NYSE: IFS - Intercorp Financial Services Inc.

Yield per half year: +31.91%
Dividend yield: +4.52%
Sector: Financials

Reporting Intercorp Financial Services Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд S/.
4.46 4.68 3.16 3.08 3.03 2.58 2.68
Выручка, млрд S/.
4.62 4.48 4.59 4.78 5.37 5.47 5.95 6.48 4.09 6.1
Чистая прибыль, млрд S/.
1.23 0.8281 0.8318 1.08 1.44 0.3833 1.79 1.67 1.07 1.07
EV, млрд S/.
5.55 3.99 -5.48 -3.38 0.2307 10.84 3.71
EBIT, млрд S/.
2.47 2.21 2.24 2.62 1.93 0.3103 2.29 3.71 -0.3735 0.0054
EBITDA, млрд S/.
2.59 2.34 2.39 2.79 2.2 0.5791 2.57 4.04 0.0055 0.0055
Баланс стоимость, млрд S/.
4.35 4.88 5.8 7.05 8.86 8.91 9.5 9.99 9.95 9.95
FCF, млрд S/.
1.76 1.18 3.06 -2.35 1.46 12.75 1.09 -1.37 2.45 2.45
Операционный денежный поток, млрд S/.
1.93 1.4 3.31 -2.15 1.67 12.99 1.35 -1.01 2.88 2.88
Операционная прибыль, млрд S/.
1.59 1.17 2.24 2.62 1.93 0.3103 2.29 3.71 1.6 1.34
Операционные расходы, млрд S/.
2.36 2.55 2.63 2.59 2.71 -5.16 -3.66 -2.78 2.49 2.73
CAPEX, млрд S/.
0.1665 0.2124 0.2452 0.2006 0.2107 0.2484 0.2578 0.3623 0.428 0.428


Balance sheet

IFRS
Reporting Annual Quarterly
2012 2013 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд S/.
9.03 8.5 9.63 7.58 9.94 18.16 16.45 13 2.47 9.6
Short Term Investments S/.
8.07 9.52 15.46 14.17 15.31 19.53 18.54 17.55 21.69 21.69
Long term investments S/.
16.99 17.69 19.15 24.38 24.76 22.95 26.84
Total Receivables S/.
7.54 7.21 8.94 2.66 1.06 1.46 1.67 1.75 5.08 5.08
Total Current Assets S/.
24.63 25.24 34.03 24.42 26.31 39.15 36.66 32.43 7.56 2.47
Чистые активы, млрд S/.
0.5792 0.5898 0.6126 0.6225 0.9509 0.8444 0.8151 0.7914 32.43 0.7914
Активы, млрд S/.
50 51.72 60.59 63.74 71.56 88.24 89.95 87.48 89.62 89.62
Short Term Debt S/.
1.63 1.61 1.44 1.39 1.57 1.45 1.6 1.89 2.01 2.01
Long Term Debt S/.
4.93 4.77 6.37 7.29 7.67 8.06 8.39 7.91 8.77 8.77
Задолженность, млрд S/.
45.54 46.72 54.75 56.66 62.66 79.28 80.4 77.44 79.62 79.62
Чистый долг, млрд S/.
-1.07 -1.27 -1.92 0.9834 -0.6189 -8.35 -5.8 -2.53 8.4 1.28
Долг, млрд S/.
6.55 6.38 7.81 8.68 9.25 9.52 9.99 10.47 10.88 10.78
Interest income S/.
3.81 4.26 4.77 4.7 4.5 5.79 6.95
Расходы на обслуживание долга S/.
0.8906 1.05 1.08 1.12 1.36 1.13 0.9873 1.58 2.51 2.51
Чист. проц. доходы, млрд S/.
2.42 2.62 2.73 3.14 3.41 3.43 3.55 4.21 4.58 1.86
Goodwill S/.
-0.0158 -0.0247 0.6282 0.4329 0.4306 0.4306 0.4306 0.6691 0.6691
Амортизация, млрд S/.
0.1111 0.1301 0.1452 0.1647 0.262 0.2688 0.2797 0.3362 0.379 0.000168
Себестоимость, млрд S/.
2.01 2.01
Товарно материальные запасы S/.
0.0037 0.0224 0.0232 0.0269 0.046 0.4222


