Intercorp Financial Services Reports Record 2025 Net Profit of PEN 1.9 Billion
Intercorp Financial Services Inc. (IFS) announced a record net profit of PEN 1.932 billion (approximately $531.8 million USD as of March 19, 2026) for the full year 2025, representing a 48.6% increase compared to the previous year. This growth was driven by strong performance across its subsidiaries and gains from investment asset valuation, exceeding market expectations.
Key Financial Highlights
- Net Profit: PEN 1.932 billion, a 48.6% year-over-year increase.
- Subsidiary Contribution: Combined profits from Interbank, Intelligo, and Interseguro increased by 43.1% to PEN 1.979 billion.
- Return on Equity (ROE): IFS achieved an ROE of 16.8% for 2025.
- Financial Structure: Total assets increased to PEN 13.398 billion, while total debt decreased by 7.0% and equity capital rose by 13.1%.
Performance of Key Subsidiaries
Interbank
Interbank, IFS’s banking subsidiary, reported a net profit increase of 46.4% to PEN 1.475 billion. This improvement was supported by a decrease in provision for loan losses (down PEN 583.2 million) and increases in net interest income (up PEN 82.6 million), commission income (up PEN 92.8 million), and income from foreign exchange transactions and investment asset valuation (up PEN 167 million). Interbank’s ROE improved to 15.5%, a 3.3 percentage point increase from the prior year.
Interseguro
Interseguro, the insurance division, saw a 36.0% increase in net profit, reaching PEN 274.5 million. This growth was attributed to the expansion of life insurance policyholder debt cancellation, improved performance in disability and survival portfolios, and gains from real estate investment valuations.
Intelligo
Intelligo, the asset management division, recorded a net profit of PEN 231.1 million, a significant 69.7% increase year-over-year. This was driven by gains from its own portfolio investments and increased commission income. Assets Under Management (AUM) increased by 17.2% following the acquisition of Beltria, a high-value asset management company.
Financial Soundness and Outlook
IFS strengthened its financial position with a 13.1% increase in equity capital and a 7.0% reduction in debt. CEO Luis Felipe Castellanos Lopez Torres stated the company will actively adapt to market changes and build a foundation for sustainable growth.
Market Expectations
Analysts predict IFS’s annual sales will reach $2.209 billion in 2026, a 31.5% increase from the previous year. Earnings per share (EPS) are expected to rise to $5.71 in 2026, $5.97 in 2027, and $6.00 in 2028.
Investor Resources
Investors can access the latest information on Intercorp Financial Services through the following resources:
Worth a look