_id

6913002fccc777a4e85d78b5

Ticker

IFS

Name

Intercorp Financial Services Inc

Exchange

NYSE

Address

Torre Interbank, Lima, Peru, 13

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.ifs.com.pe

Description

Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company offers loans, credit facilities, deposits, and current accounts; life annuity products with single payment and life insurance products, as well as other retail insurance products; and brokerage and investment management services. It also engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. In addition, the company manages mutual funds and investment funds; and provides investment consultancy and related services. The company was incorporated in 1897 and is headquartered in Lima, Peru. Intercorp Financial Services Inc. (BVL:IFS) is a subsidiary of Intercorp Perú Ltd.

Last Close

41.52

Volume

87118

Current Price

41.415

Change

-0.25289017341041414

Last Updated

2025-12-01T09:13:31.548Z

Image

-

Ipo Date

2019-08-08T00:00:00.000Z

Market Cap

4486360064

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

0.9970000000000001

Sentiment Sources

5

Rating

4.3333

Target Price

48.9626

Strong Buy

1

Buy

2

Hold

0

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

1406541000

Cost Of Revenue

-

Gross Profit

1406541000

Operating Expenses

770073000

Operating Income

636468000

Interest Expense

596799000

Pretax Income

573674000

Net Income

453314000

Eps

4.072645925233813

Dividends Per Share

0

Shares Outstanding

111351705

Income Tax Expense

117498000

EBITDA

702051000

Operating Margin

45.25058281272995

Total Other Income Expense Net

-62794000

Cash

11565775000

Short Term Investments

21723357000

Receivables

5157303000

Inventories

-

Total Current Assets

38709585000

Property Plant Equipment

858145000

Total Assets

97127534000

Payables

609989000

Short Term Debt

2397490000

Long Term Debt

9432499000

Total Liabilities

85176439000

Equity

11881182000

Depreciation

128377000

Change In Working Capital

-1044821999

Cash From Operations

-64921000

Capital Expenditures

23493000

Cash From Investing

565917000

Cash From Financing

-1225069000

Net Change In Cash

-722240000

PE

8.0099

PB

0.38550735524462126

ROE

3.8153947982616545

ROA

0.4667203843556864

FCF

-88414000

Fcf Percent

-0.06285917012017424

Piotroski FScore

2

Health Score

34

Deep Value Investing Score

7.5

Defensive Investing Score

6.5

Dividend Investing Score

3.5

Economic Moat Investing Score

6.3

Garp Investing Score

1

Growth Investing Score

1.5

Momentum Investing Score

4.5

Net Net Investing Score

2.5

Quality Investing Score

4

Value Investing Score

6.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

1406541000

Quarters > 0 > income Statement > cost Of Revenue

-

Quarters > 0 > income Statement > gross Profit

1406541000

Quarters > 0 > income Statement > operating Expenses

770073000

Quarters > 0 > income Statement > operating Income

636468000

Quarters > 0 > income Statement > interest Expense

596799000

Quarters > 0 > income Statement > pretax Income

573674000

Quarters > 0 > income Statement > net Income

453314000

Quarters > 0 > income Statement > eps

4.072645925233813

Quarters > 0 > income Statement > dividends Per Share

0

Quarters > 0 > income Statement > shares Outstanding

111307000

Quarters > 0 > income Statement > income Tax Expense

117498000

Quarters > 0 > income Statement > EBITDA

702051000

Quarters > 0 > income Statement > operating Margin

45.25058281272995

Quarters > 0 > income Statement > total Other Income Expense Net

-62794000

Quarters > 0 > balance Sheet > cash

11565775000

Quarters > 0 > balance Sheet > short Term Investments

21723357000

Quarters > 0 > balance Sheet > receivables

5157303000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

38709585000

Quarters > 0 > balance Sheet > property Plant Equipment

858145000

Quarters > 0 > balance Sheet > total Assets

97127534000

Quarters > 0 > balance Sheet > payables

609989000

Quarters > 0 > balance Sheet > short Term Debt

2397490000

Quarters > 0 > balance Sheet > long Term Debt

9432499000

Quarters > 0 > balance Sheet > total Liabilities

85176439000

Quarters > 0 > balance Sheet > equity

11881182000

Quarters > 0 > cash Flow > net Income

453314000

Quarters > 0 > cash Flow > depreciation

128377000

Quarters > 0 > cash Flow > change In Working Capital

-1044821999

Quarters > 0 > cash Flow > cash From Operations

-64921000

Quarters > 0 > cash Flow > capital Expenditures

23493000

Quarters > 0 > cash Flow > cash From Investing

565917000

Quarters > 0 > cash Flow > cash From Financing

-1225069000

Quarters > 0 > cash Flow > net Change In Cash

-722240000

Quarters > 0 > ratios > PE

4.072645925233813

Quarters > 0 > ratios > PB

0.38550735524462126

Quarters > 0 > ratios > ROE

3.8153947982616545

Quarters > 0 > ratios > ROA

0.4667203843556864

Quarters > 0 > ratios > FCF

-88414000

Quarters > 0 > ratios > Piotroski FScore

2

Quarters > 0 > ratios > fcf Percent

-0.06285917012017424

Quarters > 0 > health Score

34

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

1490274000

Quarters > 1 > income Statement > cost Of Revenue

-

Quarters > 1 > income Statement > gross Profit

1490274000

Quarters > 1 > income Statement > operating Expenses

748388000

Quarters > 1 > income Statement > operating Income

741886000

Quarters > 1 > income Statement > interest Expense

-

Quarters > 1 > income Statement > pretax Income

707492000

Quarters > 1 > income Statement > net Income

577189000

Quarters > 1 > income Statement > eps

5.138535628851988

Quarters > 1 > income Statement > dividends Per Share

420096000

Quarters > 1 > income Statement > shares Outstanding

112325581

Quarters > 1 > income Statement > income Tax Expense

127885000

Quarters > 1 > income Statement > EBITDA

-

Quarters > 1 > income Statement > operating Margin

49.781852196307526

Quarters > 1 > income Statement > total Other Income Expense Net

-34394000

Quarters > 1 > balance Sheet > cash

12226138000

Quarters > 1 > balance Sheet > short Term Investments

21807428000

Quarters > 1 > balance Sheet > receivables

4655299000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

39289571000

Quarters > 1 > balance Sheet > property Plant Equipment

894847000

Quarters > 1 > balance Sheet > total Assets

97592330000

Quarters > 1 > balance Sheet > payables

94873000

Quarters > 1 > balance Sheet > short Term Debt

2696392000

Quarters > 1 > balance Sheet > long Term Debt

9129670000

Quarters > 1 > balance Sheet > total Liabilities

86100730000

Quarters > 1 > balance Sheet > equity

11424934000

Quarters > 1 > cash Flow > net Income

577189000

Quarters > 1 > cash Flow > depreciation

108791000

Quarters > 1 > cash Flow > change In Working Capital

-1427652000

Quarters > 1 > cash Flow > cash From Operations

-813852000

Quarters > 1 > cash Flow > capital Expenditures

69667000

Quarters > 1 > cash Flow > cash From Investing

-804838000

Quarters > 1 > cash Flow > cash From Financing

1135852000

Quarters > 1 > cash Flow > net Change In Cash

-532826000

Quarters > 1 > ratios > PE

5.138535628851988

Quarters > 1 > ratios > PB

0.40457105994222814

Quarters > 1 > ratios > ROE

5.052011679017139

Quarters > 1 > ratios > ROA

0.591428650181833

Quarters > 1 > ratios > FCF

-883519000

Quarters > 1 > ratios > Piotroski FScore

2

Quarters > 1 > ratios > fcf Percent

-0.5928567498325811

Quarters > 1 > health Score

35

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

1264754000

Quarters > 2 > income Statement > cost Of Revenue

791926000

Quarters > 2 > income Statement > gross Profit

1264754000

Quarters > 2 > income Statement > operating Expenses

700463000

Quarters > 2 > income Statement > operating Income

564291000

Quarters > 2 > income Statement > interest Expense

481789000

Quarters > 2 > income Statement > pretax Income

572191000

Quarters > 2 > income Statement > net Income

443563000

Quarters > 2 > income Statement > eps

3.922420501574051

Quarters > 2 > income Statement > dividends Per Share

-

Quarters > 2 > income Statement > shares Outstanding

113084000

Quarters > 2 > income Statement > income Tax Expense

126092000

Quarters > 2 > income Statement > EBITDA

734419000

Quarters > 2 > income Statement > operating Margin

44.61666063123738

Quarters > 2 > income Statement > total Other Income Expense Net

7900000

Quarters > 2 > balance Sheet > cash

4558166000

Quarters > 2 > balance Sheet > short Term Investments

21183160000

Quarters > 2 > balance Sheet > receivables

5481854000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

39536226000

Quarters > 2 > balance Sheet > property Plant Equipment

846835000

Quarters > 2 > balance Sheet > total Assets

95544664000

Quarters > 2 > balance Sheet > payables

438352000

Quarters > 2 > balance Sheet > short Term Debt

2432330000

Quarters > 2 > balance Sheet > long Term Debt

7173534000

Quarters > 2 > balance Sheet > total Liabilities

84589930000

Quarters > 2 > balance Sheet > equity

10891168000

Quarters > 2 > cash Flow > net Income

443563000

Quarters > 2 > cash Flow > depreciation

103875000

Quarters > 2 > cash Flow > change In Working Capital

-964931000

Quarters > 2 > cash Flow > cash From Operations

-54731000

Quarters > 2 > cash Flow > capital Expenditures

60925000

Quarters > 2 > cash Flow > cash From Investing

-199132000

Quarters > 2 > cash Flow > cash From Financing

1013870000

Quarters > 2 > cash Flow > net Change In Cash

728462000

Quarters > 2 > ratios > PE

3.922420501574051

Quarters > 2 > ratios > PB

0.4272642383259536

Quarters > 2 > ratios > ROE

4.072685317130357

Quarters > 2 > ratios > ROA

0.4642467527019615

Quarters > 2 > ratios > FCF

-115656000

Quarters > 2 > ratios > Piotroski FScore

2

Quarters > 2 > ratios > fcf Percent

-0.09144545105214137

Quarters > 2 > health Score

34

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

1348857000

Quarters > 3 > income Statement > cost Of Revenue

-

Quarters > 3 > income Statement > gross Profit

