IFS · NYSE · Banks - Regional

Intercorp Financial Services (IFS)

Coordinates Interbank, Interseguro, Inteligo and Izipay across Peru's financial-services market.

$55.73
vs last close+0.21 (+0.38%)
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Intercorp Financial Services Inc.IFS
Financial sector

Coordinates banking, insurance, wealth-management and payments businesses through Interbank, Interseguro, Inteligo and Izipay. The group reports Banking, Insurance and Wealth management as operating segments and sets strategy and management policies for subsidiaries operating in Peru.

Coordinates a Peru-focused group spanning Interbank banking, Interseguro insurance, Inteligo wealth management and Izipay payments. The company acts as controlling shareholder and coordinator within Intercorp Group.

Banking covers loans, credit facilities, deposits and current accounts. The group reports Banking, Insurance and Wealth management as operating segments, while Izipay remains a portfolio business rather than a fourth reportable segment.

Organized in Panama, the NYSE-listed holding company sets strategy, supervision and management policies for subsidiaries operating in Peru. It has no standalone employee base; operations are carried out by Intercorp Group subsidiaries.

Company facts

CEOLuis Felipe Castellanos López-Torres
ListedJul 19, 2019
ExchangeNYSE
HeadquartersLima, Peru
CountryPeru
Employees9,229
CIK0001615903
ISINPAL2400671A3

Market cap$6.17B
EPS (ttm)$5.58
P/E (ttm)9.95
ROE16.9%
P/B1.62
P/S2.33
Dividend yieldDiv yield3.24%
Beta0.68vs XLF 0.41

Price target$30.50−45.1%Average of 4 analysts
ConsensusBuy2 of 4 analysts
Ratings

Target rangeAs of Sep 21, 2026

Latest analyst notes

DateFirmActionPriorCurrent
Jun 15, 2026JP MorganDowngrade
Rating: Overweight
Rating: Neutral

Next report
Nov 9, 26
in 48 days
EPS estimate
$1.45
Revenue estimate
$462.1M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Feb '25May '25Aug '25Nov '25Feb '26May '26Aug '26Nov '26
Reported$1.13$1.06$1.41$1.12$1.23$1.59$1.53Pending
Estimate$0.94$0.89$1.07$1.16$1.10$1.36$1.45$1.45
Surprise+20.2%+19.1%+31.8%−3.4%+11.8%+16.9%+5.5%

RevenueReportedEstimate

Feb '25May '25Aug '25Nov '25Feb '26May '26Aug '26Nov '26
Reported$604.1M$349.0M$420.1M$632.0M$532.7M$435.2M$491.2MPending
Estimate$412.6M$403.6M$442.8M$465.3M$488.1M$502.5M$520.5M$462.1M
Surprise+46.4%−13.5%−5.1%+35.8%+9.1%−13.4%−5.6%
Estimate$1.45
ReportedDue Nov 9, 2026
Estimate$462.1M
ReportedDue Nov 9, 2026
View details

Debt to equity109.10%
Current ratio74.10%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$660.5M$675.4M$687.8M$966.5M$648.1M$378.5M$908.7M$718.2M
Net income$114.9M$144.5M$125.4M$166.0M$134.3M$134.9M$177.0M$172.6M
Net margin17.4%21.4%18.2%17.2%20.7%35.7%19.5%24.0%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$137.1M$187.4M$161.7M$203.5M$168.4M$182.5M$223.6M$206.4M
YoY growth+83.7%+107.4%+190.6%+89.1%+22.9%−2.6%+38.3%+1.4%

Balance sheet, Jun 30, 2026Cash & short-term investments $13.46B · Total debt $4.16B · Total assets $31.22B · Shareholders' equity $3.81B

Revenue
$718.2M
Operating income
$206.4M
Net income
$172.6M

Reported in PEN, converted at the latest exchange rate

View details

Dividend yield
3.24%
Next ex-date
Apr 24, 27
estimated · in 214 days
Annual dividend
$1.80
per share
Schedule
Annual
one payment a year

HistoryDividendAnnual yield

Apr '22Apr '23Apr '24Apr '25Apr '26
Dividend$1.663$1.18$1.00$1.00$1.80
Annual yield5.87%5.37%4.73%3.14%3.99%
Ex-dateApr 27Apr 27Apr 17Apr 24Apr 24
Payment dateMay 6May 8Apr 29May 5May 5
View details

Institutions≈ 15.03%16.70M ADS
117 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail
Insiders0.03%32.8K ADS
2 holders · as of Apr 1, 2026
Other≈ 84.94%94.34M ADS
remainder

111.07M ADS as of Sep 6, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

The share count is from the company's Dec 2022 annual report; nothing newer is on file here.

This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
FMR LLCInstitution
2.08%2.31M ADSas of Jun 30, 2026
BlackRock, Inc.Institution
1.41%1.56M ADSas of Jun 30, 2026
Lazard Asset Management LLCInstitution
1.01%1.12M ADSas of Jun 30, 2026
Acadian Asset Management LLCInstitution
0.98%1.09M ADSas of Jun 30, 2026
Nwi Management LPInstitution
0.92%1.02M ADSas of Jun 30, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Mar 26, 2026Maria Guzman Hugo Antonio Santadirector−225$47.76
View details

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