Intercorp Financial Services Inc.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters.
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and similar income | $6.9B | $7.0B | $7.1B | $5.9B |
| Interest and similar expenses | ($2.3B) | ($2.5B) | ($2.6B) | ($1.7B) |
| Net interest and similar income | $4.6B | $4.5B | $4.5B | $4.2B |
| Impairment loss on loans, net of recoveries | ($1.1B) | ($1.7B) | ($2.0B) | ($830.6M) |
| Loss due to impairment of financial investments | ($263.8M) | ($47.5M) | ($7.5M) | ($12.8M) |
| Net interest and similar income after impairment loss | $3.2B | $2.8B | $2.5B | $3.4B |
| Fee income from financial services, net | $1.2B | $1.1B | $1.2B | $1.1B |
| Net gain on foreign exchange transactions | $409.7M | $433.7M | $306.4M | $380.2M |
| Net gain (loss) on sale of financial investments | $102.1M | $26.5M | $6.4M | ($60.4M) |
| Net gain on financial assets at fair value through profit or loss | $362.0M | $82.0M | — | — |
| Net gain on investment property | $182.6M | $128.2M | $73.1M | $84.6M |
| Other income | $141.5M | $121.2M | $156.7M | $400.2M |
| Other operating income | $2.4B | $1.9B | $1.7B | $1.7B |
| Result from insurance activities | ($47.8M) | ($169.8M) | ($178.4M) | — |
| Salaries and employee benefits | ($1.1B) | ($955.2M) | ($897.3M) | ($852.0M) |
| Administrative expenses | ($1.4B) | ($1.3B) | ($1.3B) | ($1.2B) |
| Depreciation and amortization | ($450.3M) | ($413.1M) | ($379.0M) | ($336.2M) |
| Other expenses | ($160.5M) | ($195.0M) | ($185.0M) | ($315.8M) |
| Operating expense | ($3.2B) | ($2.9B) | ($2.8B) | ($2.7B) |
| Income before exchange difference and Income Tax | $2.4B | $1.6B | $1.3B | $2.2B |
| Exchange difference | $38.0M | ($24.1M) | $8.4M | ($36.8M) |
| Income Tax | ($530.3M) | ($314.4M) | ($275.6M) | ($462.5M) |
| IFS's shareholders | $1.9B | $1.3B | $1.1B | $1.7B |
| Non-controlling interest | $10.7M | $7.4M | $6.5M | $10.1M |
| Net profit for the year | $1.9B | $1.3B | $1.1B | $1.7B |
| Earnings per share attributable to IFS's shareholders, basic (stated in Soles) | $17.30 | $11.38 | $9.33 | — |
| Earnings per share attributable to IFS's shareholders, diluted (stated in Soles) | $17.30 | $11.38 | $9.33 | — |
| Weighted average number of outstanding shares (in thousands) | 111.7M | 114.3M | 115.0M | 115.4M |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Non-interest bearing | $3.2B | $4.0B | $3.1B | $4.0B |
| Interest bearing | $9.2B | $8.0B | $6.0B | $8.7B |
| Restricted funds | $1.7B | $619.8M | $720.7M | $468.2M |
| Cash and cash equivalents | $14.0B | $12.6B | $9.8B | $13.2B |
| Inter-bank funds | $40.0M | $220.1M | $524.9M | $296.1M |
| Financial investments | $28.2B | $26.9B | $26.7B | $22.8B |
| Loans, net of unearned interest | $52.4B | $51.0B | $48.9B | $47.5B |
| Impairment allowance for loans | ($1.6B) | ($1.7B) | ($2.3B) | ($2.0B) |
| Loans and receivables | $50.8B | $49.2B | $46.5B | $45.5B |
| Investment property | $1.5B | $1.4B | $1.3B | $1.3B |
| Property, furniture and equipment, net | $967.3M | $814.4M | $804.8M | $791.4M |
| Due from customers on acceptances | $51.3M | $9.2M | $40.6M | $45.8M |
| Intangibles and goodwill, net | $1.6B | $1.7B | $1.7B | $1.6B |
| Other accounts receivable and other assets, net | $1.8B | $2.7B | $2.1B | $1.8B |
| Reinsurance contract assets | $57.2M | $18.6M | $26.3M | — |
| Deferred Income Tax asset, net | $41.9M | $19.2M | $55.9M | $165.8M |
| Total assets | $99.1B | $95.5B | $89.6B | $87.5B |
| Non-interest bearing | $7.8B | $7.6B | $8.0B | $8.7B |
| Interest bearing | $48.3B | $46.2B | $41.2B | $39.8B |
| Total | $56.0B | $53.8B | $49.2B | $48.5B |
| Inter-bank funds | $55.0M | — | $119.7M | $30.0M |
| Due to banks and correspondents | $7.2B | $7.6B | $9.0B | $7.1B |
| Bonds, notes and other obligations | $5.6B | $6.1B | $5.6B | $7.9B |
| Due to customers on acceptances | $51.3M | $9.2M | $40.6M | $45.8M |
| Insurance and reinsurance contract liabilities | $13.1B | $12.5B | $12.2B | — |
| Other accounts payable, provisions and other liabilities | $4.6B | $4.4B | $3.4B | $3.1B |
| Deferred Income Tax liability, net | $136.1M | $140.7M | $75.7M | $81.9M |
| Total liabilities | $86.7B | $84.5B | $79.6B | $77.4B |
| Capital stock | $1.0B | $1.0B | $1.0B | $1.0B |
| Treasury stock | -469.5M | -207.0M | -84.3M | -3.4M |
| Capital surplus | $532.8M | $532.8M | $532.8M | $532.8M |