1348857000

Quarters > 3 > income Statement > operating Expenses

605718000

Quarters > 3 > income Statement > operating Income

743139000

Quarters > 3 > income Statement > interest Expense

481789000

Quarters > 3 > income Statement > pretax Income

617186000

Quarters > 3 > income Statement > net Income

487548000

Quarters > 3 > income Statement > eps

4.280421421355254

Quarters > 3 > income Statement > dividends Per Share

427369000

Quarters > 3 > income Statement > shares Outstanding

113901869

Quarters > 3 > income Statement > income Tax Expense

127092000

Quarters > 3 > income Statement > EBITDA

-

Quarters > 3 > income Statement > operating Margin

55.093979569368734

Quarters > 3 > income Statement > total Other Income Expense Net

-125953000

Quarters > 3 > balance Sheet > cash

3363762000

Quarters > 3 > balance Sheet > short Term Investments

21183160000

Quarters > 3 > balance Sheet > receivables

569384000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

3363762000

Quarters > 3 > balance Sheet > property Plant Equipment

814432000

Quarters > 3 > balance Sheet > total Assets

95503781000

Quarters > 3 > balance Sheet > payables

438352000

Quarters > 3 > balance Sheet > short Term Debt

-

Quarters > 3 > balance Sheet > long Term Debt

9242215000

Quarters > 3 > balance Sheet > total Liabilities

84525186001

Quarters > 3 > balance Sheet > equity

10915234999

Quarters > 3 > cash Flow > net Income

487548000

Quarters > 3 > cash Flow > depreciation

101898000

Quarters > 3 > cash Flow > change In Working Capital

-898569000

Quarters > 3 > cash Flow > cash From Operations

-860975000

Quarters > 3 > cash Flow > capital Expenditures

25385000

Quarters > 3 > cash Flow > cash From Investing

-7045000

Quarters > 3 > cash Flow > cash From Financing

-1123682000

Quarters > 3 > cash Flow > net Change In Cash

-2345370000

Quarters > 3 > ratios > PE

4.280421421355254

Quarters > 3 > ratios > PB

0.4294054969755031

Quarters > 3 > ratios > ROE

4.4666743322032625

Quarters > 3 > ratios > ROA

0.5105012543953626

Quarters > 3 > ratios > FCF

-886360000

Quarters > 3 > ratios > Piotroski FScore

2

Quarters > 3 > ratios > fcf Percent

-0.6571193239906084

Quarters > 3 > health Score

34

Annuals > 0 > quarter

2024-12-31

Annuals > 0 > income Statement > revenue

8857318000

Annuals > 0 > income Statement > cost Of Revenue

4053979000

Annuals > 0 > income Statement > gross Profit

4803339000

Annuals > 0 > income Statement > operating Expenses

3157369000

Annuals > 0 > income Statement > operating Income

1645970000

Annuals > 0 > income Statement > interest Expense

2322292000

Annuals > 0 > income Statement > pretax Income

1645970000

Annuals > 0 > income Statement > net Income

1300078000

Annuals > 0 > income Statement > eps

11.375554525011594

Annuals > 0 > income Statement > dividends Per Share

427369000

Annuals > 0 > income Statement > shares Outstanding

114287000

Annuals > 0 > income Statement > income Tax Expense

314365000

Annuals > 0 > income Statement > EBITDA

2059027000

Annuals > 0 > income Statement > operating Margin

18.5831647909672

Annuals > 0 > income Statement > total Other Income Expense Net

-242297000

Annuals > 0 > balance Sheet > cash

12197426000

Annuals > 0 > balance Sheet > short Term Investments

21183160000

Annuals > 0 > balance Sheet > receivables

5481854000

Annuals > 0 > balance Sheet > inventories

-

Annuals > 0 > balance Sheet > total Current Assets

3363762000

Annuals > 0 > balance Sheet > property Plant Equipment

814432000

Annuals > 0 > balance Sheet > total Assets

95503781000

Annuals > 0 > balance Sheet > payables

438352000

Annuals > 0 > balance Sheet > short Term Debt

2432330000

Annuals > 0 > balance Sheet > long Term Debt

9242215000

Annuals > 0 > balance Sheet > total Liabilities

84525186000

Annuals > 0 > balance Sheet > equity

10915235000

Annuals > 0 > cash Flow > net Income

1307461000

Annuals > 0 > cash Flow > depreciation

413057000

Annuals > 0 > cash Flow > change In Working Capital

-189713000

Annuals > 0 > cash Flow > cash From Operations

-1777555000

Annuals > 0 > cash Flow > capital Expenditures

104719000

Annuals > 0 > cash Flow > cash From Investing

-7045000

Annuals > 0 > cash Flow > cash From Financing

4675259000

Annuals > 0 > cash Flow > net Change In Cash

2903155000

Annuals > 0 > ratios > PE

11.375554525011594

Annuals > 0 > ratios > PB

0.4218528716972195

Annuals > 0 > ratios > ROE

11.91067347610931

Annuals > 0 > ratios > ROA

1.361284324439469

Annuals > 0 > ratios > FCF

-1882274000

Annuals > 0 > ratios > Piotroski FScore

2

Annuals > 0 > ratios > fcf Percent

-0.21251060422579385

Annuals > 0 > health Score

38

Annuals > 1 > quarter

2023-12-31

Annuals > 1 > income Statement > revenue

8791488000

Annuals > 1 > income Statement > cost Of Revenue

4455670000

Annuals > 1 > income Statement > gross Profit

4335818000

Annuals > 1 > income Statement > operating Expenses

2989373000

Annuals > 1 > income Statement > operating Income

1346445000

