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XNYSIFS
Market cap3.35bUSD
Dec 20, Last price  
29.04USD
1D
0.35%
1Q
18.48%
IPO
-36.46%
Name

Intercorp Financial Services Inc

Chart & Performance

D1W1MN
XNYS:IFS chart
P/E
11.63
P/S
2.04
EPS
9.29
Div Yield, %
15.27%
Shrs. gr., 5y
0.82%
Rev. gr., 5y
5.01%
Revenues
4.09b
-36.92%
952,115,0001,242,795,0001,505,839,0001,964,967,0002,104,908,0002,334,010,0003,066,532,0003,288,075,0003,935,441,0004,622,143,0004,479,275,0004,592,894,0004,779,004,0005,371,387,0005,473,713,0005,952,675,0006,483,311,0004,089,501,000
Net income
1.07b
-35.69%
187,850,000277,843,000249,395,000504,886,000499,095,000698,466,000705,714,000725,533,000947,549,0001,231,766,000828,143,000831,760,0001,084,280,0001,441,258,000383,259,0001,790,155,0001,668,026,0001,072,728,000
CFO
2.88b
P
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
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
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
4,089,501
-36.92%
6,483,311
8.91%
5,952,675
8.75%
Cost of revenue
2,487,973
2,920,579
2,723,149
Unusual Expense (Income)
NOPBT
1,601,528
3,562,732
3,229,526
NOPBT Margin
39.16%
54.95%
54.25%
Operating Taxes
275,596
462,537
502,112
Tax Rate
17.21%
12.98%
15.55%
NOPAT
1,325,932
3,100,195
2,727,414
Net income
1,072,728
-35.69%
1,668,026
-6.82%
1,790,155
367.09%
Dividends
(511,788)
(751,532)
(633,853)
Dividend yield
20.27%
27.71%
20.82%
Proceeds from repurchase of equity
(80,946)
(594)
BB yield
3.21%
0.02%
Debt
Debt current
2,014,600
1,893,494
1,595,405
Long-term debt
8,951,384
8,694,002
9,283,517
Deferred revenue
940,269
782,782
Other long-term liabilities
70,755,807
(6,077,986)
(9,831,353)
Net debt
(18,352,694)
(43,026,405)
(48,868,387)
Cash flow
Cash from operating activities
2,875,192
(1,012,077)
1,345,804
CAPEX
(147,645)
(362,306)
(257,810)
Cash from investing activities
(3,532,725)
(1,393,557)
(2,326,501)
Cash from financing activities
(3,013,435)
(1,276,223)
(861,698)
FCF
(5,745,814)
6,270,113
2,406,281
Balance
Cash
2,474,859
30,555,721
34,991,306
Long term investments
26,843,819
23,058,180
24,756,003
Excess cash
29,114,203
53,289,735
59,449,675
Stockholders' equity
9,559,639
9,516,543
9,025,954
Invested Capital
82,079,740
76,113,262
82,446,537
ROIC
1.68%
3.91%
3.33%
ROCE
1.75%
4.16%
3.53%
EV
Common stock shares outstanding
115,012
115,418
115,419
Price
21.95
-6.60%
23.50
-10.92%
26.38
-18.45%
Market cap
2,524,513
-6.92%
2,712,323
-10.92%
3,044,753
-18.47%
EV
(15,770,297)
(40,259,306)
(45,772,309)
EBITDA
1,980,566
3,898,958
3,509,216
EV/EBITDA
Interest
2,511,195
1,584,178
987,267
Interest/NOPBT
156.80%
44.47%
30.57%