Intercorp Financial Services (IFS) Company Report

Analyst Coverage

Research analysts who have asked questions during Intercorp Financial Services earnings calls.

Andrés Soto

Santander Investment Securities Inc.

3 questions for IFS

Also covers: BAP, BCH, CIB

Alonso Aramburú

BTG Pactual

2 questions for IFS

Also covers: BAP, BMA, BSAC +1 more

Ernesto Gabilondo

Bank of America Merrill Lynch

2 questions for IFS

Also covers: BAP, BCH, BMA +4 more

Ernesto María Gabilondo Márquez

Bank of America

2 questions for IFS

Also covers: BAP, BCH, BSAC

Yuri Fernandes

JPMorgan Chase & Co.

2 questions for IFS

Also covers: AVAL, BAP, BBD +13 more

Daniel Mora

Credicorp Capital

1 question for IFS

Also covers: AVAL, BLX, BSAC

Nicolas Pardo Ayala

Credicorp Capital Asset Management

1 question for IFS

Nicolas Riva

Bank of America

1 question for IFS

Also covers: AVAL, BAP, BDORY +2 more

Latest news

Recent press releases and 8-K filings for IFS.

IFS Reports Strong Q3 2025 Results with 81% Accumulated Net Income Growth

IFS

Earnings

Legal Proceedings

Revenue Acceleration/Inflection

Intercorp Financial Services (IFS) reported a strong Q3 2025, with accumulated net income up 81% compared to the same period last year and an accumulated Return on Equity (ROE) of 17.4%, which would have been 18.3% excluding a PEN 78 million provision related to Rutas de Lima.
The company's net income for the quarter was PEN 456 million, achieving an ROE of around 16%.
Higher-yielding loans, particularly in consumer and small business segments, accelerated with 7% year-over-year growth and 3% in the last quarter, contributing to a 40 basis points increase in risk-adjusted Net Interest Margin (NIM) to 3.8%.
All core business segments demonstrated strong performance, with Inteligo's assets under management reaching new record highs of $8.1 billion with double-digit growth, and Interbank contributing approximately 70% of total earnings in the first nine months of the year.
Peru's economy showed positive momentum, with Q3 GDP growth accelerating and the central bank revising its 2025 estimate upward to 3.2%, supported by stable macroeconomic fundamentals including contained inflation near 1.7% and a Peruvian sol that strengthened around 10% this year.

Nov 7, 2025, 2:00 PM

Transcript

Intercorp Financial Services Inc. Reports Strong Q3 2025 Earnings

IFS

Earnings

Dividends

Share Buyback

Intercorp Financial Services Inc. reported a net profit of S/ 456.2 million in Q3 2025, marking a 17.0% increase YoY and an annualized ROE of 15.6%.
The Banking segment's net income grew by 34.3% YoY to S/ 401.2 million in Q3 2025, while Wealth Management's net profit increased by 56.2% YoY to S/ 52.3 million. The Insurance segment's net profit decreased by 43.7% YoY to S/ 37.9 million.
As of Q3 2025, the company's total capital ratio was 15.8% and its Core Equity Tier 1 (CET1) ratio was 12.1%, both significantly exceeding the 10.0% minimum regulatory requirement.
The company distributed dividends of US$1.00 per share in May 2025, charged to 2024 profits, and continues its Share Repurchase Program, holding 4,096,000 shares as of September 30, 2025.