Annuals > 1 > income Statement > interest Expense

2511195000

Annuals > 1 > income Statement > pretax Income

1346445000

Annuals > 1 > income Statement > net Income

1072728000

Annuals > 1 > income Statement > eps

9.32709630299447

Annuals > 1 > income Statement > dividends Per Share

511788000

Annuals > 1 > income Statement > shares Outstanding

115012000

Annuals > 1 > income Statement > income Tax Expense

275596000

Annuals > 1 > income Statement > EBITDA

1725483000

Annuals > 1 > income Statement > operating Margin

15.315325460263383

Annuals > 1 > income Statement > total Other Income Expense Net

-255083000

Annuals > 1 > balance Sheet > cash

9599126000

Annuals > 1 > balance Sheet > short Term Investments

21691447000

Annuals > 1 > balance Sheet > receivables

5079514000

Annuals > 1 > balance Sheet > inventories

422248000

Annuals > 1 > balance Sheet > total Current Assets

36792335000

Annuals > 1 > balance Sheet > property Plant Equipment

804832000

Annuals > 1 > balance Sheet > total Assets

89624779000

Annuals > 1 > balance Sheet > payables

236696000

Annuals > 1 > balance Sheet > short Term Debt

2017309000

Annuals > 1 > balance Sheet > long Term Debt

8770358000

Annuals > 1 > balance Sheet > total Liabilities

79616678000

Annuals > 1 > balance Sheet > equity

9950217000

Annuals > 1 > cash Flow > net Income

1079276000

Annuals > 1 > cash Flow > depreciation

379038000

Annuals > 1 > cash Flow > change In Working Capital

-176247000

Annuals > 1 > cash Flow > cash From Operations

2875192000

Annuals > 1 > cash Flow > capital Expenditures

428033000

Annuals > 1 > cash Flow > cash From Investing

-3532725000

Annuals > 1 > cash Flow > cash From Financing

-3013435000

Annuals > 1 > cash Flow > net Change In Cash

-3633565000

Annuals > 1 > ratios > PE

9.32709630299447

Annuals > 1 > ratios > PB

0.4657017510271384

Annuals > 1 > ratios > ROE

10.780950807404501

Annuals > 1 > ratios > ROA

1.1969100643472717

Annuals > 1 > ratios > FCF

2447159000

Annuals > 1 > ratios > Piotroski FScore

4

Annuals > 1 > ratios > fcf Percent

0.2783554956794572

Annuals > 1 > health Score

60

Annuals > 2 > quarter

2022-12-31

Annuals > 2 > income Statement > revenue

7417721000

Annuals > 2 > income Statement > cost Of Revenue

2367564000

Annuals > 2 > income Statement > gross Profit

5050157000

Annuals > 2 > income Statement > operating Expenses

2884028000

Annuals > 2 > income Statement > operating Income

2166129000

Annuals > 2 > income Statement > interest Expense

1584178000

Annuals > 2 > income Statement > pretax Income

2166129000

Annuals > 2 > income Statement > net Income

1668026000

Annuals > 2 > income Statement > eps

14.452043875305412

Annuals > 2 > income Statement > dividends Per Share

751532000

Annuals > 2 > income Statement > shares Outstanding

115418000

Annuals > 2 > income Statement > income Tax Expense

462537000

Annuals > 2 > income Statement > EBITDA

2502355000

Annuals > 2 > income Statement > operating Margin

29.20208241857573

Annuals > 2 > income Statement > total Other Income Expense Net

-311365000

Annuals > 2 > balance Sheet > cash

13003895000

Annuals > 2 > balance Sheet > short Term Investments

17551826000

Annuals > 2 > balance Sheet > receivables

3930378000

Annuals > 2 > balance Sheet > inventories

45964000

Annuals > 2 > balance Sheet > total Current Assets

34512858000

Annuals > 2 > balance Sheet > property Plant Equipment

791432000

Annuals > 2 > balance Sheet > total Assets

87482089000

Annuals > 2 > balance Sheet > payables

118363000

Annuals > 2 > balance Sheet > short Term Debt

1863482000

Annuals > 2 > balance Sheet > long Term Debt

8498852000

Annuals > 2 > balance Sheet > total Liabilities

78055862000

Annuals > 2 > balance Sheet > equity

9372468000

Annuals > 2 > cash Flow > net Income

1670657000

Annuals > 2 > cash Flow > depreciation

336226000

Annuals > 2 > cash Flow > change In Working Capital

-3646246000

Annuals > 2 > cash Flow > cash From Operations

-1012077000

Annuals > 2 > cash Flow > capital Expenditures

362306000

Annuals > 2 > cash Flow > cash From Investing

-1759400000

Annuals > 2 > cash Flow > cash From Financing

-1276223000

Annuals > 2 > cash Flow > net Change In Cash

-3708535000

Annuals > 2 > ratios > PE

14.452043875305412

Annuals > 2 > ratios > PB

0.49615439817986046

Annuals > 2 > ratios > ROE

17.79708396977189

Annuals > 2 > ratios > ROA

1.9067057257857665

Annuals > 2 > ratios > FCF

-1374383000

Annuals > 2 > ratios > Piotroski FScore

2

Annuals > 2 > ratios > fcf Percent

-0.18528372798060214

Annuals > 2 > health Score

42

Annuals > 3 > quarter

2021-12-31

Annuals > 3 > income Statement > revenue

6294675000

Annuals > 3 > income Statement > cost Of Revenue

1369967000

Annuals > 3 > income Statement > gross Profit

4924708000

Annuals > 3 > income Statement > operating Expenses

2533097000

Annuals > 3 > income Statement > operating Income

2391611000

Annuals > 3 > income Statement > interest Expense

987267000

Annuals > 3 > income Statement > pretax Income

