Core Insights - Achieved record net income of 1.9 billion in 2025, driven by a 49% year-over-year increase and a recovering core banking business [1] - Performance was bolstered by a favorable Peruvian macro environment, including 3.3% GDP growth, a 10% appreciation of the sol, and stable inflation [1] Financial Performance - Interbank's record results were supported by a disciplined decrease in cost of risk and an optimized funding structure, despite liquidity headwinds from pension fund withdrawals [1] - The insurance segment, Interseguro, leveraged synergies with Inteligo to achieve leadership in private annuities while managing the Ruta de Lima impairment [1] Asset Management - Inteligo reached record assets under management through double-digit growth, benefiting from high client trust and consistent engagement in wealth management [1] Strategic Initiatives - Strategic investments in technology and GenAI are being prioritized to enhance digital excellence, cybersecurity, and personalized customer experiences [1] - The payment ecosystem, specifically Plin and Yape, is successfully driving primary banking relationships and capturing low-cost commercial deposits [1]

Core Viewpoint - Intercorp Financial Services Inc. (IFS) will host its Fourth Quarter 2025 earnings conference call on February 12, 2026, at 9:00 a.m. E.T. / 9:00 a.m. Lima Time, following the release of its financial results on February 11, 2026 [1][2]. Company Overview - Intercorp Financial Services Inc. is incorporated under the laws of Panama and has securities listed on both the Lima Stock Exchange and the New York Stock Exchange [4]. - IFS is a leading provider of financial services in Peru, with main subsidiaries including Interbank, Interseguro, and Inteligo [4]. - Interbank offers full-service banking to retail and commercial customers, while Interseguro provides various insurance products, including annuities and life insurance [4]. - Inteligo focuses on wealth management services and brokerage services [4]. Conference Call Details - The conference call will feature presentations from key executives, including the CEO of IFS, the CFO, and CEOs of its subsidiaries [2]. - Access to the conference call is available via specific phone numbers for both U.S. and international participants, with a dedicated conference ID [2]. - A live video webcast will be available, and a replay will be accessible shortly after the call concludes [2]. Quiet Period - IFS has entered a Quiet Period starting January 20, 2026, during which it will not disclose any financial information or comment on its financial results until after the Fourth Quarter 2025 results are published [3].

Core Insights - Intercorp Financial Services Inc. (IFS) is currently rated as a Strong Buy with a Zacks Rank of 1, while SoFi Technologies, Inc. (SOFI) holds a Zacks Rank of 3, indicating a Hold status [3] - IFS has demonstrated a stronger improvement in its earnings outlook compared to SOFI, making it a more attractive option for value investors [3][7] Valuation Metrics - IFS has a forward P/E ratio of 8.91, significantly lower than SOFI's forward P/E of 98.77, indicating that IFS may be undervalued [5] - The PEG ratio for IFS is 0.37, while SOFI's PEG ratio stands at 3.73, suggesting that IFS has a better growth-to-price ratio [5] - IFS has a P/B ratio of 1.53 compared to SOFI's P/B of 5.14, further highlighting IFS's relative undervaluation [6] Value Grades - IFS has received a Value grade of B, while SOFI has been assigned a Value grade of F, indicating that IFS is viewed as a more favorable investment based on traditional valuation metrics [6]

Core Points - Intercorp Financial Services Inc. (IFS) will host its Third Quarter 2025 earnings conference call and video webcast presentation on November 07, 2025, at 9:00 a.m. E.T. / 9:00 a.m. Lima Time [1][2] - The company will release its Third Quarter 2025 results on November 06, 2025, after market close [2] - A Quiet Period will commence on October 20, 2025, during which IFS will not disclose any financial information or comment on its financial results or operations [3] Company Overview - Intercorp Financial Services Inc. is incorporated under the laws of Panama and has securities listed on the Lima Stock Exchange and the New York Stock Exchange [4] - IFS is a leading provider of financial services in Peru, with main subsidiaries including Interbank, Interseguro, and Inteligo [4] - Interbank offers full-service banking to retail and commercial customers, while Interseguro provides various insurance products, and Inteligo focuses on wealth management and brokerage services [4]

Core Insights - Intercorp Financial Services Inc. (NYSE:IFS) is a dividend stock that is gaining attention due to its integration of AI technology and customer-centric approach [1][2] - The company is focused on digital excellence and profitable growth through technological investments and collaborations [2][3] Company Overview - Intercorp Financial Services Inc. is a Peru-based financial services provider offering banking, insurance, wealth management, and payment services for retail and commercial clients [4] - The company has a long history, being incorporated in 1897, and is dedicated to enhancing financial well-being [4] Investment Activity - Lingohr Asset Management GmbH has recently acquired 40,535 shares of Intercorp Financial Services, making it the firm's fifth largest holding, valued at approximately $1,532,000 [1] Technological Focus - The company is investing in technology to enhance capacity, AI, user experience, and cybersecurity [3] - The CEO, Luis Felipe Castellanos Lopez-Torres, emphasizes the ambition to become the leading digital platform in Peru, focusing on key businesses and providing a comprehensive suite of services [3]

