Intercorp Financial Services (IFS) Financial Statements & Analysis

Intercorp Financial Services (IFS) Income Statement

Intercorp Financial Services reported revenue of PEN 5.50B in fiscal 2025 (fiscal year ended Dec 31, 2025), down 15.9% from PEN 6.54B a year earlier. Net income was PEN 1.94B, up 49.5% year over year, a net margin of 35.3%. Gross margin was 109.7% and operating margin 42.4%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was PEN 2.42B, up 30.2% from the same quarter a year earlier.

Intercorp Financial Services Income Statement Analysis

Values in billions PEN

Income Statement Balance Sheet Cash Flow Ratios

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Intercorp Financial Services Inc. income statement - Annual data in billions PEN
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Jan 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	5.50	6.54	8.79	5.89	4.63	6.29	6.09	6.31	5.56	5.09
Cost of Revenue	3.21	4.05	4.46	2.37	-	1.37	3.54	2.13	1.80	1.92
Gross Profit	6.03	4.80	4.34	5.05	-	4.92	2.56	4.17	3.76	3.17
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	1.44	2.53	2.46	2.40	0.97	2.14	1.85	1.92	1.99	1.62
Operating Expenses	3.71	3.16	2.99	2.88	-	2.53	2.20	2.25	2.22	1.82
Operating Income	2.33	1.65	1.35	2.17	-	2.39	0.36	1.93	1.54	1.34
Other Income/Expense
Interest Income	6.49	6.98	7.08	5.79	-	4.50	4.56	4.77	4.26	3.79
Interest Expense	2.13	2.32	2.51	1.53	-	0.99	1.13	1.36	1.14	1.08
Other Income/Expense	-0.01	0.00	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	4.91	1.65	1.35	2.17	2.30	2.39	0.36	1.93	1.54	1.34
Income Tax Expense	0.53	0.31	0.28	0.46	0.50	0.50	-0.07	0.49	0.42	0.33
Net Income	1.94	1.30	1.07	1.67	1.80	1.79	0.38	1.44	1.08	1.03
Net Income - Continuous Operations	1.82	1.33	1.07	1.70	-	1.79	0.38	1.44	1.08	1.03
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-	-
EBITDA	0.45	2.06	1.73	2.50	0.28	2.67	0.63	2.19	1.71	1.49
EBIT	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.42	0.41	0.38	0.34	-	0.28	0.27	0.26	0.16	0.15
Earnings Per Share
Basic EPS	17.00	11.00	9.00	14.00	16.00	16.00	3.00	13.00	10.00	10.00
Diluted EPS	17.00	11.00	9.00	14.00	16.00	16.00	3.00	13.00	10.00	10.00
Basic Shares Outstanding	0.11	0.11	0.12	0.12	0.12	0.12	0.12	0.11	0.11	0.11
Diluted Shares Outstanding	0.11	0.11	0.12	0.12	0.12	0.12	0.12	0.11	0.11	0.11

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Intercorp Financial Services Financial Statements

What was Intercorp Financial Services's revenue in fiscal 2025?

Intercorp Financial Services reported revenue of PEN 5.50B in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 15.9% from PEN 6.54B a year earlier.

Is Intercorp Financial Services profitable?

Yes. Intercorp Financial Services earned net income of PEN 1.94B in fiscal 2025, a net margin of 35.3%. In fiscal 2024 it earned PEN 1.30B.

What is Intercorp Financial Services's operating margin?

Intercorp Financial Services's operating income was PEN 2.33B on revenue of PEN 5.50B in fiscal 2025, an operating margin of 42.4%, compared with 25.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition