Intercorp Financial Services EBITDA | IFS

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA), is an often used measure of a company's profitability. Financial analysts use EBITDA for a number of purposes including calculating simple valuations of a firm, estimating cash flows, and assessing debt servicing capability. The uses for EBITDA in financial analysis are numerous, but in practice should be more restrained. While EBITDA has some useful applications, it should be used with caution, as the problems with EBITDA are abundant and can lead to a number of misguided conclusions.^[1]

EBITDA is an important indicator for investors and analysts because it allows them to evaluate a company's operating profit without considering the impact of financial expenses, taxes, or non-cash depreciation and amortization. It provides better comparability between companies in different industries or with different tax conditions.

EBITDA is often used to assess a company's ability to generate cash flow and repay debts. It can also serve as a measure of a company's operational efficiency, as it shows how profitable the core business is, regardless of external factors such as interest or taxes.

However, it is important to note that EBITDA is not an official financial statement measure and can be defined and calculated differently by companies. Therefore, investors and analysts should exercise caution when using EBITDA as an evaluation tool and combine it with other financial metrics and information to get a more complete picture of a company's financial condition.

Annual EBITDA Intercorp Financial Services

2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
1.65 B	1.35 B	2.17 B	2.39 B	356 M	1.93 B	1.54 B	-	1.3 B	1.7 B	1.37 B	1.05 B	928 M	-

All numbers in PEN currency

Indicator range from annual reports

Maximum	Minimum	Average
2.39 B	356 M	1.48 B

Quarterly EBITDA 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
1.65 B	1.35 B	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in PEN currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
1.65 B	1.35 B	1.5 B

References

Brockman, C. M., & Russell, J. W. (2012). EBITDA: use it... or lose it?. International Journal of Business, Accounting and Finance, 6(2), 84-93.

EBITDA of other stocks in the Banks regional industry

Issuer	EBITDA	Price	% 24h	Market Cap	Country
Summit State Bank SSBI	8.76 M	$ 12.0	-0.83 %	$ 72.8 M	USA
S&T Bancorp STBA	10.4 M	$ 51.1	1.15 %	$ 1.95 B	USA
Stock Yards Bancorp SYBT	7.8 M	$ 79.19	1.11 %	$ 2.33 B	USA
BayCom Corp BCML	948 K	$ 30.63	0.59 %	$ 337 M	USA
Salisbury Bancorp SAL	4.28 M	-	-	$ 162 M	USA
The Bancorp TBBK	4.6 M	$ 50.69	-0.33 %	$ 2.32 B	USA
TriCo Bancshares TCBK	6.38 M	$ 52.96	0.46 %	$ 1.73 B	USA
ChoiceOne Financial Services COFS	3.61 M	$ 34.61	1.02 %	$ 483 M	USA
Truist Financial Corporation TFC	290 M	$ 48.9	0.94 %	$ 62.9 B	USA
First Financial Corporation THFF	12.2 M	$ 76.44	-0.29 %	$ 906 M	USA
Tompkins Financial Corporation TMP	6.62 M	$ 103.05	1.83 %	$ 1.47 B	USA
Umpqua Holdings Corporation UMPQ	28.3 M	-	-	$ 3.83 B	USA
Grupo Supervielle S.A. SUPV	195 B	$ 7.09	-8.4 %	$ 3.12 B	-
TFS Financial Corporation TFSL	4.62 M	$ 16.7	0.57 %	$ 4.65 B	USA
Bogota Financial Corp. BSBK	398 K	$ 9.14	0.44 %	$ 115 M	USA
Timberland Bancorp TSBK	1.54 M	$ 46.88	0.28 %	$ 371 M	USA
Axos Financial AX	29.7 M	$ 92.0	0.23 %	$ 5.21 B	USA
United Bancorp UBCP	1.23 M	$ 13.88	1.09 %	$ 76.2 M	USA
United Bankshares UBSI	16.8 M	$ 48.94	0.55 %	$ 6.88 B	USA
UMB Financial Corporation UMBF	142 M	$ 134.24	-0.94 %	$ 9.83 B	USA
Unity Bancorp UNTY	1.4 M	$ 58.18	0.07 %	$ 584 M	USA
Texas Capital Bancshares TCBI	52.2 M	$ 90.58	0.41 %	$ 4.13 B	USA
Univest Financial Corporation UVSP	469 K	$ 42.26	0.28 %	$ 1.19 B	USA
Capstar Financial Holdings CSTR	2.82 M	-	-	$ 425 M	USA
Valley National Bancorp VLY	38.1 M	$ 14.07	0.04 %	$ 7.87 B	USA
HMN Financial HMNF	1.2 M	-	-2.13 %	$ 122 M	USA
Westamerica Bancorporation WABC	7.25 M	$ 61.88	0.81 %	$ 1.59 B	USA
HarborOne Bancorp HONE	3.73 M	-	-	$ 499 M	USA
Washington Federal WAFD	9.72 M	$ 29.46	-0.05 %	$ 2.36 B	USA
Western Alliance Bancorporation WAL	107 M	$ 75.45	-0.88 %	$ 8.21 B	USA
Woori Financial Group WF	4.26 T	$ 65.87	-1.26 %	$ 48.8 B	South-korea
Citizens & Northern Corporation CZNC	2.36 M	$ 28.21	1.64 %	$ 450 M	USA
WesBanco WSBC	20.2 M	$ 39.08	0.08 %	$ 3.55 B	USA
Waterstone Financial WSBF	2.55 M	$ 19.83	-0.6 %	$ 354 M	USA
WSFS Financial Corporation WSFS	15.3 M	$ 79.58	0.71 %	$ 4.48 B	USA
FNCB Bancorp FNCB	1.29 M	-	-	$ 133 M	USA
West Bancorporation WTBA	4.52 M	$ 30.5	0.18 %	$ 516 M	USA
CBM Bancorp CBMB	145 K	-	0.52 %	$ 61.6 M	USA
CrossFirst Bankshares CFB	9.46 M	-	-	$ 784 M	USA
Zions Bancorporation, National Association ZION	116 M	$ 65.9	-0.45 %	$ 9.69 B	USA
Mid-Southern Bancorp MSVB	189 K	-	1.55 %	$ 30.4 M	USA
Evans Bancorp EVBN	1.24 M	-	2.41 %	$ 218 M	USA
Heartland Financial USA HTLF	20.4 M	-	-2.16 %	$ 2.77 B	USA
Brookline Bancorp BRKL	8 M	-	-	$ 974 M	USA
Old Point Financial Corporation OPOF	2.13 M	-	-	$ 213 M	USA
Guaranty Bancshares GNTY	4.31 M	-	-	$ 570 M	USA
American National Bankshares AMNB	3.16 M	-	-	$ 508 M	USA
Professional Holding Corp. PFHD	1.36 M	-	-0.52 %	$ 404 M	USA
Byline Bancorp BY	4.55 M	$ 38.36	-0.1 %	$ 1.72 B	USA