2391611000

Annuals > 3 > income Statement > net Income

1790155000

Annuals > 3 > income Statement > eps

15.510054670374895

Annuals > 3 > income Statement > dividends Per Share

633853000

Annuals > 3 > income Statement > shares Outstanding

115419000

Annuals > 3 > income Statement > income Tax Expense

502112000

Annuals > 3 > income Statement > EBITDA

2671301000

Annuals > 3 > income Statement > operating Margin

37.99419350482749

Annuals > 3 > income Statement > total Other Income Expense Net

-321995000

Annuals > 3 > balance Sheet > cash

17134467000

Annuals > 3 > balance Sheet > short Term Investments

18544993000

Annuals > 3 > balance Sheet > receivables

3352352000

Annuals > 3 > balance Sheet > inventories

26871000

Annuals > 3 > balance Sheet > total Current Assets

39290648000

Annuals > 3 > balance Sheet > property Plant Equipment

815118000

Annuals > 3 > balance Sheet > total Assets

89954787000

Annuals > 3 > balance Sheet > payables

615036000

Annuals > 3 > balance Sheet > short Term Debt

1595405000

Annuals > 3 > balance Sheet > long Term Debt

8389672000

Annuals > 3 > balance Sheet > total Liabilities

81219959000

Annuals > 3 > balance Sheet > equity

8684850000

Annuals > 3 > cash Flow > net Income

1800179000

Annuals > 3 > cash Flow > depreciation

279690000

Annuals > 3 > cash Flow > change In Working Capital

-778584000

Annuals > 3 > cash Flow > cash From Operations

1345804000

Annuals > 3 > cash Flow > capital Expenditures

257810000

Annuals > 3 > cash Flow > cash From Investing

-2325704000

Annuals > 3 > cash Flow > cash From Financing

-861698000

Annuals > 3 > cash Flow > net Change In Cash

-1729608000

Annuals > 3 > ratios > PE

15.510054670374895

Annuals > 3 > ratios > PB

0.5354417761964801

Annuals > 3 > ratios > ROE

20.612388239290258

Annuals > 3 > ratios > ROA

1.9900608513474662

Annuals > 3 > ratios > FCF

1087994000

Annuals > 3 > ratios > Piotroski FScore

3

Annuals > 3 > ratios > fcf Percent

0.1728435542740491

Annuals > 3 > health Score

61

Valuation > metrics > PE

8.0099

Valuation > metrics > PB

0.38550735524462126

Valuation > final Score

90

Valuation > verdict

40.7% Undervalued

Profitability > metrics > ROE

3.8153947982616545

Profitability > metrics > ROA

1.1710639625818773

Profitability > metrics > Net Margin

0.32228992969277115

Profitability > final Score

41

Profitability > verdict

Weak

Risk > metrics > Debt Equity

7.169020641212297

Risk > metrics > Interest Coverage

1.0664696153981492

Risk > final Score

10

Risk > verdict

High

Liquidity > metrics > Current Ratio

12.871107329427737

Liquidity > metrics > Quick Ratio

12.871107329427737

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

90

Prev Valuations > 1

90

Prev Valuations > 2

90

Prev Profitabilities > 0

45

Prev Profitabilities > 1

42

Prev Profitabilities > 2

69

Prev Risks > 0

46

Prev Risks > 1

11

Prev Risks > 2

12

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-12T18:18:19.702Z

Earnings History > 0 > period

2025-12-31

Earnings History > 0 > report Date

2026-02-05

Earnings History > 0 > date

2025-12-31

Earnings History > 0 > before After Market

AfterMarket

Earnings History > 0 > currency

-

Earnings History > 0 > eps Actual

0

Earnings History > 0 > eps Estimate

4.08

Earnings History > 0 > eps Difference

-4.08

Earnings History > 0 > surprise Percent

-100

Earnings History > 1 > period

2025-09-30

Earnings History > 1 > report Date

2025-11-06

Earnings History > 1 > date

2025-09-30

Earnings History > 1 > before After Market

AfterMarket

Earnings History > 1 > currency

-

Earnings History > 1 > eps Actual

5.95

Earnings History > 1 > eps Estimate

3.97

Earnings History > 1 > eps Difference

1.98

Earnings History > 1 > surprise Percent

49.8741

Earnings History > 2 > period

2025-06-30

Earnings History > 2 > report Date

2025-08-10

Earnings History > 2 > date

2025-06-30

Earnings History > 2 > before After Market

AfterMarket

Earnings History > 2 > currency

-

Earnings History > 2 > eps Actual

5.14

Earnings History > 2 > eps Estimate

3.85

Earnings History > 2 > eps Difference

1.29

Earnings History > 2 > surprise Percent

33.5065

Earnings History > 3 > period

2025-03-31

Earnings History > 3 > report Date

2025-05-08

Earnings History > 3 > date

2025-03-31

Earnings History > 3 > before After Market

AfterMarket

Earnings History > 3 > currency

-

Earnings History > 3 > eps Actual

3.92

Earnings History > 3 > eps Estimate

3.27

Earnings History > 3 > eps Difference

0.65

Earnings History > 3 > surprise Percent

19.8777

Earnings History > 4 > period

2024-12-31

Earnings History > 4 > report Date

2025-02-05

Earnings History > 4 > date

2024-12-31

Earnings History > 4 > before After Market

AfterMarket

Earnings History > 4 > currency

-

Earnings History > 4 > eps Actual

4.25

Earnings History > 4 > eps Estimate

3.5

Earnings History > 4 > eps Difference

0.75

Earnings History > 4 > surprise Percent

21.4286

Earnings History > 5 > period

2024-09-30

Earnings History > 5 > report Date

2024-11-13

Earnings History > 5 > date

2024-09-30

Earnings History > 5 > before After Market

BeforeMarket

Earnings History > 5 > currency

PEN

Earnings History > 5 > eps Actual

3.38

Earnings History > 5 > eps Estimate

2.9

Earnings History > 5 > eps Difference

0.48

Earnings History > 5 > surprise Percent

16.5517

Earnings History > 6 > period

2024-06-30

Earnings History > 6 > report Date

2024-08-15

Earnings History > 6 > date

2024-06-30

Earnings History > 6 > before After Market

BeforeMarket

Earnings History > 6 > currency

PEN

Earnings History > 6 > eps Actual

2.48

Earnings History > 6 > eps Estimate

2.11

Earnings History > 6 > eps Difference

0.37

Earnings History > 6 > surprise Percent

17.5355

Earnings History > 7 > period

2024-03-31

Earnings History > 7 > report Date

2024-05-12

Earnings History > 7 > date

2024-03-31

Earnings History > 7 > before After Market

AfterMarket

Earnings History > 7 > currency

PEN

Earnings History > 7 > eps Actual

1.22

Earnings History > 7 > eps Estimate

2.02

Earnings History > 7 > eps Difference

-0.8

Earnings History > 7 > surprise Percent

-39.604

Earnings History > 8 > period

2023-12-31

Earnings History > 8 > report Date

2024-02-13

Earnings History > 8 > date

2023-12-31

Earnings History > 8 > before After Market

BeforeMarket

Earnings History > 8 > currency

PEN

Earnings History > 8 > eps Actual

2.49

Earnings History > 8 > eps Estimate

0.96

Earnings History > 8 > eps Difference

1.53

Earnings History > 8 > surprise Percent

159.375

Earnings History > 9 > period

2023-09-30

Earnings History > 9 > report Date

2023-11-09

Earnings History > 9 > date

2023-09-30

Earnings History > 9 > before After Market

BeforeMarket

Earnings History > 9 > currency

PEN

Earnings History > 9 > eps Actual

1.69

Earnings History > 9 > eps Estimate

2.35

Earnings History > 9 > eps Difference

-0.66

Earnings History > 9 > surprise Percent

-28.0851

Earnings History > 10 > period

2023-06-30

Earnings History > 10 > report Date

2023-08-10

Earnings History > 10 > date

2023-06-30

Earnings History > 10 > before After Market

BeforeMarket

Earnings History > 10 > currency

PEN

Earnings History > 10 > eps Actual

2.85

Earnings History > 10 > eps Estimate

3.42

Earnings History > 10 > eps Difference

-0.57

Earnings History > 10 > surprise Percent

-16.6667

Earnings History > 11 > period

2023-03-31

Earnings History > 11 > report Date

2023-05-09

Earnings History > 11 > date

2023-03-31

Earnings History > 11 > before After Market

AfterMarket

Earnings History > 11 > currency

PEN

Earnings History > 11 > eps Actual

2.3

Earnings History > 11 > eps Estimate

3.46

Earnings History > 11 > eps Difference

-1.16

Earnings History > 11 > surprise Percent

-33.526

Earnings History > 12 > period

2022-12-31

Earnings History > 12 > report Date

2023-02-14

Earnings History > 12 > date

2022-12-31

Earnings History > 12 > before After Market

BeforeMarket

Earnings History > 12 > currency

PEN

Earnings History > 12 > eps Actual

3.47

Earnings History > 12 > eps Estimate

3.97

Earnings History > 12 > eps Difference

-0.5

Earnings History > 12 > surprise Percent

-12.5945

Earnings History > 13 > period

2022-09-30

Earnings History > 13 > report Date

2022-11-10

Earnings History > 13 > date

2022-09-30

Earnings History > 13 > before After Market

BeforeMarket

Earnings History > 13 > currency

PEN

Earnings History > 13 > eps Actual

3.39

Earnings History > 13 > eps Estimate

3.61

Earnings History > 13 > eps Difference

-0.22

Earnings History > 13 > surprise Percent

-6.0942

Earnings History > 14 > period

2022-06-30

Earnings History > 14 > report Date

2022-08-16

Earnings History > 14 > date

2022-06-30

Earnings History > 14 > before After Market

BeforeMarket

Earnings History > 14 > currency

PEN

Earnings History > 14 > eps Actual

2.16

Earnings History > 14 > eps Estimate

3.59

Earnings History > 14 > eps Difference

-1.43

Earnings History > 14 > surprise Percent

-39.8329

Earnings History > 15 > period

2022-03-31

Earnings History > 15 > report Date

2022-05-13

Earnings History > 15 > date

2022-03-31

Earnings History > 15 > before After Market

BeforeMarket

Earnings History > 15 > currency

PEN

Earnings History > 15 > eps Actual

3.47

Earnings History > 15 > eps Estimate

3.48

Earnings History > 15 > eps Difference

-0.01

Earnings History > 15 > surprise Percent

-0.2874

Earnings History > 16 > period

2021-12-31

Earnings History > 16 > report Date

2022-02-11

Earnings History > 16 > date

2021-12-31

Earnings History > 16 > before After Market

BeforeMarket

Earnings History > 16 > currency

PEN

Earnings History > 16 > eps Actual

2.26

Earnings History > 16 > eps Estimate

2.68

Earnings History > 16 > eps Difference

-0.42

Earnings History > 16 > surprise Percent

-15.6716

Earnings History > 17 > period

2021-09-30

Earnings History > 17 > report Date

2021-11-09

Earnings History > 17 > date

2021-09-30

Earnings History > 17 > before After Market

