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Intercorp Financial Services Inc.NYSE:IFS Stock Report

Market Cap US$5.0b
Share Price
US$44.66
US$53.85
17.1% undervalued intrinsic discount
1Y29.9%
7D0.7%
Portfolio Value
View

Intercorp Financial Services Inc.

NYSE:IFS Stock Report

Market Cap: US$5.0b

Intercorp Financial Services (IFS) Stock Overview

Provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. More details

IFS fundamental analysis
Snowflake Score
Valuation5/6
Future Growth2/6
Past Performance5/6
Financial Health5/6
Dividends3/6

IFS Community Fair Values

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Intercorp Financial Services Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Intercorp Financial Services
Historical stock prices
Current Share PriceUS$44.88
52 Week HighUS$53.00
52 Week LowUS$34.18
Beta0.54
1 Month Change-10.35%
3 Month Change-11.78%
1 Year Change29.94%
3 Year Change92.21%
5 Year Change51.37%
Change since IPO12.20%

Recent News & Updates

Recent updates

Seeking Alpha Feb 13

Intercorp Financial Services: Strong Recovery Completed, Valuation Now Fully Reflected (Rating Downgrade)

Summary Intercorp Financial Services delivered a strong FY2025, with net profit up 49% and ROE at 16.8%. Banking and Insurance segments showed strong performance, but Wealth Management faced headwinds from tax effects and lower mark-to-market gains. IFS's digital transformation and operating efficiency are largely priced in, with competitive risks tempering further upside. Peru’s commodity-driven environment and stable macro backdrop remain supportive, yet election risk and normalized growth expectations make further re-rating harder to justify. Read the full article on Seeking Alpha
Seeking Alpha Feb 09

Intercorp Financial Services: Earnings Beat Ahead

Summary Intercorp Financial Services' Q4 2024 results showed robust earnings with a 71% yearly profit increase. A solid CET 1 ratio offers downside protection. The upsides of higher fee generation from the Wealth Management division and Credit Card segments are also worth considering. With political stability and economic growth, IFS targets a 16% ROE in 2025. Considering better asset quality and a recovery in consumer confidence, we confirmed a buy rating. Read the full article on Seeking Alpha
Seeking Alpha Apr 14

Intercorp Financial Services Is Ready To Take Off

Summary Intercorp Financial Services has not benefitted from the interest rate uplift. In addition, we believe the company is in a better position with no El Niño impact. Despite political instability, the Peruvian economy is expected to improve, and IFS delivered solid results in 2023. With lower provision, we believe there is a Return on Equity normalization story for 2024. We initiated IFS stock with a clear buy rating. Read the full article on Seeking Alpha
Seeking Alpha Aug 11

Mixed Economic Signals Holding Back Peru's Intercorp

Summary Intercorp Financial Services is a significant player in the Peruvian banking industry, but has struggled as a public company. The company has $23 billion in total assets, generated $438 million in net profit last year, and offers full-service banking, insurance, and wealth advisory. Intercorp's Q2 results showed modest growth; near-term political and economic challenges are likely to constrain the upside through the rest of 2023. Read the full article on Seeking Alpha
Seeking Alpha Feb 16

Intercorp Financial Services GAAP EPS of $14.38 beats by $13.33, revenue of $668.19B

Intercorp Financial Services (NYSE:IFS): FY GAAP EPS of $14.38 beats by $13.33. Revenue of $668.19B (+3.6% Y/Y).
Seeking Alpha Nov 11

Intercorp Financial Services GAAP EPS of $5.29, revenue of $1.08B

Intercorp Financial Services press release (NYSE:IFS): Q3 GAAP EPS of $5.29. Revenue of $1.08B (+20.0% Y/Y).

Shareholder Returns

IFSUS BanksUS Market
7D0.7%-2.2%2.1%
1Y29.9%23.0%30.6%

Return vs Industry: IFS exceeded the US Banks industry which returned 28.9% over the past year.

Return vs Market: IFS underperformed the US Market which returned 31% over the past year.

Price Volatility

Is IFS's price volatile compared to industry and market?
IFS volatility
IFS Average Weekly Movement5.8%
Banks Industry Average Movement3.5%
Market Average Movement7.2%
10% most volatile stocks in US Market16.1%
10% least volatile stocks in US Market3.2%

Stable Share Price: IFS has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: IFS's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18979,229Luis Castellanos Lopez-Torresifs.com.pe

Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors.

Intercorp Financial Services Inc. Fundamentals Summary

How do Intercorp Financial Services's earnings and revenue compare to its market cap?
IFS fundamental statistics
Market capUS$5.01b
Earnings (TTM)US$558.92m
Revenue (TTM)US$1.59b
8.9x
P/E Ratio
1.4x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IFS income statement (TTM)
RevenueS/5.50b
Cost of RevenueS/0
Gross ProfitS/5.50b
Other ExpensesS/3.57b
EarningsS/1.93b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

May 11, 2026

Earnings per share (EPS)17.40
Gross Margin100.00%
Net Profit Margin35.15%
Debt/Equity Ratio104.8%

How did IFS perform over the long term?

See historical performance and comparison

Dividends

2.2%
Current Dividend Yield
22%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/07 08:12
End of Day Share Price 2026/05/07 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Intercorp Financial Services Inc. is covered by 10 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Roberto de Aguiar AttuchBarclays
Ernesto Gabilondo MárquezBofA Global Research
Alonso AramburúBTG Pactual