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Intercorp Financial Services  logo
Intercorp Financial Services IFS
$ 53.4 -0.35%
report update icon

Quarterly report 2024-Q4
added 06-12-2026

Intercorp Financial Services Financial Ratios 2024-2011 | IFS

Brief overview of Intercorp Financial Services 's valuation and returns

Ratios are assessed across five available annual reports in the 2020–2024 interval.

The current valuation set is P/E 2.73x (median 2.31x), P/B 0.33x (median 0.31x), P/CF 1.23x (median 1.23x). On average, multiples differ from their five-year medians by only +5%. Valuation is near its familiar historical range.

The 1/P/E calculation produces a 36.6% earnings yield. It does not capture future growth or capital structure.

Capital efficiency is characterized by ROE 11.9%, ROA 1.4%, ROCE 15%. Profitability remains positive and sufficient for normal operations without indicating exceptional efficiency.

For this sector, valuation ratios are useful only alongside capital adequacy, reserves and credit-portfolio quality.

Overall picture

Intercorp Financial Services trades near its familiar ratio range. A new earnings or profitability trend is needed to change the view.

Annual Financial Ratios Intercorp Financial Services

2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

2.7 2.3 1.6 1.6 9.2 2.9 - 3.0 14.4 6.2 11.9 13.3 17.4 2.3

P/S

- - - - 0.6 0.7 - 0.5 2.7 1.6 2.9 2.9 4.0 0.7

EPS

11.4 9.3 14.5 - 3.3 12.8 9.8 9.6 - - - - - -

EV (Enterprise Value)

75.5 B 72.3 B 67.6 B 66.3 B 64 B 55.6 B 48.3 B 57.1 B 50 B 47.7 B 39.1 B 32.8 B 27 B 20.8 B

EBITDA per Share

14.4 11.7 18.8 20.7 3.09 17.1 - - 12 15.6 12.5 11.6 10.3 -

EV/EBITDA

45.9 53.7 31.2 1.2 - 5.9 - - 7.4 5.0 2.1 0.2 2.8 -

PEG

0.03 - - - -0.49 0.41 - 9.11 -0.44 0.2 1.48 4.98 13.98 0.06

P/B

0.3 0.2 0.3 0.3 0.4 0.5 - 0.4 2.4 1.7 2.6 3.2 4.2 0.7

P/CF

1.2 0.9 -2.7 2.2 0.3 2.5 - 0.7 2.7 1.2 12.8 1.9 2.5 0.3

ROE %

11.91 10.78 17.80 - 4.28 16.19 15.30 14.46 16.57 27.61 22.02 23.98 24.27 29.43

ROA %

1.37 1.20 1.92 2.00 0.43 2.01 1.70 1.38 1.60 2.46 2.35 2.18 2.65 3.08

ROCE %

14.99 13.45 22.98 - 3.98 12.19 11.35 - 12.10 17.17 - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.2 1.2 - - - -

DSO

- - - - 0.3 0.2 - - - - 674.8 695.2 656.6 124.7

Operating Cycle

- - - - 0.3 0.2 - - - - - - - -

Cash Conversion Cycle

- - - - 0.3 0.2 - - - - - - - -

All numbers in PEN currency

Quarterly Financial Ratios Intercorp Financial Services

2024-Q4 2023-Q4 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

11.376 9.327 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

14.4 11.7 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

11.91 10.78 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

1.37 1.20 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROCE %

14.99 13.45 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 - - - - 1.1 - - - 1.1 - - - 1.1 - - - 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in PEN currency

Multiples are an important financial analysis tool for the company Intercorp Financial Services , allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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