Company Performance - Intercorp Financial Services Inc. (IFS) shares have increased by 13.2% over the past month and reached a new 52-week high of $36.14 [1] - The stock has gained 21.6% since the beginning of the year, outperforming the Zacks Finance sector's 6.3% increase and the Zacks Financial - Miscellaneous Services industry's decline of 2.3% [1] Earnings and Valuation - IFS has a strong record of positive earnings surprises, having met or exceeded earnings consensus estimates in the last four quarters, with the latest EPS reported at $1.06 against a consensus of $0.89 [2] - The stock trades at 8.3 times current fiscal year EPS estimates, below the peer industry average of 11 times, and at 8.9 times trailing cash flow compared to the peer group's average of 10.9 times [6] Style Scores and Zacks Rank - IFS has a Value Score of A, Growth Score of A, and Momentum Score of A, resulting in a combined VGM Score of A [5] - The stock currently holds a Zacks Rank of 2 (Buy), indicating rising earnings estimates [7][8] Industry Comparison - Pagaya Technologies Ltd. (PGY) is a notable peer with a Zacks Rank of 1 (Strong Buy) and strong earnings performance, having beaten consensus estimates by 72.5% [9][10] - Despite the Financial - Miscellaneous Services industry ranking in the bottom 57% of all industries, both IFS and PGY show potential for growth [11]

Core Viewpoint - The article emphasizes the importance of timing and sustainability in short-term investing, highlighting that a solid trend can lead to profitable opportunities if supported by strong fundamentals and positive earnings revisions [1][2]. Group 1: Stock Performance - Intercorp Financial Services Inc. (IFS) has shown a solid price increase of 9.9% over the past 12 weeks, indicating investor confidence in its potential upside [4]. - The stock has also increased by 13.9% in the last four weeks, suggesting that the upward trend is still intact [5]. - IFS is currently trading at 96.8% of its 52-week high-low range, indicating a potential breakout [5]. Group 2: Fundamental Strength - IFS holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. Group 3: Investment Strategy - The "Recent Price Strength" screen is a useful tool for identifying stocks like IFS that have the fundamental strength to maintain their upward trends [3]. - The article suggests that there are several other stocks passing through this screen, providing additional investment opportunities [8].

Group 1 - Intercorp Financial Services (IFS) is highlighted as a stock with a buy rank and strong momentum characteristics, currently holding a Zacks Rank 1 (Strong Buy) [1] - The Zacks Consensus Estimate for Intercorp Financial Services' current year earnings has increased by 1.4% over the last 60 days [1] - The company's shares have gained 9.9% over the last three months, contrasting with the S&P 500's decline of 3.7% [2] Group 2 - Intercorp Financial Services possesses a Momentum Score of A, indicating strong performance in momentum metrics [2]

Buy-side hedge professionals conducting fundamental, income oriented, long term analysis across sectors globally in developed markets. Please shoot us a message or leave a comment to discuss ideas.DISCLOSURE: All of our articles are a matter of opinion, informed as they might be, and must be treated as such. We take no responsibility for your investments but wish you best of luck. Analyst's Disclosure: I/we have a beneficial long position in the shares of IFS either through stock ownership, options, or othe ...

Exhibit 99.1 Intercorp Financial Services Inc. First Quarter 2025 Earnings Lima, Peru, May 8, 2025. Intercorp Financial Services Inc. (Lima Stock Exchange/NYSE: IFS) announced today its unaudited results for the first quarter 2025. These results are reported on a consolidated basis under IFRS in nominal Peruvian soles. Intercorp Financial Services: Strong start of the year Banking: Continued growth in commercial banking loans Insurance: Net profit of S/ 92.4 million in 1Q25 Wealth Management: Continued grow ...

Core Viewpoint - The article emphasizes the importance of timing and sustainability in stock trends for successful short-term investing, highlighting the need for strong fundamentals to maintain momentum in stock prices [1][2]. Group 1: Stock Performance - Intercorp Financial Services Inc. (IFS) has shown a solid price increase of 12.3% over the past 12 weeks, indicating investor confidence in its potential upside [4]. - IFS has maintained a price increase of 1.5% over the last four weeks, suggesting that the upward trend is still intact [5]. - The stock is currently trading at 92.7% of its 52-week high-low range, indicating a potential breakout [5]. Group 2: Fundamental Strength - IFS holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, which are critical for near-term price movements [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term performance [7]. Group 3: Investment Strategy - The "Recent Price Strength" screen is a useful tool for identifying stocks like IFS that are on an uptrend supported by strong fundamentals [3]. - The article suggests that there are multiple stocks passing through the "Recent Price Strength" screen, encouraging investors to explore these options [8].

Core Viewpoint - Intercorp Financial Services Inc. has filed its Annual Report on Form 20-F for the fiscal year ended December 31, 2024, fulfilling its reporting obligations with the SEC and NYSE [1]. Financial Reporting - The 2024 Annual Report includes audited consolidated financial statements prepared in accordance with International Financial Reporting Standards (IFRS) and an auditor's opinion on the company's internal control over financial reporting [2]. Accessibility of the Report - The 2024 Annual Report can be accessed on the SEC's website and IFS' website under the "Investor Relations" section. Shareholders can request a hard copy of the report free of charge [3]. Company Overview - Intercorp Financial Services Inc. is incorporated in Panama and has securities listed on both the Lima Stock Exchange and the New York Stock Exchange. It is a leading provider of financial services in Peru through its subsidiaries, including Banco Internacional del Perú (Interbank), Interseguro, Inteligo Group, and Izipay [5]. - Interbank offers general banking services to retail and commercial customers, while Interseguro provides various insurance products. Inteligo focuses on wealth management and brokerage services, and Izipay specializes in payment processing [5].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): ☐ Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): ☐ Form 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of April, 2025 Commission File Number 001-38965 INTERCORP FIN ...

