Intercorp Financial Services Inc. (IFS) AI Stock Analysis

Intercorp Financial Services Inc. is a financial services provider based in Lima, Peru, operating as a subsidiary of Intercorp Perú Ltd. Established in 1897, the company provides retail and commercial services across three segments: Banking, Insurance, and Wealth Management. Its Banking segment offers transactional accounts, savings products, credit cards, mortgages, consumer loans, commercial real estate financing, trade finance, and treasury services. The Insurance segment delivers annuities, conventional life insurance, and retail insurance solutions. In Wealth Management, the company provides financial advisory services covering equities, fixed income, structured products, alternative investments, and managed accounts.

Between FY2021 and FY2025, annual revenue increased from $6.29B to $9.24B, generating a 5-year revenue CAGR of 8.7% from FY2020 to FY2025. Annual net income reached $1.82B in FY2025, compared to $1.79B in FY2021 and $1.07B in FY2023. Gross margin was 65.3% in FY2025, while operating margin stood at 25.2% and net margin was 19.7%. Diluted EPS was $17.01 in FY2025, up from $11.33 in FY2024. For the trailing twelve months ended June 30, 2026, revenue totaled $5.87B with a profit margin of 35.7%. In the latest quarter ended June 30, 2026, quarterly revenue grew 3.8% and quarterly earnings rose 2.4% year-over-year.

As of June 30, 2026, Intercorp Financial Services held $45.42B in cash and short-term investments against $14.04B in total debt, resulting in net cash of $31.38B. Total assets stood at $105.35B and shareholders' equity was $12.87B, with a debt-to-equity ratio of 1.09 and a current ratio of 0.74. In FY2025, operating cash flow was $1.83B and free cash flow was $1.31B. Capital deployment in FY2025 included $523.4M in capital expenditures, $406.8M in dividends paid, and $262.5M in share buybacks.

Intercorp Financial Services trades at a trailing price-to-earnings multiple of 10.1x, below the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio is 1.0x compared to the peer median of 3.2x, while its price-to-book ratio is 1.6x. The company's enterprise value is $13.90B and market capitalization is $6.03B. Over the past year, the stock returned 47.1% against a 16.8% return for the S&P 500 (SPY). Over five years, the stock gained 180.8% versus 83.0% for the index.

Intercorp Financial Services pays an annual dividend with a forward rate of $1.80 per share, representing a dividend yield of 3.30%. The payout ratio is 23.6%, and the company has paid dividends for 9 consecutive years. Its 5-year annualized dividend growth rate is -10.6%, and the last ex-dividend date was April 24, 2026.

Wall Street coverage consists of 2 Strong Buy ratings, 0 Buy ratings, and 1 Hold rating. The mean price target of $66.29 stands 21.4% above the last closing price of $54.60. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $20.47 and revenue of $6.99B. For the following fiscal year, 2 analysts project EPS of $23.46 on revenue of $7.92B. The company beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is November 9, 2026.

This page is an AI-written research summary of Intercorp Financial Services Inc. (IFS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: IFS income statement, IFS analyst forecast, IFS chart. See the IFS stock overview for the latest quote and news.