Descripción de la empresa
Intercorp Financial Services Inc. operates as a comprehensive financial institution delivering banking, insurance, wealth management, and payment services specifically tailored for retail and commercial clients within Peru. The organization provides a diverse suite of financial products including loans, credit facilities, deposits, current accounts, and life annuity products with single payments, addressing the varied needs of its customer base. This entity functions within the broader Financial Services sector, specifically categorized under the Banks - Regional industry, which characterizes its localized operational scope and regulatory environment. With a market capitalization of $5.29B, an annual revenue of $5.50B, and an employee count of 9229, the company demonstrates substantial scale within the Peruvian banking landscape. The magnitude of these valuation and revenue figures indicates that Intercorp Financial Services Inc. holds a significant position as a major regional player, commanding a substantial asset base and workforce to support its extensive service offerings across the country.
Salud financiera
The company reported a trailing twelve-month revenue of $5.50B, generating a net income of $1.93B, while specific EBITDA figures are not disclosed in the available data. The substantial gap between the $5.50B revenue and the $1.93B net income reveals a highly efficient cost structure where the majority of income flows directly to the bottom line, typical of financial intermediaries with low cost-to-income ratios. Regarding liquidity generation, free cash flow metrics are not provided in the current dataset, preventing a direct assessment of operational cash generation flexibility from this specific line item. The firm maintains a robust balance sheet with $4.56B in cash against $13.16B in total debt, indicating a significant debt load relative to liquid assets. While the debt-to-equity ratio is not explicitly stated in the provided facts, the presence of substantial debt alongside significant cash reserves suggests a leveraged balance sheet common in the banking sector. The current ratio is not available for citation, so a direct quantitative assessment of short-term liquidity relative to current liabilities cannot be made using the provided figures. Profitability efficiency is further highlighted by a return on equity of 16.6% and a return on assets of 2.0%, metrics that collectively reveal strong management effectiveness in deploying capital to generate shareholder value.
Evaluación de valoración
Valuation multiples indicate a trailing P/E ratio of 9.90 and a forward P/E of 8.20, suggesting the market expects earnings growth that would justify a lower multiple in the future compared to historical performance. The price-to-book ratio stands at 1.52, which indicates that the market values the company at a premium of 52% over its book value, reflecting confidence in the quality of its assets and future earnings potential. Alternative valuation metrics show a price-to-sales ratio of 0.96, while the EV/EBITDA multiple is not available in the current data, providing a sales-based perspective on valuation that is often preferred for capital-intensive financial institutions. The stock's trading range over the past year spans a high of $52.58 and a low of $29.09, with the current market price situated within this historical volatility band. The beta value is recorded at 0.77, which signifies that the stock exhibits lower price volatility relative to the broader market, moving with less intensity than the general index.
Growth & Income
Recent performance metrics show a revenue growth rate of 1.1% and an earnings growth rate of -2.8%, indicating that earnings are currently contracting slightly while revenue expands modestly. This divergence implies a potential temporary pressure on profitability margins or one-time adjustments affecting net income that have not yet impacted top-line sales figures. As a dividend payer, the company offers a dividend yield of 2.1% with a payout ratio of 22.0%, a conservative level that suggests the dividend is highly sustainable given the company's robust earnings generation. The low payout ratio allows the firm to retain significant earnings for capital deployment, balance sheet strengthening, or future growth initiatives rather than distributing all profits. Overall, the growth and income profile presents a scenario of stable, albeit slow, revenue expansion coupled with a disciplined approach to capital allocation through a sustainable, low-yield dividend policy.