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XNYS
IFS
Market cap4.38bUSD
Jun 26, Last price  
37.93USD
1D
4.81%
1Q
13.22%
IPO
-17.00%
Name

Intercorp Financial Services Inc

Chart & Performance

D1W1MN
P/E
11.95
P/S
3.46
EPS
11.26
Div Yield, %
2.50%
Shrs. gr., 5y
0.26%
Rev. gr., 5y
-3.54%
Revenues
4.49b
+9.69%
952,115,0001,242,795,0001,505,839,0001,964,967,0002,104,908,0002,334,010,0003,066,532,0003,288,075,0003,935,441,0004,622,143,0004,479,275,0004,592,894,0004,779,004,0005,371,387,0005,473,713,0005,952,675,0006,483,311,0004,089,501,0004,485,926,000
Net income
1.30b
+21.19%
187,850,000277,843,000249,395,000504,886,000499,095,000698,466,000705,714,000725,533,000947,549,0001,231,766,000828,143,000831,760,0001,084,280,0001,441,258,000383,259,0001,790,155,0001,668,026,0001,072,728,0001,300,078,000
CFO
-1.78b
L
484,403,000442,870,000503,133,0001,013,683,0001,146,379,0001,417,027,0001,435,988,0001,481,367,000359,733,0001,927,054,0001,396,536,0003,305,872,000-2,150,923,0001,668,764,00012,993,553,0001,345,804,000-1,012,077,0002,875,192,000-1,777,555,000
Dividend
Apr 17, 20240.95 USD/sh

Profile

Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It provides transactional accounts, such as cuenta sueldo and cuenta simple; savings accounts; investment accounts; and time deposits, certificates of deposit, and compensation for service time accounts. The company also offers retail banking products, including credit cards, payroll deduction loans, mortgages, and consumer loans, as well as cash, student, and collateralized cash loans. In addition, the company provides corporate, medium-size business, and small business banking services; and commercial banking products, which include commercial real estate, vehicles, machinery and other goods, cash management, trade finance, and electronic factoring products. Further, it offers treasury and institutional banking, as well as securitization services. Additionally, the company provides annuities and conventional life insurance, and other retail insurance products, as well as financial advisory services for equities, fixed income, structured products, alternative investments, and managed accounts; brokerage, and investment management services. As of December 31, 2021, it operated 189 financial stores and 1,581 ATMs. Intercorp Financial Services Inc. was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
URL
https://ifs.com.pe/
IPO date
May 16, 2007
Employees
8,076
Domiciled in
PE
Incorporated in
PA

Valuation

Title
PEN in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
4,485,926
9.69%
4,089,501
-36.92%
6,483,311
8.91%
Cost of revenue
2,621,803
2,487,973
2,920,579
Unusual Expense (Income)
NOPBT
1,864,123
1,601,528
3,562,732
NOPBT Margin
41.55%
39.16%
54.95%
Operating Taxes
314,365
275,596
462,537
Tax Rate
16.86%
17.21%
12.98%
NOPAT
1,549,758
1,325,932
3,100,195
Net income
1,300,078
21.19%
1,072,728
-35.69%
1,668,026
-6.82%
Dividends
(427,369)
(511,788)
(751,532)
Dividend yield
12.75%
20.27%
27.71%
Proceeds from repurchase of equity
(122,688)
(80,946)
BB yield
3.66%
3.21%
Debt
Debt current
2,014,600
1,893,494
Long-term debt
9,709,609
8,951,384
8,694,002
Deferred revenue
940,269
Other long-term liabilities
74,706,182
70,755,807
(6,077,986)
Net debt
6,345,847
(18,352,694)
(43,026,405)
Cash flow
Cash from operating activities
(1,777,555)
2,875,192
(1,012,077)
CAPEX
(104,719)
(147,645)
(362,306)
Cash from investing activities
(7,045)
(3,532,725)
(1,393,557)
Cash from financing activities
4,675,259
(3,013,435)
(1,276,223)
FCF
8,716,737
(5,745,814)
6,270,113
Balance
Cash
3,363,762
2,474,859
30,555,721
Long term investments
26,843,819
23,058,180
Excess cash
3,139,466
29,114,203
53,289,735
Stockholders' equity
10,652,821
9,559,639
9,516,543
Invested Capital
92,254,920
82,079,740
76,113,262
ROIC
1.78%
1.68%
3.91%
ROCE
1.95%
1.75%
4.16%
EV
Common stock shares outstanding
114,287
115,012
115,418
Price
29.34
33.67%
21.95
-6.60%
23.50
-10.92%
Market cap
3,353,181
32.82%
2,524,513
-6.92%
2,712,323
-10.92%
EV
9,762,388
(15,770,297)
(40,259,306)
EBITDA
2,277,180
1,980,566
3,898,958
EV/EBITDA
4.29
Interest
2,511,195
1,584,178
Interest/NOPBT
156.80%
44.47%