AfterMarket

Earnings History > 17 > currency

PEN

Earnings History > 17 > eps Actual

4.76

Earnings History > 17 > eps Estimate

2.99

Earnings History > 17 > eps Difference

1.77

Earnings History > 17 > surprise Percent

59.1973

Earnings History > 18 > period

2021-06-30

Earnings History > 18 > report Date

2021-08-11

Earnings History > 18 > date

2021-06-30

Earnings History > 18 > before After Market

AfterMarket

Earnings History > 18 > currency

PEN

Earnings History > 18 > eps Actual

3.93

Earnings History > 18 > eps Estimate

3.1

Earnings History > 18 > eps Difference

0.83

Earnings History > 18 > surprise Percent

26.7742

Earnings History > 19 > period

2021-03-31

Earnings History > 19 > report Date

2021-05-11

Earnings History > 19 > date

2021-03-31

Earnings History > 19 > before After Market

AfterMarket

Earnings History > 19 > currency

PEN

Earnings History > 19 > eps Actual

4.56

Earnings History > 19 > eps Estimate

2.44

Earnings History > 19 > eps Difference

2.12

Earnings History > 19 > surprise Percent

86.8852

Earnings History > 20 > period

2020-12-31

Earnings History > 20 > report Date

2021-02-11

Earnings History > 20 > date

2020-12-31

Earnings History > 20 > before After Market

AfterMarket

Earnings History > 20 > currency

PEN

Earnings History > 20 > eps Actual

3.14

Earnings History > 20 > eps Estimate

2.34

Earnings History > 20 > eps Difference

0.8

Earnings History > 20 > surprise Percent

34.188

Earnings History > 21 > period

2020-09-30

Earnings History > 21 > report Date

2020-11-12

Earnings History > 21 > date

2020-09-30

Earnings History > 21 > before After Market

AfterMarket

Earnings History > 21 > currency

PEN

Earnings History > 21 > eps Actual

2.84

Earnings History > 21 > eps Estimate

0.92

Earnings History > 21 > eps Difference

1.92

Earnings History > 21 > surprise Percent

208.6957

Earnings History > 22 > period

2020-06-30

Earnings History > 22 > report Date

2020-08-12

Earnings History > 22 > date

2020-06-30

Earnings History > 22 > before After Market

AfterMarket

Earnings History > 22 > currency

PEN

Earnings History > 22 > eps Actual

-3.18

Earnings History > 22 > eps Estimate

1.37

Earnings History > 22 > eps Difference

-4.55

Earnings History > 22 > surprise Percent

-332.1168

Earnings History > 23 > period

2020-03-31

Earnings History > 23 > report Date

2020-05-12

Earnings History > 23 > date

2020-03-31

Earnings History > 23 > before After Market

AfterMarket

Earnings History > 23 > currency

PEN

Earnings History > 23 > eps Actual

1.24

Earnings History > 23 > eps Estimate

2.96

Earnings History > 23 > eps Difference

-1.72

Earnings History > 23 > surprise Percent

-58.1081

Earnings History > 24 > period

2019-12-31

Earnings History > 24 > report Date

2020-02-14

Earnings History > 24 > date

2019-12-31

Earnings History > 24 > before After Market

BeforeMarket

Earnings History > 24 > currency

PEN

Earnings History > 24 > eps Actual

3.82

Earnings History > 24 > eps Estimate

2.9

Earnings History > 24 > eps Difference

0.92

Earnings History > 24 > surprise Percent

31.7241

Earnings History > 25 > period

2019-09-30

Earnings History > 25 > report Date

2019-11-13

Earnings History > 25 > date

2019-09-30

Earnings History > 25 > before After Market

BeforeMarket

Earnings History > 25 > currency

PEN

Earnings History > 25 > eps Actual

3.02

Earnings History > 25 > eps Estimate

3.02

Earnings History > 25 > eps Difference

0

Earnings History > 25 > surprise Percent

0

Earnings History > 26 > period

2019-06-30

Earnings History > 26 > report Date

2019-08-12

Earnings History > 26 > date

2019-06-30

Earnings History > 26 > before After Market

AfterMarket

Earnings History > 26 > currency

PEN

Earnings History > 26 > eps Actual

0.9366

Earnings History > 26 > eps Estimate

0.88

Earnings History > 26 > eps Difference

0.0566

Earnings History > 26 > surprise Percent

6.4318

Earnings History > 27 > period

2019-03-31

Earnings History > 27 > report Date

2019-05-02

Earnings History > 27 > date

2019-03-31

Earnings History > 27 > before After Market

AfterMarket

Earnings History > 27 > currency

PEN

Earnings History > 27 > eps Actual

0.9521

Earnings History > 27 > eps Estimate

-

Earnings History > 27 > eps Difference

0

Earnings History > 27 > surprise Percent

-

Earnings History > 28 > period

2018-12-31

Earnings History > 28 > report Date

2019-02-14

Earnings History > 28 > date

2018-12-31

Earnings History > 28 > before After Market

BeforeMarket

Earnings History > 28 > currency

PEN

Earnings History > 28 > eps Actual

0.7552

Earnings History > 28 > eps Estimate

-

Earnings History > 28 > eps Difference

0

Earnings History > 28 > surprise Percent

-

Earnings History > 29 > period

2018-09-30

Earnings History > 29 > report Date

2018-10-31

Earnings History > 29 > date

2018-09-30

Earnings History > 29 > before After Market

-

Earnings History > 29 > currency

PEN

Earnings History > 29 > eps Actual

2.84

Earnings History > 29 > eps Estimate