Core Insights - Intercorp Financial Services Inc. (IFS) is currently more attractive to value investors compared to Brookfield Asset Management (BAM) based on various valuation metrics and earnings estimate revisions [1][3][7] Valuation Metrics - IFS has a forward P/E ratio of 8.74, significantly lower than BAM's forward P/E of 38.52, indicating that IFS is undervalued relative to BAM [5] - The PEG ratio for IFS is 0.36, while BAM's PEG ratio is 2.20, suggesting that IFS has a better growth outlook relative to its valuation [5] - IFS has a P/B ratio of 1.42 compared to BAM's P/B of 11.16, further indicating that IFS is more attractively priced [6] Earnings Estimate Revisions - IFS has a Zacks Rank of 2 (Buy), reflecting positive earnings estimate revisions, while BAM has a Zacks Rank of 4 (Sell), indicating a less favorable earnings outlook [3][7] - The stronger estimate revision activity for IFS suggests a more favorable earnings outlook compared to BAM [7]

Core Insights - Intercorp Financial Services Inc. (IFS) is expected to report second-quarter 2025 results on August 11, with anticipated year-over-year earnings growth driven by higher revenues despite increased provisions for credit losses and expenses [1][10]. Revenue Factors - A significant portion of IFS's revenue comes from spread income, and a recent 25 basis point cut in Peru's benchmark interest rate to 4.50% is expected to support loan demand [3]. - The company is likely to have experienced a decline in deposit costs, contributing to an increase in net interest and similar income, as well as an expansion in net interest margin due to lower deposit repricing [4]. - Strong asset inflows from a decent equity market performance are expected to enhance IFS's assets under management, benefiting its wealth management operations and increasing net fee income from banking services and credit card activity [5][10]. Expense Factors - Higher salaries, employee benefits, and administrative expenses are anticipated to keep the expense base elevated, alongside increased costs related to the company's digitization efforts [6][10]. Earnings Expectations - The consensus estimate for IFS's earnings is $1.07 per share, reflecting a 62.1% increase from the previous year [2][10]. - The company's earnings surprise history shows it has surpassed the Zacks Consensus Estimate in four of the last five quarters, with an average beat of 17.26% [2]. Zacks Model Insights - The quantitative model indicates that IFS lacks the necessary combination of positive Earnings ESP and a Zacks Rank better than 3 (Hold) for a conclusive prediction of an earnings beat this time [7][8].

Core Viewpoint - Intercorp Financial Services Inc. (IFS) is set to host its Second Quarter 2025 earnings conference call on August 12, 2025, following the release of its financial results on August 11, 2025 [1][2]. Group 1: Earnings Conference Call Details - The conference call will feature key executives including Mr. Luis Felipe Castellanos (CEO), Ms. Michela Casassa (CFO), and other CEOs from its subsidiaries [2]. - The call can be accessed via specific phone numbers for both U.S. and international participants, with a dedicated conference ID [2]. - A live video webcast will be available, and a replay will be accessible shortly after the call concludes [2]. Group 2: Corporate Disclosure Policy - IFS will enter a Quiet Period starting July 20, 2025, which will last until the financial results are published, during which no financial information will be disclosed [3]. Group 3: Company Overview - Intercorp Financial Services Inc. is incorporated in Panama and listed on both the Lima Stock Exchange and the New York Stock Exchange [4]. - The company is a leading provider of financial services in Peru, with main subsidiaries including Interbank, Interseguro, and Inteligo [4]. - Interbank offers general banking services, Interseguro provides various insurance products, and Inteligo focuses on wealth management and brokerage services [4].

Group 1: Great Lakes Dredge & Dock (GLDD) - The company is the largest provider of dredging services in the US, focusing on maintaining and deepening shipping channels, land reclamation, and storm damage restoration [1] - It has a Zacks Rank of 1 (Strong Buy) and a 39.1% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [1] - The PEG ratio is 1.05, significantly lower than the industry average of 7.79, and it possesses a Growth Score of A [2] Group 2: Intercorp Financial Services (IFS) - This company provides financial products and services and also carries a Zacks Rank of 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased by 2.6% over the last 60 days [2] - It has a PEG ratio of 0.36 compared to the industry average of 1.51, with a Growth Score of B [2] Group 3: European Wax Center (EWCZ) - The company operates as a personal care franchise offering wax services and proprietary skincare products [3] - It holds a Zacks Rank of 1 and has seen a remarkable 96.8% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [3] - The PEG ratio stands at 0.51, well below the industry average of 3.65, and it has a Growth Score of B [3]

Group 1: BanColombia (CIB) - BanColombia is the largest bank in terms of assets and has the largest market participation in deposit products and loans [1] - The Zacks Consensus Estimate for its current year earnings has increased by 4% over the last 60 days [1] - The company has a dividend yield of 12.4%, significantly higher than the industry average of 3.3% [1] Group 2: Intercorp Financial Services (IFS) - Intercorp Financial Services provides financial products and services [2] - The Zacks Consensus Estimate for its current year earnings has increased by 2.6% over the last 60 days [2] - The company has a dividend yield of 2.5%, compared to the industry average of 0.0% [2] Group 3: Seven and I Holdings Co. (SVNDY) - Seven and I Holdings is a Japan-based holding company focusing on seven business areas including convenience stores and financial services [3] - The Zacks Consensus Estimate for its current year earnings has increased by 18.5% over the last 60 days [3] - The company has a dividend yield of 1.2%, compared to the industry average of 0.0% [3]