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STOCKS

Intercorp Financial Services (IFS)

NYSE:IFS

IFS

Intercorp Financial Services

RESEARCH TOOLSreports

Intercorp Financial Services (IFS) Ratios

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118 Followers

Intercorp Financial Services Ratios

IFS's free cash flow for Q4 2025 was S/.0.40. For the 2025 fiscal year, IFS's free cash flow was decreased by S/. and operating cash flow was S/.0.48. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	2.07	2.07	0.06	0.73	0.70
Quick Ratio	2.07	2.07	0.06	0.73	0.70
Cash Ratio	1.89	1.89	0.22	0.19	0.26
Solvency Ratio	0.02	0.03	0.02	0.02	0.03
Operating Cash Flow Ratio	0.22	0.53	-0.03	0.06	-0.02
Short-Term Operating Cash Flow Coverage	0.22	0.53	-0.73	1.43	-0.54
Net Current Asset Value	S/. -73.55B	S/. -73.55B	S/. -81.16B	S/. -42.82B	S/. -43.54B
Leverage Ratios
Debt-to-Assets Ratio	0.13	0.13	0.12	0.12	0.12
Debt-to-Equity Ratio	1.03	1.03	1.08	1.09	1.12
Debt-to-Capital Ratio	0.51	0.51	0.52	0.52	0.53
Long-Term Debt-to-Capital Ratio	0.34	0.34	0.46	0.47	0.48
Financial Leverage Ratio	8.02	8.02	8.75	9.01	9.33
Debt Service Coverage Ratio	0.24	0.27	0.37	0.32	0.59
Interest Coverage Ratio	0.96	1.09	0.71	0.54	1.37
Debt to Market Cap	0.69	0.79	0.92	1.15	1.00
Interest Debt Per Share	138.98	133.42	123.73	116.39	104.48
Net Debt to EBITDA	0.30	0.29	-0.18	0.74	-1.01
Profitability Margins
Gross Profit Margin	62.95%	65.27%	54.23%	49.32%	68.08%
EBIT Margin	26.65%	25.16%	18.58%	15.32%	29.20%
EBITDA Margin	29.17%	29.75%	23.25%	19.63%	33.73%
Operating Profit Margin	26.71%	25.24%	18.58%	15.32%	29.20%
Pretax Profit Margin	26.65%	25.16%	18.58%	15.32%	29.20%
Net Profit Margin	20.91%	19.72%	14.68%	12.20%	22.49%
Continuous Operations Profit Margin	20.91%	19.75%	15.03%	12.18%	22.97%
Net Income Per EBT	78.46%	78.37%	78.99%	79.67%	77.00%
EBT Per EBIT	99.77%	99.69%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.91%	1.84%	1.36%	1.20%	1.91%
Return on Equity (ROE)	16.26%	14.75%	11.91%	10.78%	17.80%
Return on Capital Employed (ROCE)	2.61%	2.51%	4.16%	3.46%	5.72%
Return on Invested Capital (ROIC)	1.91%	1.85%	3.17%	2.61%	4.28%
Return on Tangible Assets	1.94%	1.87%	1.39%	1.22%	1.94%
Earnings Yield	10.49%	11.45%	10.29%	11.45%	16.17%
Efficiency Ratios
Receivables Turnover	8.82	9.01	1.62	1.73	1.89
Payables Turnover	0.00	0.00	9.25	18.82	20.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.35	9.55	10.88	10.92	9.37
Asset Turnover	0.09	0.09	0.09	0.10	0.08
Working Capital Turnover Ratio	-1.73	-0.40	-0.27	-0.61	-0.42
Cash Conversion Cycle	41.36	40.51	186.43	191.50	175.15
Days of Sales Outstanding	41.36	40.51	225.90	210.89	193.40
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	39.47	19.39	18.25
Operating Cycle	41.36	40.51	225.90	210.89	193.40
Cash Flow Ratios
Operating Cash Flow Per Share	12.59	29.93	-15.55	25.00	-8.77
Free Cash Flow Per Share	9.80	27.39	-16.47	21.28	-11.91
CapEx Per Share	2.79	2.54	0.92	3.72	3.14
Free Cash Flow to Operating Cash Flow	0.78	0.92	1.06	0.85	1.36
Dividend Paid and CapEx Coverage Ratio	1.83	4.92	-3.34	3.06	-0.91
Capital Expenditure Coverage Ratio	4.51	11.77	-16.97	6.72	-2.79
Operating Cash Flow Coverage Ratio	0.11	0.26	-0.15	0.26	-0.10
Operating Cash Flow to Sales Ratio	0.15	0.36	-0.20	0.33	-0.14
Free Cash Flow Yield	5.92%	19.23%	-14.89%	26.12%	-13.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.54	8.73	9.72	8.73	6.18
Price-to-Sales (P/S) Ratio	2.01	1.72	1.43	1.07	1.39
Price-to-Book (P/B) Ratio	1.46	1.29	1.16	0.94	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	16.89	5.20	-6.71	3.83	-7.50
Price-to-Operating Cash Flow Ratio	13.03	4.76	-7.11	3.26	-10.19
Price-to-Earnings Growth (PEG) Ratio	-11.86	0.20	0.44	-0.25	-0.86
Price-to-Fair Value	1.46	1.29	1.16	0.94	1.10
Enterprise Value Multiple	7.20	6.08	5.95	6.17	3.11
Enterprise Value	19.00B	16.70B	12.26B	10.64B	7.79B
EV to EBITDA	7.20	6.08	5.95	6.17	3.11
EV to Sales	2.10	1.81	1.38	1.21	1.05
EV to Free Cash Flow	17.62	5.46	-6.51	4.35	-5.66
EV to Operating Cash Flow	13.72	5.00	-6.90	3.70	-7.69
Tangible Book Value Per Share	112.86	111.18	81.47	72.35	67.52
Shareholders’ Equity Per Share	112.19	110.53	95.51	86.51	81.20
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.19	0.20	0.21
Revenue Per Share	82.20	82.70	77.50	76.44	64.27
Net Income Per Share	17.19	16.31	11.38	9.33	14.45
Tax Burden	0.78	0.78	0.79	0.80	0.77
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.16	0.11	0.29	0.28	0.32
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.72	1.84	-1.36	2.66	-0.60

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