profit from every $100 of sales.
$0$100
Intercorp Financial Services
$51.56+6.16% today
+26.6% in 1 year
1-year low $38.501-year high $60.68
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $9.97 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Intercorp Financial Services sold, what it kept, and what it did with the cash.
Sales went from PEN 5.89 billion in 2022 to PEN 6.91 billion in 2025, with PEN 1.93 billion of profit last year.
SalesProfit
Intercorp Financial Services handed back 51% of the cash it generated last year.
Buybacks PEN 263MPEN 407M
Free cash flow 2025PEN 1.3B
Bought back its own sharesPEN 263M
Paid as dividendsPEN 407M
Cash vs. debtPEN 12.4B vs. PEN 11.0B
Intercorp Financial Services vs. similar companies
Intercorp Financial Services grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Intercorp Financial Services | 10.0× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Intercorp Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of PEN | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 5,886 | 6,331 | 6,535 | 6,907 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 1,668 | 1,073 | 1,300 | 1,932 | |
| 14.39 | 9.33 | 11.38 | 17.30 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.3% | 16.9% | 19.9% | 28.0% |
Balance sheet
| In millions of PEN | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 87,482 | 89,625 | 95,504 | 99,097 |
| Cash | 13,004 | 9,599 | 12,197 | 12,388 |
| Total debt | 10,475 | 10,875 | 11,818 | 10,995 |
| Total liabilities | 78,056 | 79,617 | 84,525 | 86,676 |
| 9,372 | 9,950 | 10,915 | 12,349 | |
| 115 | 115 | 114 | 112 | |
| – | – | – | – | |
| 17.8% | 10.8% | 11.9% | 15.6% |
Cash flow
| In millions of PEN | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -1,012 | 2,875 | 2,910 | 1,831 | |
| 362 | 428 | 350 | 523 | |
| -1,374 | 2,447 | 2,560 | 1,307 | |
| Dividends paid | 752 | 512 | 427 | 407 |
| 0 | 81 | 123 | 263 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.0×
- 2.6×
- 1.57
- 1.6×
- 2.8×
- 10.0%
- 4.1%
Profitability
- 28.3%
- 1.9%
- 7.2%
- 16.3%
- 1.9%
Growth
- +6.8%
- +6.2%
- −10.6%
- −1.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 34%of 748
Top 38%of 603
Top 26%of 873
Bottom 43%of 883
Top 38%of 933
What analysts expect
- Average price target
- $30.50
- Range
- $29.00 – $32.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 11, 2026 | 1.59 | 1.40 | +13.6% |
| Feb 11, 2026 | 1.23 | 1.10 | +11.8% |
| Nov 6, 2025 | 1.12 | 1.16 | −3.4% |
| Aug 11, 2025 | 1.41 | 1.07 | +31.8% |
| May 8, 2025 | 1.06 | 0.89 | +19.1% |
| Feb 5, 2025 | 1.13 | 0.94 | +20.2% |
| Nov 12, 2024 | 0.91 | 0.78 | +16.7% |
| Aug 14, 2024 | 0.67 | 0.57 | +17.5% |
4.1%of the share price, paid each year
On $1,000 invested$41a year at today's yield, before tax
−10.6%2020 to 2025
Raised–not every year
Paid per share, each year
$1.30 in 2016 → $1.00 in 2025
How safe it looks
21.1% of its profit
Room to growStretchedMore than it earns: 31.1%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
65Pass
Benjamin Graham
78Pass
Philip Fisher
69Pass
Peter Lynch
46No pass
Joel Greenblatt
22No pass
Charlie Munger
62Pass
Terry Smith
62Pass
Questions about Intercorp Financial Services
Is Intercorp Financial Services a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Intercorp Financial Services AI analysis
What does Intercorp Financial Services do?
Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. It is in Banks - Regional, based in Lima, Peru, with 9,229 employees.
Does Intercorp Financial Services pay a dividend?
Yes. At today's price the dividend is 4.1% a year, about 21% of its yearly profit. In 2025 it paid out $407 million in dividends.
Is Intercorp Financial Services stock halal?
No. Intercorp Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Intercorp Financial Services stock done over the past year?
Up 26.6% over the past twelve months, to $51.56. It traded between $38.50 and $60.68 and is 15.0% below its high.
Who are Intercorp Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Intercorp Financial Services's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.