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Intercorp Financial Services Inc (IFS)
NYSE:IFS
Earnings Data
Report Date
May 13, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.42Last Year’s EPS
1.08Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive operational and financial momentum: record consolidated net income, strong ROE (noting an 18.5% pro forma excluding a one-off impairment), recovering NIM, low cost of risk, double-digit growth in insurance and wealth management, and clear digital/funding progress. Key risks and offsets include a significant one-off impairment (Ruta de Lima) that reduced reported profitability and introduced volatility, the dampening effect of pension fund withdrawals on near-term loan growth, and an expected gradual rise in cost of risk as higher-yielding loans scale. Management expects the Ruta de Lima effect to be largely behind them and provided constructive 2026 guidance (ROE ~17%, high single-digit loan growth, cost-income ~37%), suggesting confidence in continuing recovery while remaining cautious around political/election-related uncertainty.Company Guidance
Record Net Income and Strong Year-over-Year Growth
Reported net income of 1,900,000,000 for 2025, a 49% increase year-over-year, demonstrating strong consolidated profitability across the platform.
Robust Return on Equity
Reported ROE of 16.8% for 2025; would have been 18.5% excluding the Ruta de Lima impairment, indicating resilient profitability with upside when one-off items are removed.
Bank Record Earnings and NIM Recovery
Interbank delivered record annual earnings (reported as 1,400,000,000–1,500,000,000 in the call) with quarter-end NIM recovery to ~5.3% and full-year NIM reported at 5.2%, supported by higher-yielding loans and improved funding costs.
Improvement in Risk-Adjusted Margins and Low Cost of Risk
Risk-adjusted NIM rose by 50 basis points over the year to 4.0% in the last quarter (accumulated 3.7% for the year, +80 bps vs prior year). Quarterly cost of risk reached a four-year low of 1.8% and full-year cost of risk was 2.3%.
Growth in Higher-Yielding Loans and Consumer Momentum
Higher-yielding loans grew 8% year-over-year; total loan portfolio expanded 4% YoY (6.5% excluding FX). Mortgage balances grew >8% YoY and mortgage market share increased by ~10 basis points to above 16%. Consumer balances accelerated (Q4 QoQ +2.3%, YoY +5%).
Strong Commercial and Small Business Performance
Small business lending disbursements rose 60% YoY and the small business loan book increased ~25% YoY, helping commercial loans (adjusted for FX) grow ~6% and gaining market share.
Insurance and Wealth Management Double-Digit Growth
Interseguro reported written premiums growth of 661% YoY (driven by private annuities) and full-year Interseguro growth ~36%. Inteligo reported strong revenue growth (revenue +68% YoY) and AUM reached $9,100,000,000 (AUM growth ~16% YoY), with fee income up ~15% YoY (18% ex-FX).
Digital Ecosystem and Funding Mix Strength
Retail digital customers increased to 84% (from 81%), monthly active Plin users reached 2.6 million (+33% transactions per user YoY), Yape flows up ~60% YoY and deposits increased (total deposits +5% YoY; +9% ex-FX). Low-cost and efficient funding share rose (efficient funding ~40%), supporting a decline in cost of funds (~20 bps YoY and ~10 bps in the quarter).
Solid Capital and Efficiency Targets
Capital ratios remain sound with total capital ratio ~16% and CET1 ~12.5%. Cost-to-income ratio was ~36.8% for the year; guidance for 2026 targets ROE ~17% and cost-to-income around ~37%.
IFS Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
IFS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 11, 2026 | $51.47 | $49.28 | -4.25% |
Nov 06, 2025 | $43.61 | $41.94 | -3.83% |
Aug 11, 2025 | $37.66 | $39.75 | +5.55% |
May 08, 2025 | $34.54 | $34.36 | -0.52% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Intercorp Financial Services Inc (IFS) report earnings?
Intercorp Financial Services Inc (IFS) is schdueled to report earning on May 13, 2026, After Close (Confirmed).
What is Intercorp Financial Services Inc (IFS) earnings time?
Intercorp Financial Services Inc (IFS) earnings time is at May 13, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is IFS EPS forecast?
IFS EPS forecast for the fiscal quarter 2026 (Q1) is 1.42.