3.04

Earnings History > 29 > eps Difference

-0.2

Earnings History > 29 > surprise Percent

-6.5789

Earnings History > 30 > period

2018-06-30

Earnings History > 30 > report Date

2018-07-31

Earnings History > 30 > date

2018-06-30

Earnings History > 30 > before After Market

BeforeMarket

Earnings History > 30 > currency

PEN

Earnings History > 30 > eps Actual

1.83

Earnings History > 30 > eps Estimate

2.8

Earnings History > 30 > eps Difference

-0.97

Earnings History > 30 > surprise Percent

-34.6429

Earnings History > 31 > period

2018-03-31

Earnings History > 31 > report Date

2018-05-10

Earnings History > 31 > date

2018-03-31

Earnings History > 31 > before After Market

AfterMarket

Earnings History > 31 > currency

PEN

Earnings History > 31 > eps Actual

2.63

Earnings History > 31 > eps Estimate

2.77

Earnings History > 31 > eps Difference

-0.14

Earnings History > 31 > surprise Percent

-5.0542

Earnings History > 32 > period

2017-12-31

Earnings History > 32 > report Date

2018-02-15

Earnings History > 32 > date

2017-12-31

Earnings History > 32 > before After Market

BeforeMarket

Earnings History > 32 > currency

PEN

Earnings History > 32 > eps Actual

2.24

Earnings History > 32 > eps Estimate

2.85

Earnings History > 32 > eps Difference

-0.61

Earnings History > 32 > surprise Percent

-21.4035

Earnings History > 33 > period

2017-09-30

Earnings History > 33 > report Date

2017-11-08

Earnings History > 33 > date

2017-09-30

Earnings History > 33 > before After Market

AfterMarket

Earnings History > 33 > currency

PEN

Earnings History > 33 > eps Actual

0.6323

Earnings History > 33 > eps Estimate

0

Earnings History > 33 > eps Difference

0.6323

Earnings History > 33 > surprise Percent

-

Earnings History > 34 > period

2017-06-30

Earnings History > 34 > report Date

2017-08-10

Earnings History > 34 > date

2017-06-30

Earnings History > 34 > before After Market

BeforeMarket

Earnings History > 34 > currency

PEN

Earnings History > 34 > eps Actual

2.02

Earnings History > 34 > eps Estimate

2.3

Earnings History > 34 > eps Difference

-0.28

Earnings History > 34 > surprise Percent

-12.1739

Earnings History > 35 > period

2017-03-31

Earnings History > 35 > report Date

2017-05-10

Earnings History > 35 > date

2017-03-31

Earnings History > 35 > before After Market

AfterMarket

Earnings History > 35 > currency

PEN

Earnings History > 35 > eps Actual

1.48

Earnings History > 35 > eps Estimate

2.13

Earnings History > 35 > eps Difference

-0.65

Earnings History > 35 > surprise Percent

-30.5164

Earnings History > 36 > period

2016-12-31

Earnings History > 36 > report Date

2017-02-15

Earnings History > 36 > date

2016-12-31

Earnings History > 36 > before After Market

BeforeMarket

Earnings History > 36 > currency

PEN

Earnings History > 36 > eps Actual

0.78

Earnings History > 36 > eps Estimate

0

Earnings History > 36 > eps Difference

0.78

Earnings History > 36 > surprise Percent

-

Earnings History > 37 > period

2016-09-30

Earnings History > 37 > report Date

2016-11-09

Earnings History > 37 > date

2016-09-30

Earnings History > 37 > before After Market

AfterMarket

Earnings History > 37 > currency

PEN

Earnings History > 37 > eps Actual

0

Earnings History > 37 > eps Estimate

0

Earnings History > 37 > eps Difference

0

Earnings History > 37 > surprise Percent

-

Earnings History > 38 > period

2015-09-30

Earnings History > 38 > report Date

2015-11-11

Earnings History > 38 > date

2015-09-30

Earnings History > 38 > before After Market

AfterMarket

Earnings History > 38 > currency

PEN

Earnings History > 38 > eps Actual

3.72

Earnings History > 38 > eps Estimate

2.44

Earnings History > 38 > eps Difference

1.28

Earnings History > 38 > surprise Percent

52.459

Earnings History > 39 > period

2015-06-30

Earnings History > 39 > report Date

2015-08-13

Earnings History > 39 > date

2015-06-30

Earnings History > 39 > before After Market

AfterMarket

Earnings History > 39 > currency

PEN

Earnings History > 39 > eps Actual

3.16

Earnings History > 39 > eps Estimate

2.49

Earnings History > 39 > eps Difference

0.67

Earnings History > 39 > surprise Percent

26.9076

Earnings History > 40 > period

2015-03-31

Earnings History > 40 > report Date

2015-04-10

Earnings History > 40 > date

2015-03-31

Earnings History > 40 > before After Market

BeforeMarket

Earnings History > 40 > currency

PEN

Earnings History > 40 > eps Actual

2.37

Earnings History > 40 > eps Estimate

2.14

Earnings History > 40 > eps Difference

0.23

Earnings History > 40 > surprise Percent

10.7477

Earnings History > 41 > period

2014-09-30

Earnings History > 41 > report Date

2014-11-10

Earnings History > 41 > date

2014-09-30

Earnings History > 41 > before After Market

BeforeMarket

Earnings History > 41 > currency

PEN

Earnings History > 41 > eps Actual

2.5

Earnings History > 41 > eps Estimate

2.04

Earnings History > 41 > eps Difference

0.46

Earnings History > 41 > surprise Percent

22.549