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Intercorp Financial Services Inc. IFS

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Price alert · IFS

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46.59 USD -0.72 (-1.52%)

At closeNov 6, 2026, 4:00 PM EST

46.59 0.00 0.00%

After hours · Nov 6, 4:00 PM ET

46.59 Day range 48.38
38.50 52-week range 60.68
YTD
+9.99%
1 year
+6.83%

Financial health

Altman Z-Score

0.14 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 3
  • P/B 2

Valuation

P/E 8.7×
FY 2016: 14.8×FY 2017: 12.9×FY 2018: 13.2×FY 2019: 10.7×FY 2020: 35.3×FY 2021: 6.8×FY 2022: 6.2×FY 2023: 8.7×FY 2024: 9.7×FY 2025: 8.7×
FY 2016 5y median 8.7× FY 2025
P/S 1.7×
FY 2016: 2.9×FY 2017: 2.6×FY 2018: 2.6×FY 2019: 2.4×FY 2020: 2.2×FY 2021: 1.9×FY 2022: 1.4×FY 2023: 1.1×FY 2024: 1.4×FY 2025: 1.7×
FY 2016 5y median 1.4× FY 2025
P/B 1.3×
FY 2016: 2.9×FY 2017: 2.3×FY 2018: 2.0×FY 2019: 1.7×FY 2020: 1.5×FY 2021: 1.4×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.2× FY 2025
P/FCF 12.2×
FY 2016: 11.8×FY 2017: 4.2×FY 2018: -6.4×FY 2019: 10.6×FY 2020: 1.1×FY 2021: 11.2×FY 2022: -7.5×FY 2023: 3.8×FY 2024: -6.7×FY 2025: 12.2×
FY 2016 5y median 3.8× FY 2025
EV/EBITDA 6.0×
FY 2016: 6.4×FY 2017: 7.6×FY 2018: 9.0×FY 2019: 6.8×FY 2020: 8.3×FY 2021: 2.0×FY 2022: 3.1×FY 2023: 6.2×FY 2024: 6.0×FY 2025: 6.0×
FY 2016 5y median 6.0× FY 2025
EV/Sales 1.8×
FY 2016: 1.8×FY 2017: 2.2×FY 2018: 2.7×FY 2019: 2.3×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 1.2×FY 2024: 1.4×FY 2025: 1.8×
FY 2016 5y median 1.2× FY 2025
FCF Yield 8.2%
FY 2016: 8.5%FY 2017: 23.8%FY 2018: -15.7%FY 2019: 9.5%FY 2020: 94.3%FY 2021: 9.0%FY 2022: -13.3%FY 2023: 26.1%FY 2024: -14.9%FY 2025: 8.2%
FY 2016 5y median 8.2% FY 2025

Profitability

Gross Margin 65.3%
FY 2016: 62.3%FY 2017: 62.3%FY 2018: 67.7%FY 2019: 66.2%FY 2020: 42.0%FY 2021: 78.2%FY 2022: 68.1%FY 2023: 49.3%FY 2024: 54.2%FY 2025: 65.3%
FY 2016 5y median 65.3% FY 2025
Operating Margin 25.2%
FY 2016: 26.0%FY 2017: 26.4%FY 2018: 27.7%FY 2019: 30.5%FY 2020: 5.8%FY 2021: 38.0%FY 2022: 29.2%FY 2023: 15.3%FY 2024: 18.6%FY 2025: 25.2%
FY 2016 5y median 25.2% FY 2025
Net Margin 19.7%
FY 2016: 19.4%FY 2017: 20.2%FY 2018: 19.5%FY 2019: 22.8%FY 2020: 6.3%FY 2021: 28.4%FY 2022: 22.5%FY 2023: 12.2%FY 2024: 14.7%FY 2025: 19.7%
FY 2016 5y median 19.7% FY 2025
ROE 14.8%
FY 2016: 19.4%FY 2017: 17.7%FY 2018: 15.4%FY 2019: 16.3%FY 2020: 4.3%FY 2021: 20.6%FY 2022: 17.8%FY 2023: 10.8%FY 2024: 11.9%FY 2025: 14.8%
FY 2016 5y median 14.8% FY 2025
ROIC 1.8%
FY 2016: 6.1%FY 2017: 3.5%FY 2018: 3.6%FY 2019: 4.1%FY 2020: 0.8%FY 2021: 5.9%FY 2022: 4.3%FY 2023: 2.6%FY 2024: 3.2%FY 2025: 1.8%
FY 2016 5y median 3.2% FY 2025
ROA 1.8%
FY 2016: 1.8%FY 2017: 1.7%FY 2018: 1.7%FY 2019: 2.0%FY 2020: 0.4%FY 2021: 2.0%FY 2022: 1.9%FY 2023: 1.2%FY 2024: 1.4%FY 2025: 1.8%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 4.3%
FY 2016: -11.8%FY 2017: 4.7%FY 2018: 9.3%FY 2019: 13.4%FY 2020: -3.4%FY 2021: 3.3%FY 2022: 17.8%FY 2023: 18.5%FY 2024: 0.7%FY 2025: 4.3%
FY 2016 FY 2025
Operating Income 41.7%
FY 2016: -21.8%FY 2017: 6.3%FY 2018: 14.7%FY 2019: 24.9%FY 2020: -81.5%FY 2021: 571.2%FY 2022: -9.4%FY 2023: -37.8%FY 2024: 22.2%FY 2025: 41.7%
FY 2016 FY 2025
EPS (diluted) 43.3%
FY 2016: -22.8%FY 2017: 10.4%FY 2018: 2.0%FY 2019: 30.1%FY 2020: -74.0%FY 2021: 367.2%FY 2022: -7.2%FY 2023: -35.2%FY 2024: 22.0%FY 2025: 43.3%
FY 2016 FY 2025
Free Cash Flow 169.4%
FY 2016: -73.3%FY 2017: 166.9%FY 2018: -171.1%FY 2019: 164.9%FY 2020: 774.1%FY 2021: -91.5%FY 2022: -226.3%FY 2023: 278.1%FY 2024: -176.9%FY 2025: 169.4%
FY 2016 FY 2025

Financial Health

Current Ratio 2.1×
FY 2016: 0.6×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.1×FY 2025: 2.1×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 2.1×
FY 2016: 0.6×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.1×FY 2025: 2.1×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 1.0×
FY 2016: 1.4×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA 0.3×
FY 2016: -3.6×FY 2017: -1.3×FY 2018: 0.6×FY 2019: -0.3×FY 2020: -13.4×FY 2021: -2.6×FY 2022: -1.0×FY 2023: 0.7×FY 2024: -0.2×FY 2025: 0.3×
FY 2016 5y median -0.2× FY 2025
Interest Coverage 1.1×
FY 2016: 1.2×FY 2017: 1.2×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 0.3×FY 2021: 2.4×FY 2022: 1.4×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 2.6%
FY 2016: 3.6%FY 2017: 3.6%FY 2018: 3.6%FY 2019: 4.2%FY 2020: 5.2%FY 2021: 5.2%FY 2022: 7.3%FY 2023: 5.5%FY 2024: 3.4%FY 2025: 2.6%
FY 2016 5y median 5.2% FY 2025
Payout Ratio 22.3%
FY 2016: 52.6%FY 2017: 46.3%FY 2018: 47.1%FY 2019: 45.4%FY 2020: 182.2%FY 2021: 35.4%FY 2022: 45.1%FY 2023: 47.7%FY 2024: 32.9%FY 2025: 22.3%
FY 2016 5y median 35.4% FY 2025

Annual · latest fiscal year ends 2025-12-31