Intercorp Financial Financials Overview

IFS Stock

USD 45.10 1.11 2.52%

Intercorp Financial's profitability, debt capacity, and cash conversion metrics provide the foundation for assessing financial durability. Revenue for Intercorp Financial came in at 9.24 Billion with 1.82 Billion reaching the bottom line, a 35.15% margin. On the balance sheet, cash sits at 15.09 Billion with debt at 12.78 Billion. Intercorp Financial Services operates at significant scale, but margin compression and elevated leverage point to serviceable financial positioning. Return on assets remains in positive territory, consistent with the company's business model and scale.

Cash Flow Balance Sheet Income Statement

Macro event markers

Yuan Drop

Covid

Interest Hikes

Balance Sheet Account Activities

Non Current Liabilities Total stood at 80.32 Billion as of December 31, 2025. As of the beginning of April, Other Stockholder Equity is approximately 9.6 B based on the most recent filings, while Short and Long Term Debt Total is slightly above 7.6 B.

Total Assets Short Long Term Debt Total Other Current Liab Total Current Liabilities

Add Fundamental

Key Financial Indicators for Intercorp Financial

Operating Margin

39.7%

Short Term Coverage Ratios

0.5

Short Long Term Debt Total

7.6 B

Other Current Liab

64.1 B

Price Earnings Ratio

8.3

Earnings links to analyst estimate history and revisions, Ownership shows shareholder mix, Profitability focuses on margin and return ratios, Liquidity covers cash-flow strength and short-term funding capacity, and Fundamentals groups the broader financial ratio set.

Intercorp Financial Stock Summary

Intercorp Financial is commonly compared to Hancock Whitney, United Bankshares, Bank Ozk, Ameris Bancorp, and Grupo Aval. Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Per Ltd. Intercorp Financial operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 7378 people.

Specialization	Financial Services, Banks - Regional
Instrument	USA Stock View All
Exchange	New York Stock Exchange
ISIN	PAL2400671A3
Business Address	Torre Interbank, Lima,
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	ifs.com.pe
Phone	51 1 615 9011
Currency	USD - US Dollar

Revenue, margins, and capital structure at Intercorp Financial are presented below from the most recent reporting periods. Balance sheet composition, income statement margins, and cash flow conversion are broken out separately below. Benchmarking Intercorp Financial figures against prior periods and sector norms sharpens the analytical signal.

Key Financial Ratios

Return on equity, debt-to-equity, and margin ratios from Intercorp Financial's statements reveal whether the business is generating adequate returns on the capital it employs.

	Return On Equity	0.17
	Profit Margin	0.35
	Operating Margin	0.4
	Price To Sales	0.91 X
	Revenue	9.24 B

More Fundamentals

Financial Ratio Analysis

Return On Equity stood at 22.00% as of December 31, 2025. Related reported metric: Return On Asset at 2.21% as of December 31, 2025.

Core Fundamental Drivers

The relationship between Intercorp Financial's leverage, margins, and cash generation determines whether the fundamental trajectory is improving or deteriorating. Intercorp Financial reports revenue of 9.24 B, a price-to-earnings ratio of 5.84, and an operating margin of 39.69% on a trailing twelve-month basis, compared to 28.0% in the last reported annual period.

	2023	2024	2025	2026 (projected)
Interest Expense	2.5B	2.3B	2.1B	1.1B
Depreciation And Amortization	379.0M	413.1M	424.4M	445.7M

