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Intercorp Financial Services Inc (DE:9IFA)
FRANKFURT:9IFA
Germany Market
9IFA
Intercorp Financial Services
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Intercorp Financial Services (9IFA) Ratios

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Intercorp Financial Services Ratios

DE:9IFA's free cash flow for Q2 2026 was S/.0.64. For the 2026 fiscal year, DE:9IFA's free cash flow was decreased by S/. and operating cash flow was S/.0.54. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.74 2.07 0.06 0.73 0.70
Quick Ratio
 0.74 2.07 0.06 0.73 0.70
Cash Ratio
 0.25 1.89 0.22 0.19 0.26
Solvency Ratio
 0.03 0.03 0.02 0.02 0.03
Operating Cash Flow Ratio
 0.07 0.29 -0.03 0.06 -0.02
Short-Term Operating Cash Flow Coverage
 1.18 0.29 -0.73 1.43 -0.54
Net Current Asset Value
S/. -45.24BS/. -73.55BS/. -81.16BS/. -42.82BS/. -43.54B
Leverage Ratios
Debt-to-Assets Ratio
 0.13 0.13 0.12 0.12 0.12
Debt-to-Equity Ratio
 1.09 1.03 1.08 1.09 1.12
Debt-to-Capital Ratio
 0.52 0.51 0.52 0.52 0.53
Long-Term Debt-to-Capital Ratio
 0.44 0.34 0.46 0.47 0.48
Financial Leverage Ratio
 8.19 8.02 8.75 9.01 9.33
Debt Service Coverage Ratio
 0.53 0.27 0.37 0.32 0.59
Interest Coverage Ratio
 1.16 1.09 0.71 0.54 1.37
Debt to Market Cap
 0.68 0.79 0.92 1.15 1.00
Interest Debt Per Share
 147.15 133.42 123.73 116.39 104.48
Net Debt to EBITDA
 -0.52 0.29 -0.18 0.74 -1.01
Profitability Margins
Gross Profit Margin
64.11%65.27%54.23%49.32%68.08%
EBIT Margin
36.33%25.16%18.58%15.32%29.20%
EBITDA Margin
41.38%29.75%23.25%19.63%33.73%
Operating Profit Margin
29.43%25.24%18.58%15.32%29.20%
Pretax Profit Margin
29.63%25.16%18.58%15.32%29.20%
Net Profit Margin
23.32%19.72%14.68%12.20%22.49%
Continuous Operations Profit Margin
23.35%19.75%15.03%12.18%22.97%
Net Income Per EBT
78.71%78.37%78.99%79.67%77.00%
EBT Per EBIT
100.67%99.69%100.00%100.00%100.00%
Return on Assets (ROA)
1.98%1.84%1.36%1.20%1.91%
Return on Equity (ROE)
16.90%14.75%11.91%10.78%17.80%
Return on Capital Employed (ROCE)
6.32%2.51%4.16%3.46%5.72%
Return on Invested Capital (ROIC)
4.58%1.85%3.17%2.61%4.28%
Return on Tangible Assets
2.01%1.87%1.39%1.22%1.94%
Earnings Yield
10.15%11.45%10.29%11.45%16.17%
Efficiency Ratios
Receivables Turnover
 5.11 4.11 1.62 1.73 1.89
Payables Turnover
 0.00 13.01 9.25 18.82 20.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 8.99 9.55 10.88 10.92 9.37
Asset Turnover
 0.08 0.09 0.09 0.10 0.08
Working Capital Turnover Ratio
 -0.45 -0.40 -0.27 -0.61 -0.42
Cash Conversion Cycle
 71.47 60.81 186.43 191.50 175.15
Days of Sales Outstanding
 71.47 88.86 225.90 210.89 193.40
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 28.05 39.47 19.39 18.25
Operating Cycle
 71.47 88.86 225.90 210.89 193.40
Cash Flow Ratios
Operating Cash Flow Per Share
 39.32 16.39 -15.55 25.00 -8.77
Free Cash Flow Per Share
 34.68 11.70 -16.47 21.28 -11.91
CapEx Per Share
 4.63 4.69 0.92 3.72 3.14
Free Cash Flow to Operating Cash Flow
 0.88 0.71 1.06 0.85 1.36
Dividend Paid and CapEx Coverage Ratio
 3.56 1.97 -3.34 3.06 -0.91
Capital Expenditure Coverage Ratio
 8.49 3.50 -16.97 6.72 -2.79
Operating Cash Flow Coverage Ratio
 0.31 0.14 -0.15 0.26 -0.10
Operating Cash Flow to Sales Ratio
 0.49 0.20 -0.20 0.33 -0.14
Free Cash Flow Yield
18.66%8.22%-14.89%26.12%-13.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.85 8.73 9.72 8.73 6.18
Price-to-Sales (P/S) Ratio
 2.30 1.72 1.43 1.07 1.39
Price-to-Book (P/B) Ratio
 1.60 1.29 1.16 0.94 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
 5.36 12.17 -6.71 3.83 -7.50
Price-to-Operating Cash Flow Ratio
 4.72 8.69 -7.11 3.26 -10.19
Price-to-Earnings Growth (PEG) Ratio
 0.78 0.20 0.44 -0.25 -0.86
Price-to-Fair Value
 1.60 1.29 1.16 0.94 1.10
Enterprise Value Multiple
 5.04 6.08 5.95 6.17 3.11
Enterprise Value
 18.68B 16.70B 12.26B 10.64B 7.79B
EV to EBITDA
 5.04 6.08 5.95 6.17 3.11
EV to Sales
 2.09 1.81 1.38 1.21 1.05
EV to Free Cash Flow
 4.86 12.78 -6.51 4.35 -5.66
EV to Operating Cash Flow
 4.28 9.13 -6.90 3.70 -7.69
Tangible Book Value Per Share
 102.47 96.63 81.47 72.35 67.52
Shareholders’ Equity Per Share
 116.05 110.53 95.51 86.51 81.20
Tax and Other Ratios
Effective Tax Rate
 0.21 0.22 0.19 0.20 0.21
Revenue Per Share
 80.76 82.70 77.50 76.44 64.27
Net Income Per Share
 18.83 16.31 11.38 9.33 14.45
Tax Burden
 0.79 0.78 0.79 0.80 0.77
Interest Burden
 0.82 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
 0.21 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
 2.07 0.94 -1.36 2.66 -0.60
Currency in PEN