IFS
Intercorp Financial Services Inc.Figures below are compared against other companies classified under Commercial Banks, NEC.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | Not reported | 11.1% | — |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | Not reported | 11.4% | — |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | Not reported | 8.8% | — |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | 22.0% | 18.7% | 10 / 26 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | -9.8% | 8.5% | 20 / 24 |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | Not reported | 12.5% | — |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | 2.9% | -5.2% | 8 / 19 |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | 30.6% | 10.5% | 4 / 16 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | Not reported | — | — |
Operating margin Operating income as a share of revenue. | Not reported | — | — |
Net margin Net income as a share of revenue. | Not reported | 24.3% | — |
Free cash flow margin Free cash flow as a share of revenue. | Not reported | 21.2% | — |
Return on equity Net income divided by shareholder equity. | 11.9% | 13.1% | 17 / 31 |
Return on assets Net income divided by total assets. | 1.4% | 1.0% | 12 / 31 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | 29.3% | 33.9% | 5 / 8 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | 0.55x | 0.58x | 7 / 14 |
Current ratio Current assets over current liabilities. | Not reported | — | — |
Quick ratio Current assets excluding inventory, over current liabilities. | Not reported | — | — |
Interest coverage Operating income divided by interest expense. | 0.66x | 0.50x | 4 / 11 |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | -3.18x | -3.18x | 5 / 9 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Debt figures can be understated where a filer splits borrowings across XBRL tags this site does not match.
Annual financials
| Fiscal year | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Operating income | PEN 1.65B | PEN 1.35B | PEN 2.17B | PEN 2.39B | PEN 356.34M | PEN 1.93B | PEN 1.54B | — |
| Net income | PEN 1.31B | PEN 1.08B | PEN 1.68B | PEN 1.80B | PEN 383.55M | PEN 1.45B | PEN 1.09B | PEN 1.03B |
| EPS (diluted) | PEN 11.38 | PEN 9.33 | PEN 14.45 | PEN 15.51 | — | — | — | — |
| Operating cash flow | PEN 2.91B | PEN 2.88B | -PEN 1.01B | PEN 1.35B | PEN 12.99B | PEN 1.67B | -PEN 2.05B | PEN 3.41B |
| Capital expenditure | PEN 104.72M | PEN 147.65M | PEN 135.04M | PEN 87.28M | PEN 52.37M | PEN 68.19M | PEN 72.71M | PEN 84.69M |
| Free cash flow | PEN 2.81B | PEN 2.73B | -PEN 1.15B | PEN 1.26B | PEN 12.94B | PEN 1.60B | -PEN 2.12B | PEN 3.32B |
| Total assets | PEN 95.50B | PEN 89.62B | PEN 87.48B | PEN 89.95B | PEN 88.24B | PEN 71.56B | PEN 63.74B | — |
| Shareholder equity | PEN 10.98B | PEN 10.01B | PEN 9.43B | PEN 8.73B | PEN 8.95B | PEN 8.90B | PEN 7.09B | PEN 5.75B |
| Total debt | PEN 6.08B | PEN 5.55B | PEN 7.91B | PEN 8.39B | PEN 7.78B | PEN 6.89B | PEN 6.50B | — |
| Cash | PEN 12.62B | PEN 9.82B | PEN 13.19B | PEN 17.10B | PEN 18.77B | PEN 11.13B | PEN 8.38B | — |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Amounts are in PEN, as the company reports them. Nothing here is converted to dollars, so these figures cannot be compared directly against a company reporting in another currency. Margins, returns and other ratios are unaffected.
Source
Figures come from Intercorp Financial Services Inc.’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 20-F filed Apr 25, 2025. View filings on EDGAR.