公司概述
Intercorp Financial Services Inc. operates as a comprehensive financial institution serving retail and commercial clients within Peru, delivering a diversified suite of banking, insurance, wealth management, and payment services. Within the broader financial services sector, the company specifically categorizes under the industry of regional banks, focusing on providing loans, credit facilities, deposits, and current accounts alongside life annuity products. The entity demonstrates significant scale with a market capitalization of $5.72B, annual revenue of $5.50B, and an employee base of 9229 individuals. These valuation and revenue figures indicate that the company holds a substantial position in the Peruvian market, supported by a large workforce that facilitates extensive operations across the country.
财务健康
The company reported revenue of $5.50B over the trailing twelve months, generating net income of $1.93B, while EBITDA data is not available in the current reporting cycle. The substantial gap between the $5.50B revenue and $1.93B net income reveals a cost structure where approximately 64.8% of revenue is absorbed by operating expenses, taxes, and other deductions before reaching the bottom line. Although specific free cash flow figures are not disclosed in the provided data, the company holds cash reserves of $4.56B, which suggests a robust liquidity position capable of meeting immediate obligations without reliance on external financing. The margin profile shows a gross margin of 0.0%, an operating margin of 39.7%, and a profit margin of 35.2%, indicating that the company does not recognize gross profit in the traditional sense likely due to how financial assets are accounted for, but maintains high efficiency in converting revenue to operating and net income. The balance sheet displays total debt of $13.16B against cash of $4.56B, while the debt-to-equity ratio is not explicitly provided in the available facts. Despite the high absolute level of debt, the company's conservative liquidity is further evidenced by the specific financial metrics available, though the current ratio is not listed in the provided data. Return on Equity stands at 16.6% and Return on Assets is 2.0%, metrics that reveal management is highly effective at generating returns for shareholders relative to equity invested, while the ROA reflects the capital-intensive nature of the banking industry where asset bases are large relative to net income.
估值评估
The stock trades with a trailing twelve-month P/E ratio of 10.62 and a forward P/E of 8.71, implying that the market expects earnings growth that would allow the forward multiple to justify a lower valuation relative to historical performance. The price-to-book ratio is 1.65, suggesting the market values the company at a 65% premium over its tangible book value, reflecting confidence in the quality of its assets and franchise value. Alternative valuation metrics include a price-to-sales ratio of 1.04, while the EV/EBITDA multiple is not available in the current dataset. The share price has historically ranged between a 52-week low of $29.09 and a 52-week high of $52.59, providing a context for price volatility and historical trading ranges. The stock exhibits a beta of 0.70, indicating that its price volatility is significantly lower than the broader market, making it a less volatile investment relative to the overall market index.
Growth & Income
Revenue growth for the trailing twelve months stands at 1.1%, while earnings growth is recorded at -2.8%, indicating that earnings are currently shrinking at a faster rate than revenue expansion. For dividend payers, the company offers a dividend yield of 3.5% with a payout ratio of 22.0%, suggesting that the dividend coverage is highly sustainable given that earnings are more than sufficient to cover the distributed dividends. The negative earnings growth contrasts with the positive revenue growth, highlighting a potential divergence in profitability trends that investors must monitor closely regarding operational efficiency. Overall, the growth and income profile presents a mature asset with modest revenue expansion and a consistent, low-risk dividend stream, albeit with a recent contraction in net income.