| Reserves | $9.1B | $8.3B | $6.0B | $6.0B |
| Unrealized results, net | ($36.0M) | ($187.8M) | ($457.8M) | ($613.3M) |
| Retained earnings | $2.2B | $1.4B | $2.9B | $3.0B |
| Equity attributable to owners of parent | $12.3B | $10.9B | $10.0B | $10.0B |
| Non-controlling interest | $73.3M | $63.4M | $57.9M | $54.8M |
| Total equity | $12.4B | $11.0B | $10.0B | $10.0B |
| Total liabilities and equity | $99.1B | $95.5B | $89.6B | $87.5B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net profit for the year | $1.9B | $1.3B | $1.1B | $1.7B |
| Impairment loss on loans, net of recoveries | $1.1B | $1.7B | $2.0B | $830.6M |
| Loss due to impairment of financial investments | $263.8M | $47.5M | $7.5M | $12.8M |
| Depreciation and amortization | $450.3M | $413.1M | $379.0M | $336.2M |
| Provision for sundry risks | $2.6M | $29.3M | $4.1M | $12.7M |
| Deferred Income Tax | ($37.5M) | $100.1M | $102.2M | ($442.0K) |
| Net gain on sale of financial investments | ($102.1M) | ($26.5M) | ($6.4M) | $60.4M |
| Net gain on financial assets at fair value through profit or loss | ($362.0M) | ($82.0M) | ($15.2M) | $262.1M |
| Net gain on valuation of investment property | ($101.1M) | ($60.3M) | ($7.1M) | ($19.1M) |
| Gain on sale of property, furniture and equipment | ($2.1M) | ($12.9M) | ($15.3M) | ($11.8M) |
| Exchange difference | ($38.0M) | $24.1M | ($8.4M) | $36.8M |
| Net increase in loan portfolio | ($2.7B) | ($4.5B) | ($2.9B) | ($3.2B) |
| Net decrease (increase) in other accounts receivable and other assets | $508.9M | ($245.4M) | ($295.7M) | $331.3M |
| Net (increase) decrease in restricted funds | ($1.1B) | $100.9M | ($246.8M) | $225.7M |
| Increase in deposits and obligations | $2.2B | $4.7B | $503.5M | ($467.2M) |
| Decrease (increase) in accrued interest receivable | $22.5M | $58.7M | ($167.5M) | ($168.5M) |
| (Decrease) increase in accrued interest payable | ($68.4M) | ($120.8M) | $194.3M | $121.3M |
| (Decrease) increase in due to banks and correspondents | ($367.3M) | ($1.4B) | $1.8B | ($1.5B) |
| Increase in other accounts payable, provisions and other liabilities | $336.6M | $1.4B | $559.0M | $494.4M |
| Decrease (increase) of investments at fair value through profit or loss | $94.5M | ($125.4M) | $323.1M | $481.1M |
| Income Tax paid | ($305.6M) | ($363.5M) | ($450.1M) | ($334.2M) |
| Net cash provided by operating activities | $1.8B | $2.9B | $2.9B | ($1.0B) |
| (Purchase) sale of investments at fair value through other comprehensive income | ($257.2M) | — | — | — |
| Purchase of investments at amortized cost | ($98.7M) | — | — | — |
| Purchase of property, furniture and equipment | ($301.4M) | ($104.7M) | ($147.6M) | ($135.0M) |
| Purchase of intangible assets | ($222.0M) | ($245.3M) | ($280.4M) | ($227.3M) |
| Purchase of investment property | ($62.7M) | ($61.8M) | ($16.9M) | ($34.8M) |
| Sale of property, furniture and equipment | $3.5M | $45.5M | $32.7M | $54.3M |
| Net cash used in investing activities | ($938.6M) | ($7.0M) | ($3.5B) | ($1.4B) |
| Dividends paid | ($406.8M) | ($427.4M) | ($511.8M) | ($751.5M) |
| Issuance of securities, bonds and obligations in circulation | $1.6B | $1.7B | — | — |
| Payments of bonds, notes and other obligations | ($1.5B) | ($1.3B) | ($2.2B) | ($137.9M) |
| Net decrease (increase) in receivable inter-bank funds | $180.1M | $304.9M | ($228.8M) | ($266.1M) |
| Net increase (decrease) in payable inter-bank funds | $55.0M | ($121.4M) | $91.2M | $30.5M |
| Purchase of treasury stock, net | -262.5M | -122.7M | -80.9M | — |
| Dividend payments to non-controlling interest | ($3.0M) | ($2.9M) | ($4.8M) | ($4.2M) |
| Lease payments | ($83.1M) | ($82.6M) | ($89.3M) | ($147.0M) |
| Net cash used in financing activities | ($397.2M) | ($12.3M) | ($3.0B) | ($1.3B) |
| Net increase (decrease) in cash and cash equivalents | $494.8M | $2.9B | ($3.7B) | ($3.7B) |
| Translation (loss) gain on cash and cash equivalents | ($124.2M) | $12.5M | $37.4M | ($26.7M) |
| Cash and cash equivalents at the beginning of the year | $12.0B | $9.1B | $12.7B | $16.4B |
| Cash and cash equivalents at the end of the year, Note 3.4(ad) | $12.3B | — | — | — |
| Interest | $2.1B | $2.4B | $2.3B | $1.4B |
| Dividends | $423.1M | $430.3M | $516.6M | $755.7M |
| Income Tax | $305.6M | $363.5M | $450.1M | $334.2M |
Intercorp Financial Services Inc. score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.