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Peru's largest financial group, spanning Interbank retail/commercial banking, insurance and wealth management.
Peru's largest financial group, spanning Interbank retail/commercial banking, insurance and wealth management.
Interbank, the bank, provides most of the income, from the spread between lending and deposit rates, with cards and personal loans playing a notable role; Interseguro earns from annuity and life policies and invests the premiums. The Rodriguez Pastor family's Intercorp group controls it and also owns Peruvian supermarkets, pharmacies and other businesses.
In one line: Peru's version of a large US regional bank holding company..
Moat: narrow (scale, brand, distribution). Leading Peruvian bank/insurer with a large branch and digital network, though Peru's banking market has strong competitors.
Headquarters: Lima, Peru · Founded: 1897
Size Intercorp Financial Services (IFS) is a United States Financials company (Regional Banks) with a market value of $5.38B, the 1132nd largest of 3,117 United States companies the cockpit tracks. Shares closed at $46.59 on 6 Nov 2026.
Performance Over six months the shares gained 4.3%, against +5.3% for the median peer and -1.1% for the United States market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 9.2% over the last twelve months (peer median +4.0%); the operating margin is 33.8% (peer median 44.1%).
Valuation It trades at 1.36× book value against a peer median of 1.23× (6th most expensive of 21).
Price implies The share price implies a return on equity of about 10.5%; Intercorp Financial Services delivers 17.4%, so the price asks less than the business earns today.
Short interest Short interest is 0.2% of the free float (15 Oct 2026).
Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $3.02B | $2.83B | $2.60B | $2.59B | $2.13B |
| Revenue growth | — | +9% | 0% | +22% | — |
| Net income | $610M | $542M | $346M | $287M | $435M |
| Free cash flow | $1.30B | $938M | $1.09B | $853M | $854M |
| Capital expenditure | $156M | $147M | $93.2M | $114M | $94.4M |
| Total debt | $4.10B | $3.82B | $3.61B | $3.93B | $3.92B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Intercorp Financial Services IFS | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% |
| Credicorp BAP | $27.6B | +5% | +24% | 21% | 2.47× | 17.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | IFS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -12.1% | +3.2% | 5th lowest of 21 |
| 6-month return | +4.3% | +5.3% | 10th lowest of 21 |
| Return on equity | 17.4% | 10.5% | 2nd highest of 21 |
| Price / book | 1.36× | 1.23× | 6th most expensive of 21 |
| Trailing P/E | 8.5× | 12.3× | 6th cheapest of 19 |
| ROE the price implies | 10.5% | 8.2% | 5th most demanding of 20 |
| ROE delivered | 17.4% | 10.5% | 2nd highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |