IFSNYSECommercial Banks, NEC
Intercorp Financial Services Inc.
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 24, 2026
$53.72−0.88 (-1.61%)
Close on Oct 19, 2026
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Operating income | +48.0% | +4.0% | +46.9% | – | |
| Net income | +48.6% | +5.0% | +38.2% | – | |
| EPS, diluted | +52.1% | +6.2% | +39.1% | – | |
| Free cash flow | -45.5% | – | -34.8% | – |
Returns and balance sheet
9 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 4.3% | 16.6% | |
| Return on assets | – | 0.5% | 2.0% | |
| Interest coverage | – | 0.3× | 1.1× | |
| Diluted shares | 107M | 115M | 112M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Intercorp Financial Services generated 9.97B PEN from operations and spent 3.51B PEN on capital expenditure, dividends and share buybacks. 22% of that went back into the business.
Generated
9.97B PEN
Used
3.51B PEN
Capital expenditure776.12M PEN22%Dividends2.73B PEN78%Share buybacks0 PEN0%
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 5 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero1.93B PEN
- Cash generatingOperating cash flow above zero1.83B PEN
- Return on assets improvedROA up on the prior year1.5% → 2.0%
- Earnings backed by cashOperating cash flow above net income1.83B PEN vs 1.93B PEN
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise114M → 112M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –