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

Equities

IFS

PAL2400671A3

Banks

End-of-day quote Lima
Other stock markets
 23:00:00 25/04/2024 BST 		5-day change 1st Jan Change
21.59 USD -0.96% Intraday chart for Intercorp Financial Services Inc. -1.19% -1.86%
04-01 Intercorp Financial Services Approves Dividend for 2023, Payable on April 29, 2024 CI
02-13 Transcript : Intercorp Financial Services Inc., Q4 2023 Earnings Call, Feb 13, 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 9,156 - -
Enterprise Value (EV) 1 15,632 12,857 12,349 10,484 9,346 9,156 9,156 9,156
P/E ratio 10.6 x 33.5 x 6.9 x 6.31 x 8.75 x 6.57 x 5.01 x 4.57 x
Yield 4.34% 1.57% 2.28% - - 5.64% 6.57% 9.34%
Capitalization / Revenue 3.35 x 2.74 x 2.47 x 1.84 x 1.54 x 1.5 x 1.36 x 1.59 x
EV / Revenue 3.35 x 2.74 x 2.47 x 1.84 x 1.54 x 1.5 x 1.36 x 1.59 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.76 x 1.44 x 1.3 x 1.05 x - 0.84 x 0.75 x 0.72 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 79.98 79.98 79.98
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 6,122 6,741 5,750
EBITDA - - - - - - - -
EBIT 1 2,683 2,783 2,742 3,013 3,336 3,879 4,175 -
Operating Margin 57.56% 59.29% 54.79% 52.89% 54.81% 63.37% 61.93% -
Earnings before Tax (EBT) 1 1,926 356.3 2,392 2,170 1,346 1,837 2,431 2,695
Net income 1 1,441 383.3 1,790 1,661 1,073 1,380 1,861 2,018
Net margin 30.92% 8.17% 35.77% 29.15% 17.63% 22.54% 27.61% 35.11%
EPS 2 12.78 3.320 15.51 14.39 9.330 12.17 15.97 17.50
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 5.883 1.750 2.444 - - 4.508 5.252 7.473
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 Q3 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
Net sales 1 1,389 1,022 1,232 1,251 1,665 1,540 1,446 1,525 1,535 1,612 1,432 1,295 1,298 1,320
EBITDA - - - - - - - - - - - - - -
EBIT 803.4 382.1 651 589.4 977.1 795.8 660.9 835.1 846.3 - - - - -
Operating Margin 57.84% 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 - - - 304.9 264 395 439 521
Net income 1 549.4 261.1 401 248.9 610.7 400 265.1 329 193.8 284.9 235.5 304.7 340.4 384.2
Net margin 39.55% 25.56% 32.54% 19.9% 36.69% 25.97% 18.33% 21.57% 12.63% 17.68% 16.45% 23.53% 26.23% 29.11%
EPS 2 - - 3.470 2.160 5.290 3.470 - - - - 1.850 2.650 2.940 3.350
Dividend per Share 2 - 2.444 - - - - - - - - 3.750 - - -
Announcement Date 09/11/21 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 - - - -
1PEN in Million2PEN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 18.3% 4.5% 19.3% 17.7% - 12% 16.3% 16.5%
ROA (Net income/ Total Assets) 2.1% 0.5% 2% 1.9% - 1.51% 1.82% 1.9%
Assets 1 68,631 76,652 89,510 87,400 - 91,646 102,029 106,069
Book Value Per Share 2 76.70 77.20 82.30 86.50 - 95.10 107.0 111.0
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
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
79.98 PEN
Average target price
114.9 PEN
Spread / Average Target
+43.71%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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