Intercorp Financial Services (IFS) Balance Sheet: Assets & Liabilities

Intercorp Financial Services (IFS) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Intercorp Financial Services reported total assets of PEN 99.10B and total liabilities of PEN 86.68B. Shareholders' equity was PEN 12.42B, up 13.8% from PEN 10.92B a year earlier. Total debt stood at PEN 14.99B against PEN 12.09B in cash and short-term investments, a net debt position of PEN 2.90B. That puts debt-to-equity at 1.21, compared with 1.07 a year earlier.

Intercorp Financial Services Balance Sheet Analysis

Values in billions PEN

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Intercorp Financial Services Inc. (IFS) - 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
Current Assets
Cash and Cash Equivalents	4.14	12.20	9.60	13.00	17.10	17.13	18.16	9.94	7.58	9.63
Short-Term Investments	22.22	21.18	21.69	17.55	-	18.54	19.53	15.31	14.17	15.46
Cash & Short-Term Investments	12.09	33.38	31.29	30.56	-	35.68	37.69	25.25	21.76	25.09
Accounts Receivable	0.54	0.57	5.08	3.93	-	3.35	3.14	3.26	3.56	5.03
Inventory	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Other Current Assets	-1.22	-35.50	0.42	0.03	-	0.26	0.00	0.01	0.01	0.01
Total Current Assets	13.12	3.36	36.79	34.51	-	39.29	40.84	28.51	25.32	30.13
Non-Current Assets
Property, Plant & Equipment (Net)	0.97	0.81	0.80	0.79	0.82	0.82	0.84	0.95	0.62	0.61
Long-Term Investments	1.54	0.02	47.95	48.30	1.22	49.11	43.34	38.52	34.04	27.06
Goodwill	0.67	0.67	0.67	0.67	-	0.43	0.43	0.43	0.43	0.43
Intangible Assets	1.63	1.00	1.02	0.96	1.04	0.61	0.61	0.55	0.52	0.49
Other Non-Current Assets	2.19	38.41	2.33	2.08	-	-0.45	1.82	2.56	2.73	1.62
Total Non-Current Assets	85.97	92.14	52.83	52.97	-	50.66	47.40	43.05	38.42	30.27
Total Assets	99.10	95.50	89.62	87.48	89.95	89.95	88.24	71.56	63.74	60.39
Current Liabilities
Accounts Payable	0.25	0.44	0.24	0.12	-	0.62	0.24	0.13	0.33	0.18
Short-Term Debt	2.23	2.43	2.02	1.86	-	1.60	1.45	1.57	1.39	1.44
Other Current Liabilities	-0.25	53.11	48.34	47.46	-	57.34	45.18	36.08	31.81	30.95
Total Current Liabilities	6.35	55.98	50.68	49.59	-	59.63	46.91	37.85	33.63	32.64
Non-Current Liabilities
Long-Term Debt	12.76	9.24	8.86	8.61	16.91	8.62	8.36	7.75	7.18	6.27
Deferred Tax Liabilities	0.14	0.14	0.08	0.08	-	0.03	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	71.57	17.67	18.97	18.85	-	12.18	23.46	16.63	15.79	15.59
Total Non-Current Liabilities	80.32	28.54	28.94	28.47	-	21.59	32.37	24.81	23.03	21.91
Total Liabilities	86.68	84.53	79.62	78.06	80.40	81.22	79.28	62.66	56.66	54.56
Stockholders' Equity
Common Stock	1.04	1.04	1.04	1.04	1.04	1.04	1.04	1.04	0.96	0.96
Retained Earnings	11.28	1.44	2.92	2.36	8.10	2.22	1.30	2.15	1.20	1.56
Accumulated Other Comprehensive Income	-0.04	8.11	5.54	5.45	-0.17	4.90	6.04	5.14	4.82	3.47
Treasury Stock	0.47	0.21	0.08	0.00	-	0.00	-	-	-	-
Additional Paid-in Capital	0.53	0.53	0.45	0.53	-	0.53	0.53	0.53	0.06	-0.20
Minority Interest	0.07	0.06	0.06	0.05	-	0.05	0.05	0.05	0.04	0.04
Shares Outstanding	0.11	0.11	0.11	0.12	-	0.12	-	-	-	-
Total Stockholders' Equity	12.42	10.92	9.95	9.37	8.73	8.68	8.91	8.86	7.05	5.80
Total Liabilities & Equity	99.10	95.50	89.62	87.48	-	89.95	88.24	71.56	63.74	60.39

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 Balance Sheet

How much debt does Intercorp Financial Services have?

Intercorp Financial Services had total debt of PEN 14.99B as of Dec 31, 2025, against PEN 12.09B in cash and short-term investments. Its debt-to-equity ratio was 1.21. Total debt was PEN 11.67B a year earlier.

What are Intercorp Financial Services's total assets?

Intercorp Financial Services reported total assets of PEN 99.10B as of Dec 31, 2025, up 3.8% from PEN 95.50B a year earlier. Total liabilities were PEN 86.68B.

What is Intercorp Financial Services's shareholders' equity?

Intercorp Financial Services's shareholders' equity was PEN 12.42B as of Dec 31, 2025, or about PEN 111.83 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition