Intercorp Financial Services (IFS)
NYSE:IFS
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Earnings Data
Report Date
Aug 19, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.46Last Year’s EPS
1.46Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operating quarter with record net income, high ROE, robust revenue growth across segments, materially improved risk-adjusted margins, healthy deposit traction and clear digital/payment ecosystem momentum. Key challenges include macro and weather risks (election uncertainty, inflation and elevated El Niño probability), continued investment-driven expense growth, some QoQ NIM pressure and the expectation that cost of risk will normalize upward as higher-yielding portfolios expand. On balance the operational and financial positives materially outweigh the risks outlined.Company Guidance
Record Quarterly Net Income and Strong ROE
Reported record quarterly net income of PEN 602 million, up 35% year-over-year; return on equity (ROE) at 19.4% (IFS) and Interbank ROE ~19.5%, with management now expecting year-end ROE above 17%.
Revenue Growth Across Businesses
IFS revenues +10% year-over-year; Interbank top line +8% YoY; Interseguro revenues +18% YoY; Intelligo revenues +34% YoY, driven by fee and investment performance.
Improved Risk-Adjusted Margin and Low Cost of Risk
Risk-adjusted NIM increased 90 basis points YoY to 4.2%; quarterly cost of risk at 1.4% (lowest in 4 years); retail cost of risk now below 3%, down ~100 bps versus prior quarter; consumer cost of risk improved from ~7% to below 5% YoY.
Loan and Deposit Franchise Momentum
Total loan portfolio grew ~6% YoY (7% ex-FX); higher-yielding loans +9% YoY; mortgages +8% YoY, market share at 16.2% (gained ~20 bps); small business loans ~+29% YoY; total deposits +8% YoY (9% ex-FX), retail deposits +13%, savings/transactional balances +20%.
Digital and Payments Ecosystem Traction
PLIN reached 2.7 million monthly active users and >70 million monthly transactions (60% to merchants); PLIN WhatsApp ~7k affiliates; transactions per user +44% QoQ; PLIN Credit Card (BNPL) >30k active clients; EasyPay flows up 60% YoY for the segment, contributing to a 40% increase in deposits from EasyPay.
Insurance and Wealth Management Double-Digit Growth
Written premiums +35% YoY (private annuities and life driving growth); contractual service margin +15% YoY; annuities +19% and individual life +17%; Intelligo assets under management +13% YoY to PEN 9.5 billion (including deposits) and fee income +9% YoY.
Strategic Acquisition to Strengthen Consumer Finance
Announced acquisition of Infinance XP (EXP Holding) for $130 million (1.19x P/B) in a 50/50 partnership with InRetail, bringing ~3 million customers, PEN 1.8 billion in loans and PEN 1.5 billion in deposits, and the SIP app combining finance, payments and loyalty.
Funding Mix and Lower Funding Costs
Deposits represent ~82% of funding; cost of funds below 3% and down ~40 bps YoY; deposit pricing and mix improvements led to further QoQ decline in funding costs; efficient commercial deposits +27% YoY.
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 |
|---|---|---|---|
May 11, 2026 | $44.44 | $45.37 | +2.09% |
Feb 11, 2026 | $49.45 | $47.34 | -4.26% |
Nov 06, 2025 | $41.90 | $40.29 | -3.83% |
Aug 11, 2025 | $36.18 | $38.19 | +5.55% |
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 (IFS) report earnings?
Intercorp Financial Services (IFS) is schdueled to report earning on Aug 19, 2026, After Close (Confirmed).
What is Intercorp Financial Services (IFS) earnings time?
Intercorp Financial Services (IFS) earnings time is at Aug 19, 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 (Q2) is 1.46.