Stock IFS INTERCORP FINANCIAL SERVICES INC.
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Financials Intercorp Financial Services Inc. OTC Markets

Equities

IFS

PAL2400671A3

Banks

Market Closed - OTC Markets
Other stock markets
 21:00:02 17/07/2024 BST 		5-day change 1st Jan Change
22.96 USD -0.82% Intraday chart for Intercorp Financial Services Inc. -4.01% +4.60%
05-14 Tranche Update on Intercorp Financial Services Inc.'s Equity Buyback Plan announced on May 12, 2023. CI
05-14 Transcript : Intercorp Financial Services Inc., Q1 2024 Earnings Call, May 14, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 15,632 12,857 12,349 10,484 9,346 9,806 - -
Enterprise Value (EV) 1 15,632 12,857 12,349 10,484 9,346 4,208 4,508 4,865
P/E ratio 10.6 x 33.5 x 6.9 x 6.31 x 8.75 x 8.79 x 5.78 x 4.83 x
Yield 4.34% 1.57% 2.28% - - 4.88% 5.88% 8.95%
Capitalization / Revenue 3.35 x 2.74 x 2.47 x 1.84 x 1.54 x 1.71 x 1.58 x 1.47 x
EV / Revenue 3.35 x 2.74 x 2.47 x 1.84 x 1.54 x 0.73 x 0.72 x 0.73 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.76 x 1.44 x 1.3 x 1.05 x - 0.92 x 0.83 x 0.76 x
Nbr of stocks (in thousands) 115,448 115,447 115,418 115,418 114,481 114,481 - -
Reference price 2 135.4 111.4 107.0 90.84 81.64 85.65 85.65 85.65
Announcement Date 14/02/20 11/02/21 10/02/22 14/02/23 13/02/24 - - -
1PEN in Million2PEN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 4,662 4,694 5,005 5,697 6,086 5,746 6,223 6,659
EBITDA - - - - - - - -
EBIT 1 2,683 2,783 2,742 3,013 3,336 2,497 3,922 4,366
Operating Margin 57.56% 59.29% 54.79% 52.89% 54.81% 43.45% 63.03% 65.57%
Earnings before Tax (EBT) 1 1,926 356.3 2,392 2,170 1,346 1,446 2,235 2,683
Net income 1 1,441 383.3 1,790 1,661 1,073 1,180 1,749 2,044
Net margin 30.92% 8.17% 35.77% 29.15% 17.63% 20.53% 28.11% 30.69%
EPS 2 12.78 3.320 15.51 14.39 9.330 9.749 14.82 17.74
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 5.883 1.750 2.444 - - 4.178 5.033 7.665
Announcement Date 14/02/20 11/02/21 10/02/22 14/02/23 13/02/24 - - -
1PEN in Million2PEN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 1,022 1,232 1,251 1,665 1,540 1,446 1,525 1,535 1,612 1,466 1,388 1,311 1,332 -
EBITDA - - - - - - - - - - - - - -
EBIT 382.1 651 589.4 977.1 795.8 660.9 835.1 846.3 - - - - - -
Operating Margin 37.41% 52.83% 47.12% 58.7% 51.66% 45.69% 54.75% 55.14% - - - - - -
Earnings before Tax (EBT) 1 - 503.4 396.4 760.5 509.7 - - - 304.9 187.8 233 407 451 -
Net income 1 261.1 401 248.9 610.7 400 265.1 329 193.8 284.9 140.2 224.6 335.5 403.5 443.9
Net margin 25.56% 32.54% 19.9% 36.69% 25.97% 18.33% 21.57% 12.63% 17.68% 9.56% 16.18% 25.59% 30.29% -
EPS 2 - 3.470 2.160 5.290 3.470 - - - - 1.220 1.750 2.740 3.040 -
Dividend per Share 2 2.444 - - - - - - - - - - - - -
Announcement Date 10/02/22 13/05/22 16/08/22 10/11/22 14/02/23 10/05/23 10/08/23 09/11/23 13/02/24 13/05/24 - - - -
1PEN in Million2PEN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - - - -
Net Cash position 1 - - - - - 5,597 5,298 4,941
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 18.3% 4.5% 19.3% 17.7% 11.3% 11.4% 15.1% 16.4%
ROA (Net income/ Total Assets) 2.1% 0.5% 2% 1.9% 1.2% 1.23% 1.73% 1.95%
Assets 1 68,631 76,652 89,510 87,400 89,392 96,231 100,825 104,855
Book Value Per Share 2 76.70 77.20 82.30 86.50 - 93.60 103.0 113.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 14/02/20 11/02/21 10/02/22 14/02/23 13/02/24 - - -
1PEN in Million2PEN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Intercorp Financial Services Inc.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
86.22 PEN
Average target price
113.5 PEN
Spread / Average Target
+31.62%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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