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Intercorp Financial Services (IFS)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Intercorp Financial Services Balance Sheet 2024-2011 | IFS
Brief overview of Intercorp Financial Services 's financial position
This overview follows the five latest available annual observations between 2020 and 2024.
Assets moved from 88.2 billion PEN to 95.5 billion PEN, a rise of +8.2%. CAGR near 2% indicates restrained expansion.
Assets and liabilities changed at similar rates, +8.2% and +6.6%. The funding mix did not shift sharply.
A liability-heavy structure is normal for a financial institution; equity represents 11.5% of assets, from 10.1% initially.
Retained earnings stand at 1.4 billion PEN; the five-period change was +10.4%. This reflects accumulated business performance.
Overall picture
Intercorp Financial Services 's financial structure is not clear-cut. Asset scale alone does not resolve questions about how those assets are funded.
Annual Balance Sheet Intercorp Financial Services
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | -10.7 B | -4.24 B | -1.88 B | - | 6.38 B | 6.55 B | 1.2 B | -1.06 B | 331 M | 1.92 B |
Long Term Debt |
- | - | - | - | 8.06 B | 6.89 B | 6.5 B | 5.6 B | 4.77 B | 4.93 B | 5.58 B | 4.65 B | 4.83 B | - |
Total Non Current Liabilities |
- | - | - | - | - | 6.89 B | 6.5 B | 5.6 B | 4.77 B | 4.93 B | - | - | - | - |
Total Liabilities |
84.5 B | 79.6 B | 78.1 B | 80.4 B | 79.3 B | 62.7 B | 56.7 B | 54.6 B | 46.8 B | 45.7 B | 36.1 B | 30.2 B | 23.7 B | 20.3 B |
Retained Earnings |
1.44 B | 2.92 B | 2.36 B | - | 1.3 B | 6.85 B | 5.9 B | 5.26 B | 4.15 B | 3.8 B | 3.1 B | 2.17 B | 1.82 B | 1.51 B |
Total Assets |
95.5 B | 89.6 B | 87.5 B | 90 B | 88.2 B | 71.6 B | 63.7 B | 60.4 B | 51.7 B | 50 B | 40.4 B | 33.2 B | 26.6 B | 22.7 B |
Cash and Cash Equivalents |
12.6 B | 9.82 B | 13.2 B | 17.1 B | 18.8 B | 11.1 B | 8.38 B | - | - | - | - | - | - | - |
Book Value |
11 B | 10 B | 9.43 B | 9.56 B | 8.95 B | 8.9 B | 7.09 B | 5.8 B | 4.88 B | 4.35 B | 4.3 B | 3.03 B | 2.91 B | 2.37 B |
Total Shareholders Equity |
11 B | 10 B | 9.43 B | - | 8.95 B | 8.9 B | 7.09 B | 5.75 B | - | - | - | - | - | - |
All numbers in PEN currency
Quarterly Balance Sheet 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
84.5 B | 79.6 B | - | - | - | - | 80.4 B | - | - | - | 79.3 B | - | - | - | 62.7 B | - | - | - | 56.7 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
1.44 B | 2.92 B | - | - | - | - | 2.9 B | - | - | - | 1.3 B | - | - | - | 2.15 B | - | - | - | 1.2 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
95.5 B | 89.6 B | - | - | - | - | 90 B | - | - | - | 88.2 B | - | - | - | 71.6 B | - | - | - | 63.7 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
12.6 B | 9.82 B | - | - | - | - | 17.1 B | - | - | - | 18.8 B | - | - | - | 11.1 B | - | - | - | 8.38 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
11 B | 10 B | - | - | - | - | 9.56 B | - | - | - | 8.95 B | - | - | - | 8.9 B | - | - | - | 7.09 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
11 B | 10 B | - | - | - | - | 9.56 B | - | - | - | 8.95 B | - | - | - | 8.9 B | - | - | - | 7.09 B | - | - | - | 5.75 B | - | - | - | 5 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in PEN currency
Balance Sheet is a fundamental financial report of Intercorp Financial Services , providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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