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Intercorp Financial Services Inc (IFS)
NYSE:IFS
US Market
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Intercorp Financial Services (IFS) Ratios

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Intercorp Financial Services Ratios

IFS's free cash flow for Q1 2025 was S/.1.00. For the 2025 fiscal year, IFS's free cash flow was decreased by S/. and operating cash flow was S/.0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.00 9.20 14.22 16.74
Quick Ratio
0.00 0.00 9.20 14.22 16.74
Cash Ratio
0.00 0.00 3.69 6.38 7.77
Solvency Ratio
0.02 0.02 0.03 0.03 <0.01
Operating Cash Flow Ratio
0.00 0.00 -0.29 0.52 5.56
Short-Term Operating Cash Flow Coverage
0.00 1.43 0.00 0.84 0.00
Net Current Asset Value
S/. -84.59BS/. -72.06BS/. -45.01BS/. -43.74BS/. -40.13B
Leverage Ratios
Debt-to-Assets Ratio
0.11 0.12 0.12 0.12 0.11
Debt-to-Equity Ratio
0.98 1.09 1.05 1.12 1.10
Debt-to-Capital Ratio
0.49 0.52 0.51 0.53 0.52
Long-Term Debt-to-Capital Ratio
0.49 0.47 0.46 0.47 0.48
Financial Leverage Ratio
8.77 9.01 8.76 9.46 9.91
Debt Service Coverage Ratio
0.75 -0.06 -0.29 -0.19 0.06
Interest Coverage Ratio
1.41 0.64 2.34 2.32 0.28
Debt to Market Cap
0.67 1.15 0.82 0.82 0.60
Interest Debt Per Share
104.93 116.39 104.48 100.77 94.78
Net Debt to EBITDA
4.70 0.00 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
81.25%100.00%100.00%100.00%100.00%
EBIT Margin
14.52%-9.27%-5.19%-4.70%-4.91%
EBITDA Margin
19.06%0.00%0.00%0.00%0.00%
Operating Profit Margin
24.61%39.16%57.18%38.51%5.67%
Pretax Profit Margin
29.39%32.92%33.47%40.18%6.51%
Net Profit Margin
23.51%26.23%25.73%30.07%7.00%
Continuous Operations Profit Margin
23.92%26.19%26.28%31.74%7.84%
Net Income Per EBT
79.99%79.67%76.87%74.85%107.55%
EBT Per EBIT
119.45%84.07%58.53%104.33%114.83%
Return on Assets (ROA)
1.68%1.20%1.91%1.99%0.43%
Return on Equity (ROE)
15.12%10.78%16.69%18.84%4.30%
Return on Capital Employed (ROCE)
1.76%1.79%4.42%2.62%0.36%
Return on Invested Capital (ROIC)
1.41%1.03%5.37%2.91%0.59%
Return on Tangible Assets
1.71%1.22%1.94%2.01%0.44%
Earnings Yield
10.30%11.45%16.17%14.75%2.84%
Efficiency Ratios
Receivables Turnover
0.00 0.80 3.70 3.57 3.75
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
8.05 5.08 8.19 7.30 6.48
Asset Turnover
0.07 0.05 0.07 0.07 0.06
Working Capital Turnover Ratio
4.06 0.22 0.21 0.17 0.18
Cash Conversion Cycle
0.00 453.55 98.54 102.34 97.40
Days of Sales Outstanding
0.00 453.55 98.54 102.34 97.40
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 453.55 98.54 102.34 97.40
Cash Flow Ratios
Operating Cash Flow Per Share
4.24 25.00 -8.77 11.66 112.55
Free Cash Flow Per Share
2.15 21.28 -11.91 9.43 110.40
CapEx Per Share
1.63 3.72 3.14 2.23 2.15
Free Cash Flow to Operating Cash Flow
0.51 0.85 1.36 0.81 0.98
Dividend Paid and CapEx Coverage Ratio
0.78 3.06 -0.91 1.51 13.73
Capital Expenditure Coverage Ratio
2.60 6.72 -2.79 5.22 52.30
Operating Cash Flow Coverage Ratio
0.04 0.26 -0.10 0.13 1.32
Operating Cash Flow to Sales Ratio
0.07 0.70 -0.16 0.23 2.37
Free Cash Flow Yield
1.53%26.12%-13.33%8.97%94.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.71 8.73 6.18 6.78 35.27
Price-to-Sales (P/S) Ratio
2.33 2.29 1.59 2.04 2.47
Price-to-Book (P/B) Ratio
1.43 0.94 1.03 1.28 1.52
Price-to-Free Cash Flow (P/FCF) Ratio
65.30 3.83 -7.50 11.15 1.06
Price-to-Operating Cash Flow Ratio
32.48 3.26 -10.19 9.02 1.04
Price-to-Earnings Growth (PEG) Ratio
0.41 -0.25 -0.86 0.02 -0.48
Price-to-Fair Value
1.43 0.94 1.03 1.28 1.52
Enterprise Value Multiple
16.93 0.00 0.00 0.00 0.00
Enterprise Value
22.01B 17.77B 7.79B 6.33B 5.17B
EV to EBITDA
16.93 0.00 0.00 0.00 0.00
EV to Sales
3.23 4.34 1.20 1.06 0.94
EV to Free Cash Flow
90.42 7.26 -5.66 5.82 0.41
EV to Operating Cash Flow
45.91 6.18 -7.69 4.70 0.40
Tangible Book Value Per Share
82.47 72.35 72.89 73.74 68.53
Shareholders’ Equity Per Share
96.31 86.51 86.57 82.34 77.16
Tax and Other Ratios
Effective Tax Rate
0.20 0.20 0.21 0.21 -0.20
Revenue Per Share
60.32 35.56 56.17 51.57 47.41
Net Income Per Share
14.18 9.33 14.45 15.51 3.32
Tax Burden
0.80 0.80 0.77 0.75 1.08
Interest Burden
2.02 -3.55 -6.45 -8.55 -1.33
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.30 0.29 0.45 0.46 0.42
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.30 2.66 -0.61 0.75 33.88
Currency in PEN
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