—	—	—	—	—	—	—
Change in working capital	1.7B	4B	1.9B	4.8B	16.6B	2.2B	-438.2M	2.7B	4.3B	1.7B
Operating cash flow	2.8B	5.2B	3.2B	6.6B	16.9B	4.5B	1.6B	4.3B	6.2B	1.8B
Capital expenditure	-79.8M	-84.7M	-72.7M	-68.2M	-52.4M	-87.3M	-80.7M	-115M	-59.3M	—
Investing cash flow	-1.2B	-2B	-342.6M	77.7M	-3.8B	-2B	-1.1B	-3.2B	260.9M	-355.9M
Dividends paid	-496.9M	-475.8M	-510.7M	-654.5M	-698.2M	-633.9M	-751.5M	-511.8M	-427.4M	-406.8M
Share repurchases	-199.9M	—	—	-196K	-2.6M	-594K	0	-80.9M	-122.7M	-262.5M
Financing cash flow	-215.5M	-1B	225.7M	1.1B	-693M	-892.6M	-1.3B	-3B	-12.3M	-397.2M
Net change in cash	1.4B	2.1B	3.1B	7.7B	12.4B	1.6B	-819.4M	-2B	6.4B	1.1B
Free cash flow	1.2B	3.2B	-2.2B	1.5B	12.7B	1.1B	-1.4B	2.4B	2.6B	1.3B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	331M	195.2M	286.1M	40.4M	84.8M	390M	490.1M	579.6M	456.2M	461.3M	601.9M	585.3M
Depreciation & amortization	92.7M	95.8M	99.6M	29.7M	30.9M	103M	101.9M	108.8M	128.4M	109.2M	108.6M	106.4M
Stock-based compensation	—	—	—	—	—	—	—	—	—	—	—	—
Change in working capital	-252.6M	747.5M	-602.4M	313.7M	185M	2.4B	223.5M	992.8M	-406.7M	1.3B	-456.8M	3.2B
Operating cash flow	196M	1.1B	-141.9M	404.1M	305.9M	2.9B	855.1M	554.9M	-1.2B	2.9B	-104.7M	2.8B
Capital expenditure	-22.7M	-37.6M	-39.3M	-9.3M	-7.6M	-21M	20.1M	—	—	—	—	—
Investing cash flow	-513.7M	-738.9M	-184.4M	-72M	-286.4M	-21M	20.1M	-661.5M	—	—	-781.7M	107M
Dividends paid	—	0	0	—	—	0	0	—	0	13.3M	—	—
Share repurchases	—	-52.9M	0	—	—	-4.5M	-118M	-56.9M	-27.5M	-36.3M	-1.5M	-107.5M
Financing cash flow	-183.2M	200.4M	-347.2M	212.3M	14.9M	570.2M	-946.5M	187.2M	-91.8M	-1.4B	1.9B	-4.8M
Net change in cash	-501M	522M	-673.5M	544.4M	34.4M	3.4B	-71.4M	80.6M	-1.3B	1.4B	1B	2.9B
Free cash flow	-336.1M	760.3M	-517.4M	710.4M	-259.8M	2.1B	-1.2B	430.3M	-1.3B	2.6B	-217.8M	2.7B

Intercorp Financial Services Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement