Intercorp Financial Services Inc. - Understand $ifs stock

$IFS Market Cap: $3.213 Billion

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$1.097B

TTM

Current Assets

Current Liabilities

$7.501B

Q3 2024

Current Ratio

Total Assets

$95.56B

Q3 2024

Total Liabilities

$85.10B

Q3 2024

Book Value

$10.46B

Q3 2024

Cash

P/E

2.928

Nov 29, 2024 EST

Free Cash Flow

$3.452B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$379.0M	$336.2M	$280.0M	$269.0M	$262.0M	$165.0M	$145.0M	$130.0M	$111.0M	$105.0M	$96.00M	$86.00M	$104.0M	$94.00M	$70.00M	$60.00M	$54.00M	$40.00M
YoY Change	12.73%	20.08%	4.09%	2.67%	58.79%	13.79%	11.54%	17.12%	5.71%	9.38%	11.63%	-17.31%	10.64%	34.29%	16.67%	11.11%	35.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020
Interest Expense	$2.592B	$1.662B	$1.058B	$1.192B
YoY Change	55.97%	57.11%	-11.27%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Pretax Income	$1.355B	$2.133B	$2.302B	$310.6M	$1.943B	$1.507B	$1.360B	$1.168B	$1.591B	$1.272B	$1.240B	$978.4M	$925.6M	$697.7M	$657.4M	$345.6M	$390.3M	$268.9M	$195.7M	$84.30M
YoY Change	-36.49%	-7.35%	641.24%	-84.02%	28.97%	10.8%	16.48%	-26.63%	25.15%	2.52%	26.78%	5.7%	32.66%	6.13%	90.22%	-11.45%	45.15%	37.4%	132.15%
Income Tax	$275.6M	$462.5M	$502.1M	-$72.90M	$493.3M	$415.5M	$326.5M	$333.9M	$352.6M	$309.1M	$265.8M	$213.4M	$223.3M	$195.4M	$147.4M	$94.30M	$105.2M	$68.10M	$49.50M	$16.90M
% Of Pretax Income	20.34%	21.68%	21.81%	-23.47%	25.38%	27.57%	24.01%	28.6%	22.16%	24.31%	21.43%	21.81%	24.12%	28.01%	22.42%	27.29%	26.95%	25.33%	25.29%	20.05%
Net Earnings	$1.073B	$1.661B	$1.790B	$383.3M	$1.441B	$1.084B	$1.027B	$828.1M	$1.232B	$949.1M	$970.2M	$760.9M	$698.5M	$499.1M	$506.5M	$249.4M	$277.8M	$187.9M	$132.4M	$71.50M
YoY Change	-35.4%	-7.24%	367.05%	-73.41%	32.92%	5.54%	24.07%	-32.77%	29.79%	-2.17%	27.51%	8.93%	39.95%	-1.46%	103.09%	-10.22%	47.84%	41.92%	85.17%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$9.33	$14.39	$15.51M	$3.321M	$12.78M	$9.822M	$9.629M	$7.639M	$11.29M	$8.676M	$8.828M	$6.924M	$7.710M	$5.473M	$5.511M	$2.696M	$3.139M	$2.224M	$1.567M	$846.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$804.8M	$791.4M	$815.0M	$844.0M	$951.0M	$623.0M	$613.0M	$590.0M	$579.0M	$577.0M	$574.0M	$447.0M	$444.0M	$482.0M	$535.0M	$520.0M	$432.0M	$397.0M	$397.0M	$403.0M
YoY Change	1.69%	-2.89%	-3.44%	-11.25%	52.65%	1.63%	3.9%	1.9%	0.35%	0.52%	28.41%	0.68%	-7.88%	-9.91%	2.88%	20.37%	8.82%	0.0%	-1.49%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments							$56.00M	$52.00M	$50.00M	$43.00M	$38.00M	$146.0M	$36.00M	$31.00M	$29.00M	$24.00M	$24.00M	$18.00M	$16.00M	$22.00M
YoY Change							7.69%	4.0%	16.28%	13.16%	-73.97%	305.56%	16.13%	6.9%	20.83%	0.0%	33.33%	12.5%	-27.27%
Other Assets	$55.94M	$165.8M	$142.0M	$354.0M	$45.00M	$79.00M	$98.00M	$89.00M	$72.00M	$65.00M	$46.00M	$31.00M	$56.00M	$35.00M		$57.00M	$0.00	$365.0M	$341.0M	$307.0M
YoY Change	-66.26%	16.75%	-59.89%	686.67%	-43.04%	-19.39%	10.11%	23.61%	10.77%	41.3%	48.39%	-44.64%	60.0%				-100.0%	7.04%	11.07%
Total Long-Term Assets
YoY Change
Total Assets	$89.62B	$87.48B	$89.95B	$88.24B	$71.56B	$63.74B	$60.39B	$51.72B	$50.00B	$40.37B	$36.18B	$26.60B	$22.71B	$21.89B	$18.24B	$16.63B	$11.96B	$9.097B	$7.727B	$6.901B
YoY Change
Accounts Payable	$122.5M	$58.81M	$45.00M	$43.00M	$45.00M
YoY Change	108.27%	30.69%	4.65%	-4.44%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$8.903B	$7.101B	$8.478B	$9.618B	$3.935B	$4.293B	$4.407B	$5.329B	$6.192B	$3.141B	$2.762B		$323.0M	$1.431B	$663.0M	$1.986B	$1.153B	$133.0M	$158.0M	$153.0M
YoY Change	25.39%	-16.25%	-11.85%	144.42%	-8.34%	-2.59%	-17.3%	-13.94%	97.13%	13.72%			-77.43%	115.84%	-66.62%	72.25%	766.92%	-15.82%	3.27%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$9.026B	$7.101B	$45.00M	$43.00M	$45.00M	$4.293B	$4.407B	$5.329B	$6.192B	$3.141B	$2.762B		$323.0M	$1.431B	$663.0M	$1.986B	$1.153B	$133.0M	$158.0M	$153.0M
YoY Change	27.11%	15679.21%	4.65%	-4.44%	-98.95%	-2.59%	-17.3%	-13.94%	97.13%	13.72%			-77.43%	115.84%	-66.62%	72.25%	766.92%	-15.82%	3.27%
Long-Term Debt	$5.552B	$7.906B	$8.390B	$7.779B	$6.890B	$6.497B	$5.602B	$4.769B	$4.925B	$4.565B	$3.425B	$5.891B	$4.025B	$3.920B	$1.952B	$1.354B	$478.0M	$478.0M	$721.0M	$569.0M
YoY Change	-29.78%	-5.77%	7.85%	12.9%	6.05%	15.98%	17.47%	-3.17%	7.89%	33.28%	-41.86%	46.36%	2.68%	100.82%	44.17%	183.26%	0.0%	-33.7%	26.71%
Other Long-Term Liabilities	$15.65B	$13.79B	$14.59B	$14.66B	$13.53B	$12.18B	$11.91B	$6.189B	$5.931B	$4.965B	$4.098B	$3.235B	$2.829B	$2.404B	$2.038B	$1.497B	$1.617B	$1.738B	$1.528B	$1.168B
YoY Change	13.54%	-5.49%	-0.52%	8.41%	11.02%	2.3%	92.44%	4.35%	19.46%	21.16%	26.68%	14.35%	17.68%	17.96%	36.14%	-7.42%	-6.96%	13.74%	30.82%
Total Long-Term Liabilities	$21.21B	$21.69B	$22.98B	$22.44B	$20.42B	$18.68B	$17.51B	$10.96B	$10.86B	$9.530B	$7.523B	$9.126B	$6.854B	$6.324B	$3.990B	$2.851B	$2.095B	$2.216B	$2.249B	$1.737B
YoY Change	-2.25%	-5.59%	2.38%	9.92%	9.29%	6.68%	59.81%	0.94%	13.91%	26.68%	-17.57%	33.15%	8.38%	58.5%	39.95%	36.09%	-5.46%	-1.47%	29.48%
Total Liabilities	$79.67B	$77.49B	$80.45B	$79.33B	$62.71B	$56.70B	$54.59B	$46.84B	$45.66B	$36.17B	$32.49B	$23.71B	$20.35B	$19.79B	$16.43B	$15.22B	$10.65B	$8.335B	$7.101B	$6.391B
YoY Change	2.81%	-3.68%	1.41%	26.51%	10.6%	3.85%	16.55%	2.6%	26.21%	11.35%	37.0%	16.51%	2.85%	20.43%	7.93%	42.93%	27.79%	17.38%	11.11%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $3.2129 Billion

About Intercorp Financial Services Inc.

Intercorp Financial Services, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in La Victoria, Lima. The company went IPO on 2007-05-16. The Business is managed in four segments operated through subsidiaries: banking, insurance, wealth management and payments. The banking segment is run through Interbank with strategic focus on retail banking. The insurance segment operates through Interseguro, which is an insurance company with key focus on life and annuities in Peru. The wealth management segment operates through Inteligo Bank, Inteligo SAB and Interfondos, which together provide wealth management, private banking, financing, brokerage, advisory and other investment services focused on emerging investors. The payments are conducted via Izipay, which is a pillar for building payments ecosystem.

Industry: Commercial Banks, NEC Peers: CREDICORP LTD