Intercorp Financial Services/$IFS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Intercorp Financial Services
Intercorp Financial Services Inc is a provider of banking, insurance, wealth management services, and payments for retail customers and commercial clients in Peru. Its purpose is centered around building financial well-being together. The company has three operating business segments: Banking, mainly loans, credit facilities, deposits, and current accounts; Insurance provides life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and Wealth management provides brokerage and investment management services. Inteligo serves mainly Peruvian citizens.
- Ticker
- $IFS
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 9,229
- Headquarters
- Lima, Peru
- Website
- ifs.com.pe
IFS Metrics
BasicAdvanced
$6.1B
9.95
$5.49
0.44
$1.71
3.13%
Price and volume
Market cap
$6.1B
Beta
0.44
52-week high
$61.38
52-week low
$38.29
Average daily volume
199K
Dividend rate
$1.71
Financial strength
Dividend payout ratio (TTM)
33.97%
Profitability
Net profit margin (TTM)
35.66%
Operating margin (TTM)
43.31%
Effective tax rate (TTM)
21.12%
Revenue per employee (TTM)
$186,040
Management effectiveness
Return on assets (TTM)
2.07%
Return on equity (TTM)
17.23%
Valuation
Price to earnings (TTM)
9.946
Price to revenue (TTM)
3.547
Price to book
0.47
Price to tangible book (TTM)
0.54
Price to free cash flow (TTM)
-25.912
Free cash flow yield (TTM)
-3.86%
Free cash flow per share (TTM)
-2.107
Dividend yield (TTM)
3.13%
Forward dividend yield
3.13%
Growth
Revenue change (TTM)
10.03%
Earnings per share change (TTM)
12.93%
3-year revenue growth (CAGR)
6.71%
3-year earnings per share growth (CAGR)
11.70%
10-year earnings per share growth (CAGR)
9.08%
3-year dividend per share growth (CAGR)
10.45%
10-year dividend per share growth (CAGR)
3.18%
What the Analysts think about IFS
Analyst ratings (Buy, Hold, Sell) for Intercorp Financial Services stock.
Analyst projections of the future price of Intercorp Financial Services stock.
Bulls say / Bears say
IFS’s first-half 2026 net profit rose 16% year on year to S/1.187 billion, with annualised ROE of 18.5% in the second quarter. Interbank profit rose 22.7% as higher-yielding loans grew 12%, giving the main earnings engine clear momentum. (Intercorp Financial Services, Forbes Perú)
IFS is broadening its earnings base beyond banking. Interseguro’s second-quarter profit rose 46.8%, while Inteligo’s assets under management reached a record near US$10 billion, up 14% year on year. (Intercorp Financial Services, Intercorp Financial Services)
Credit quality remains supportive of returns. The bank’s Stage 3 non-performing loan ratio improved to 2.1% from 2.4% a year earlier, while coverage increased to 142.9%, leaving IFS room to grow consumer and small-business lending without a current deterioration in reported asset quality. (Intercorp Financial Services, Fitch Ratings)
A possible strong El Niño is a material second-half risk. Management expects potential effects on consumers and exposed sectors such as agriculture and fishing, and has warned that forward-looking provisions may rise in the third and fourth quarters. (Intercorp Financial Services, El Comercio Perú)
Credit costs are likely to normalise higher as the loan mix shifts towards consumer and small-business products. Management said cost of risk could move from 2.1% towards 2.5% or slightly above, because provisions are booked upfront while the higher loan yields arrive over time. (Intercorp Financial Services, The Markets Daily)
Not all segments are converting growth into profit. Wealth-management profit fell 39% year on year because of weaker trading-related income, while group expenses rose 11% and average yields on interest-earning assets fell 35 basis points as assets repriced in a lower-rate environment. (Intercorp Financial Services, Intercorp Financial Services)
Data summarised monthly by Lightyear AI. Last updated on 25 Sept 2026.
IFS Financial Performance
Revenues and expenses
IFS Earnings Performance
Company profitability
Upcoming events
No upcoming events
IFS News
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Funds containing IFS
AllUSDEURGBP
Fund name | Fund size | $IFS weighting |
|---|---|---|
iShares Core MSCI Emerging Markets IMI$EIMI | $46B | 0.02% |
iShares Core MSCI Emerging Markets€EMIM | €39B | 0.02% |
iShares Core MSCI Emerging Markets IMI£EMIM | £34B | 0.02% |
iShares MSCI EM IMI Screened€AYEM | €5.8B | 0.01% |
iShares MSCI EM IMI Screened£SEGM | £5B | 0.01% |
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