INTERCORP FIN.SERV. O.N. (9IFA) - Net Assets
Based on the latest financial reports, INTERCORP FIN.SERV. O.N. (9IFA) has net assets worth €12.42 Billion EUR (≈ $14.52 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€99.10 Billion ≈ $115.86 Billion USD) and total liabilities (€86.68 Billion ≈ $101.33 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check tangible equity quality of INTERCORP FIN.SERV. O.N. to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €12.42 Billion |
| % of Total Assets | 12.53% |
| Annual Growth Rate | 9.2% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 2.58 |
INTERCORP FIN.SERV. O.N. - Net Assets Trend (2021–2025)
This chart illustrates how INTERCORP FIN.SERV. O.N.'s net assets have evolved over time, based on quarterly financial data. Explore INTERCORP FIN.SERV. O.N. (9IFA) cash flow conversion to assess how effectively this company generates cash.
Annual Net Assets for INTERCORP FIN.SERV. O.N. (2021–2025)
The table below shows the annual net assets of INTERCORP FIN.SERV. O.N. from 2021 to 2025. For live valuation and market cap data, see market cap of INTERCORP FIN.SERV. O.N..
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €12.42 Billion ≈ $14.52 Billion |
+13.15% |
| 2024-12-31 | €10.98 Billion ≈ $12.84 Billion |
+9.70% |
| 2023-12-31 | €10.01 Billion ≈ $11.70 Billion |
+6.17% |
| 2022-12-31 | €9.43 Billion ≈ $11.02 Billion |
+7.92% |
| 2021-12-31 | €8.73 Billion ≈ $10.21 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to INTERCORP FIN.SERV. O.N.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 1.6% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €2.18 Billion | 17.68% |
| Other Components | €10.17 Billion | 82.32% |
| Total Equity | €12.35 Billion | 100.00% |
INTERCORP FIN.SERV. O.N. Competitors by Market Cap
The table below lists competitors of INTERCORP FIN.SERV. O.N. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tanger Factory Outlet Centers Inc
NYSE:SKT
|
$4.18 Billion |
|
Griffon Corporation
NYSE:GFF
|
$4.18 Billion |
|
Cochin Shipyard Limited
NSE:COCHINSHIP
|
$4.18 Billion |
|
Bendigo and Adelaide Bank Ltd
AU:BEN
|
$4.18 Billion |
|
Wistron NeWeb Corp
TW:6285
|
$4.18 Billion |
|
Sinotrans Ltd Class A
SHG:601598
|
$4.17 Billion |
|
Erasca Inc
NASDAQ:ERAS
|
$4.17 Billion |
|
Sensient Technologies Corporation
NYSE:SXT
|
$4.17 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in INTERCORP FIN.SERV. O.N.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 10,915,235,000 to 12,348,591,000, a change of 1,433,356,000 (13.1%).
- Net income of 1,932,470,000 contributed positively to equity growth.
- Dividend payments of 406,830,000 reduced retained earnings.
- Share repurchases of 262,549,000 reduced equity.
- Other factors increased equity by 170,265,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.93 Billion | +15.65% |
| Dividends Paid | €406.83 Million | -3.29% |
| Share Repurchases | €262.55 Million | -2.13% |
| Other Changes | €170.26 Million | +1.38% |
| Total Change | €- | 13.13% |
Book Value vs Market Value Analysis
This analysis compares INTERCORP FIN.SERV. O.N.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.45x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.66x to 0.45x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €75.25 | €49.60 | x |
| 2022-12-31 | €81.20 | €49.60 | x |
| 2023-12-31 | €86.92 | €49.60 | x |
| 2024-12-31 | €96.35 | €49.60 | x |
| 2025-12-31 | €111.17 | €49.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently INTERCORP FIN.SERV. O.N. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.65%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.98%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 8.02x
- Recent ROE (15.65%) is above the historical average (14.03%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 17.80% | 28.34% | 0.07x | 9.33x | €730.78 Million |
| 2023 | 10.78% | 16.94% | 0.07x | 9.01x | €77.71 Million |
| 2024 | 11.91% | 19.89% | 0.07x | 8.75x | €208.55 Million |
| 2025 | 15.65% | 27.98% | 0.07x | 8.02x | €697.61 Million |
Industry Comparison
This section compares INTERCORP FIN.SERV. O.N.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,067,079,478,900
- Average return on equity (ROE) among peers: 8.59%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| INTERCORP FIN.SERV. O.N. (9IFA) | €12.42 Billion | 17.80% | 6.98x | $4.18 Billion |
| Grupo Supervielle S.A (189A) | $92.35 Billion | -5.45% | 6.55x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $28.81 Trillion | 8.83% | 14.52x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $33.44 Billion | 12.80% | 12.03x | $226.76 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $33.35 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $1.16 Trillion | 7.52% | 15.07x | $12.50 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $795.55 Billion | 9.57% | 14.82x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $39.20 Billion | 18.55% | 6.61x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $64.78 Billion | 1.77% | 14.73x | $116.65 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
About INTERCORP FIN.SERV. O.N.
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… Read more