Risk Management - Interbank aims for sustainable long-term growth by balancing risk policies and profitability [1483] - The main types of risks managed by Interbank include credit, market, liquidity, and operational risk [1485] - Interbank employs a Statistical Rating System to classify companies based on their expected default probability, focusing on those with at least S/3.0 million in annual sales [1498] - The Watchlist System categorizes clients with potential risks into four categories, including surveillance and guarantee [1501] - Interbank's risk management tools for small business banking include collection scores to define collection strategies during the early stages of default [1508] - The Non-Performing Assets Monitoring System helps evaluate overdue companies and focus recovery efforts on high-risk loans [1502] - Interbank's operational risk management follows Basel standards and is integrated into its digital transformation process, aiming for sustainable and efficient risk management [1537] - Interseguro employs a three-step process to mitigate credit risk, including regulatory limits on investment types and minimum credit ratings [1542] - The company has established a risk management structure that includes key risk indicators (KRI) monitored by senior management and the Integral Risk Management Committee [1555] - Interseguro's operational risk management aims to reduce operational losses and identify potential process risks [1557] - Inteligo's operational risk management follows Basel III regulations, utilizing a standardized approach to identify and mitigate risks [1585] Loan Approval Processes - The approval levels for commercial loans vary significantly, with amounts exceeding U.S.$70 million requiring two directors' presence at the committee meeting [1496] - In small business banking, credit approval is determined by cash flow and credit history, with amounts up to U.S.$272,000 requiring only a Risk Manager's approval [1506] - Retail banking approvals utilize a parameterized decision-making system, with credit card approvals requiring a minimum of U.S.$34,538 for the Vice President of Risk Management [1511] - The company has developed a credit risk scorecard system to classify applicants based on leverage ratio, debt service, and collateral quality [1563] Financial Performance - Interbank's total assets as of December 31, 2024, amounted to S/68,785.2 million, with a significant portion in loans net of unearned income totaling S/49,337.9 million [1525] - The total liabilities of Interbank as of December 31, 2024, were S/55,871.8 million, with deposits and obligations constituting S/44,070.9 million [1525] - As of December 31, 2024, Interseguro's Value at Risk (VaR) for its investment portfolio was S/600.6 million, a decrease of 4.9% from S/605.5 million in 2023 [1545] - The investment portfolio increased by more than S/891.5 million from December 31, 2023, despite a decrease in VaR due to the absence of high-risk instruments [1545] - Interseguro's total interest-bearing liabilities amounted to S/14,517.3 million as of December 31, 2024, with a marginal gap of (855.0) million [1549] - The company recorded a 0.01% non-performing loan ratio in its wealth management segment as of December 31, 2024, indicating effective credit risk management [1560] - Interseguro's investment portfolio increased by more than S/1,458.1 million from December 31, 2022, to December 31, 2023, leading to increased exposure to market risk [1546] Risk Exposure and Monitoring - The interest rate risk tracking is reported to the Integral Risk Management Committee, with a marginal gap of (22,527.6) million for December 31, 2024, indicating a substantial exposure [1525] - The accumulated gap for interest rate risk as of December 31, 2024, was (22,527.6) million, reflecting the potential impact of interest rate movements on the valuation of assets and liabilities [1525] - Interbank's liquidity risk is managed by the Vice President of Capital Markets, with oversight from the Integral Risk Management Committee, which defines acceptable risk levels [1534] - The total VaR for Interbank's trading book was S/0.9 million as of December 31, 2024, showing a reduction in risk exposure compared to previous years [1527] - Interbank's foreign exchange position includes both spot and derivative positions, with daily monitoring to manage exposure levels by currency [1532] - The interest rate risk was reduced due to the exit of Interbank's treasury position and a lower net position in forwards, contributing to a decrease in overall risk [1528] - As of December 31, 2024, Inteligo's total Value at Risk (VaR) decreased to S/50.4 million, down S/35.7 million from December 31, 2023, primarily due to improved stock market conditions and easing inflation [1570] - The VaR for interest rate risk decreased to S/9.9 million as of December 31, 2024, a reduction of S/2.8 million compared to the previous year [1570] - The price risk VaR significantly dropped to S/39.6 million as of December 31, 2024, down S/30.8 million from December 31, 2023 [1570] - Inteligo's loan portfolio is monitored monthly by the Risk Unit to ensure early detection of credit performance deviations, maintaining a healthy loan portfolio [1564] - The company has established maximum exposure limits for its investment portfolio, calculated monthly to manage risks associated with individual issuers and investment types [1577] - Inteligo's liquidity risk is low, as most deposits are historically renewed, and over half of the investment portfolio can be easily liquidated [1581] - The average loan term is less than one year, contributing to the stability of funding sources for Inteligo [1581]

Core Insights - IFS has launched a new migration accelerator service aimed at helping SAP customers transition to IFS Cloud, enabling them to leverage Industrial AI for immediate value generation [1][2][3] Group 1: Migration Accelerator Service - The IFS accelerator provides a low-risk approach for SAP customers to modernize their enterprise landscape, allowing them to move away from legacy systems and adopt a multi-vendor, multiplatform digital ecosystem [2][3] - This service is designed to minimize disruption during the migration process, offering a structured path that reduces costs, time, and potential challenges associated with enterprise software migrations [3][4] Group 2: Business Value and ROI - IFS has a proven track record, having assisted hundreds of companies in migrating to IFS Cloud, with a focus on automating workflows and integrating AI to enhance operational efficiency and reduce costs [5] - A recent IDC study indicates that IFS customers achieve an 11-month payback on investment and a 414% ROI over three years when utilizing IFS Cloud [5]