Interest Expense Depreciation And Amortization

Key Balance Sheet Account Correlations

	Total Assets	Net Debt	Retained Earnings	Accounts Payable	Cash	Net Receivables	Total Liab	Common Stock	Good Will	Intangible Assets	Capital Surplus	Treasury Stock	Earning Assets	Inventory	Capital Stock
Total Assets		-0.31	0.41	0.21	0.84	-0.11	1.0	0.73	0.59	0.7	0.86	0.74	0.94	0.51	0.66
Net Debt	-0.31		0.13	-0.44	-0.73	0.23	-0.33	-0.17	0.15	0.12	-0.22	-0.08	-0.24	0.35	0.03
Retained Earnings	0.41	0.13		0.15	0.22	0.29	0.41	0.35	0.18	0.28	0.34	0.32	0.32	0.48	0.18
Accounts Payable	0.21	-0.44	0.15		0.39	-0.38	0.22	0.16	0.16	0.05	0.02	-0.19	0.08	0.06	0.04
Cash	0.84	-0.73	0.22	0.39		-0.14	0.85	0.69	0.38	0.44	0.69	0.54	0.74	0.19	0.46
Net Receivables	-0.11	0.23	0.29	-0.38	-0.14		-0.1	0.29	-0.42	-0.43	-0.31	-0.21	-0.31	-0.27	-0.49
Total Liab	1.0	-0.33	0.41	0.22	0.85	-0.1		0.73	0.58	0.69	0.85	0.74	0.94	0.5	0.65
Common Stock	0.73	-0.17	0.35	0.16	0.69	0.29	0.73		0.44	0.44	0.49	0.42	0.54	0.3	0.39
Good Will	0.59	0.15	0.18	0.16	0.38	-0.42	0.58	0.44		0.93	0.63	0.55	0.64	0.81	0.89
Intangible Assets	0.7	0.12	0.28	0.05	0.44	-0.43	0.69	0.44	0.93		0.78	0.73	0.8	0.88	0.93
Capital Surplus	0.86	-0.22	0.34	0.02	0.69	-0.31	0.85	0.49	0.63	0.78		0.92	0.92	0.63	0.84
Treasury Stock	0.74	-0.08	0.32	-0.19	0.54	-0.21	0.74	0.42	0.55	0.73	0.92		0.83	0.59	0.76
Earning Assets	0.94	-0.24	0.32	0.08	0.74	-0.31	0.94	0.54	0.64	0.8	0.92	0.83		0.61	0.77
Inventory	0.51	0.35	0.48	0.06	0.19	-0.27	0.5	0.3	0.81	0.88	0.63	0.59	0.61		0.8
Capital Stock	0.66	0.03	0.18	0.04	0.46	-0.49	0.65	0.39	0.89	0.93	0.84	0.76	0.77	0.8

Click cells to compare fundamentals

Accounts with consistently high correlation across periods share underlying business drivers at Intercorp Financial. When that correlation breaks down - when previously linked accounts start moving independently - it often signals a structural shift in the operating model or cost base. Relationships between total assets and total liabilities reveal how changes in leverage affect the overall financial position.

Balance Sheet Account Relationship Matchups

Financial Metrics, Fundamentals & Methodology

Reviewing Intercorp Financial means checking how consistently revenue is converted into earnings and cash flow. Balance-sheet composition shapes financial flexibility and solvency risk. Intercorp Financial currently reports revenue of 9.24 B, positive EPS of 4.83, operating margin of 39.69% as of the latest reporting period.

Intercorp Financial Services values are built from periodic company reporting and market reference feeds, with reporting definitions aligned before display. Reported income, balance-sheet, and cash-flow fields adhere to GAAP or IFRS presentation rules.

Editorial review and methodology oversight provided by: Michael Smolkin, Member of Macroaxis Board of Directors

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Intercorp Financial Financials Overview

Balance Sheet Account Activities

Key Financial Indicators for Intercorp Financial

Intercorp Financial Stock Summary

Key Financial Ratios

Financial Ratio Analysis

Core Fundamental Drivers

Key Balance Sheet Account Correlations

Balance Sheet Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Financial Metrics, Fundamentals & Methodology

Additional Tools for Intercorp Stock Analysis

Total Assets	Short Long Term Debt Total
Other Current Liab	Total Current Liabilities
Total Stockholder Equity	Property Plant And Equipment Net
Net Debt	Retained Earnings
Accounts Payable	Cash
Non Current Assets Total	Non Current Assets Other
Other Assets	Cash And Short Term Investments
Net Receivables	Common Stock Total Equity
Common Stock Shares Outstanding	Liabilities And Stockholders Equity
Non Current Liabilities Total	Other Stockholder Equity
Total Liab	Property Plant And Equipment Gross
Total Current Assets	Accumulated Other Comprehensive Income
Common Stock	Short Term Investments
Other Current Assets	Short Term Debt
Good Will	Intangible Assets
Long Term Debt	Long Term Debt Total
Capital Surplus	Treasury Stock
Property Plant Equipment	Earning Assets
Other Liab	Net Tangible Assets
Deferred Long Term Liab	Net Invested Capital
Long Term Investments	Short Long Term Debt
Inventory	Capital Stock
Current Deferred Revenue	Capital Lease Obligations

Total Liab	+ 1.0	Total Assets
Earning Assets	+ 0.94	Total Assets
Earning Assets	+ 0.94	Total Liab
Intangible Assets	+ 0.93	Good Will
Capital Stock	+ 0.93	Intangible Assets
Treasury Stock	+ 0.92	Capital Surplus

Cash	- 0.73	Net Debt
Capital Stock	- 0.49	Net Receivables
Accounts Payable	- 0.44	Net Debt
Intangible Assets	- 0.43	Net Receivables
Good Will	- 0.42	Net Receivables
Net Receivables	- 0.38	Accounts Payable