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 11.29 12.53 6.37 8.06 3.83 0.92 4.03 14.45 9.33 9.33
Цена акции ао 38.5 41.3 32.35 26.38 23.5 21.95 29.34 32.08 32.08
Число акций ао, млн 108.82 106.93 109.66 110.69 115.45 110.13 115.42 115.42 115.01 115.01
FCF/акцию 16.18 11.07 27.91 -21.24 12.63 115.73 9.43 -11.91 21.28 21.28


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 28.35 16.97 14.34 15.38 16.27 4.3 18.84 17.11 10.76 10.78 10.84
ROA, % 2.46 1.6 1.37 1.7 2.01 0.4344 1.99 1.88 1.21 1.2 3.71
ROIC, % 16.48 11.77 9.61 10.14 11.58 5.87 12.44 10.65 7.64 8.01
ROS, % 18.11 22.69 26.83 7 30.07 25.73 26.23 17.58 17.58 17.58 23.12
ROCE, % 44.19 38.39 36.97 21.73 3.47 23.99 4.42 -0.4172 0.0536 0.0536 -0.57
Ebit margin, % 36.02 5.67 38.51 57.18 -9.13 0.088 0.088
Рентаб EBITDA, % 52.21 51.95 58.28 40.89 10.58 43.21 62.37 0.1353 0.0907 0.0907 33.45
Чистая рентаб, % 26.65 18.49 18.11 22.69 26.83 7 30.07 25.73 26.23 17.58 23.02
Operation Margin, % 48.79 54.83 36.02 5.67 38.51 57.18 39.16 22.01 22.01 22.01 34.35
Чистая процентная маржа, % 22.07 24.08 26.65 18.49 18.11 22.69 26.83 7 30.07 28.71 25.36
Доходность FCF, % -52.77 31.13 402.94 35.28 -45.29 94.79


Coefficients

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
4.11 3.25 8.25 1.72 1.65 2.27 2.27 22.00
P/BV
0.6323 0.5288 0.3551 0.3245 0.2747 0.2433 0.2433 2.50
P/S
0.9325 0.8719 0.5779 0.5181 0.4257 0.5954 0.399 4.83
P/FCF
-1.9 3.21 0.2482 2.83 -2.21 1.05 1.1 1.1 1.1 7.77
E/P
0.2433 0.3077 0.1212 0.5804 0.5496 0.4155 0.4003 0.4003 0.4003 1.16
EV/EBITDA
-0.8049 1.99 1.82 -9.47 -1.31 0.057 1957.62 670.49 29.48
EV/EBIT
2.08 -14.87 -1.19 0.0622 -29.01 691.46 691.46 691.46
EV/S
1.16 0.7431 -1 -0.5673 0.0356 2.65 0.6082 0.6082 0.6082 5.45
EV/FCF
-2.36 2.74 -0.4303 -3.1 -0.1678 4.43 1.52 1.52 1.52 11.12
Debt/EBITDA
3.27 3.12 4.21 16.43 3.88 2.59 1964.85 1948.5 1948.5 1948.5 -6.06
Netdebt/Ebitda
-0.8049 0.3531 -0.2818 -14.42 -2.26 -0.6254 1517.73 230.6 230.6 230.6 -6.58
Debt/Ratio
0.1289 0.1362 0.1292 0.1079 0.111 0.1197 0.1213 0.1203 0.1203 0.1203 0.19
Debt/Equity
1.35 1.23 1.04 1.07 1.05 1.05 1.09 13.63 13.63 13.63 22.00
Debt/Net Income
9.39 8.01 6.41 24.83 5.58 6.28 10.14 10.05 10.05 10.05 20.98
Бета
0.74 0.91 0.79 -0.4767 3.15 -2.49 -2.49 0.94
Индекс Альтмана
0.7067 -0.6388 0.0721 0.1452 0.1072 0.0548 0.5736 0.5736 0.5736 4.38


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.5642 0.4969 0.4758 0.5107 0.6545 0.6982 0.6339 0.5118 0.5118 2.25
Дивиденд
1.4 1.4 1.75 1.75 1.42 1.75 1.18 1 1
Див доход, ао, %
3.48 4.31 6.09 5.31 2.96 5.35 4.52 4.52 2.37
Дивиденды / прибыль, %
45.8 60 57.2 47.1 45.41 182.18 35.41 45.06 47.71 47.71 44.83


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IFRS
Reporting Annual
2021 2022 2023 2024 CAGR 5
Персонал, чел
7610 7378 8076 8333