Intercorp Financial Services Q2 2025 Earnings Preview: Revenue Expected at $378.46 Million, Earnings at $0.98 Per Share

Intercorp Financial Services Inc is set to release its Q2 2025 earnings on Aug 11, 2025. The consensus estimate for Q2 2025 revenue is $378.46 million, and the earnings are expected to be $0.98 per share. The full-year 2025 revenue is expected to be $1.84 billion, and the earnings are expected to be $4.44 per share. Over the past 90 days, revenue estimates for Intercorp Financial Services Inc have declined from $1.85 billion to $1.84 billion for the full year 2025, while earnings estimates have risen from $4.30 per share to $4.44 per share. In the previous quarter, actual revenue was $485.44 million, beating analysts' revenue expectations by 27.41%, and actual earnings were $1.20 per share, beating analysts' earnings expectations by 20.54%. The average target price for Intercorp Financial Services Inc is $40.54, with a high estimate of $45.15 and a low estimate of $35.12.

Intercorp Financial Services Inc. Set to Release Q2 2025 Earnings on Aug. 11

Peru-based Intercorp Financial Services Inc. (IFS) is scheduled to release its second-quarter 2025 earnings on Aug. 11. Analysts anticipate an increase in quarterly earnings compared to the same period last year, with a consensus estimate of $1.07 per share, representing a 62.1% year-over-year (YoY) increase [1].

Key factors influencing IFS' Q2 earnings include:

Revenues: IFS generates a significant portion of its revenue from spread income. In May 2025, Peru's Central Reserve Bank unexpectedly cut its benchmark interest rate by 25 basis points to 4.50%, which is expected to have supported loan demand in the second quarter, contributing to higher revenues [1]. Additionally, the company is likely to have benefited from a decline in deposit costs, leading to an increase in net interest income and a broader net interest margin as deposits reprice at lower rates [1].

Expenses: While revenues are expected to have increased, higher expenses, including salaries and employee benefits, as well as administrative costs, are likely to have kept the expense base elevated [1]. Moreover, the company's significant investment in digitizing operations is likely to have added to these expenses [1].

Peer Performance: Comparatively, peers such as Itau Unibanco Holding S.A. (ITUB) and HSBC Holdings plc (HSBC) have shown varied performance. ITUB reported an 8% YoY increase in earnings for the first half of 2025, driven by higher revenues and a rise in managerial financial margin, despite a rise in non-interest expenses [1]. Conversely, HSBC's pre-tax profit fell by 29% in the second quarter of 2025 due to a decline in revenues and higher expenses [1].

Zacks Model Insights: The Zacks quantitative model does not predict a conclusive earnings beat for IFS this time, as it lacks the necessary combination of positive Earnings ESP and a Zacks Rank #3 (Hold) or better [1].

Revenue and Earnings Estimates: The consensus estimate for IFS' Q2 2025 revenue is $378.46 million, and earnings are expected to be $0.98 per share. The full-year 2025 revenue is expected to be $1.84 billion, and earnings are expected to be $4.44 per share. Over the past 90 days, revenue estimates for IFS have declined from $1.85 billion to $1.84 billion for the full year 2025, while earnings estimates have risen from $4.30 per share to $4.44 per share [2].

Historical Performance: In the previous quarter ending December 31, 2024, IFS' actual revenue was $485.44 million, which beat analysts' revenue expectations of $380.99 million by 27.41%, and actual earnings were $1.20 per share, beating analysts' earnings expectations of $0.998 per share by 20.54% [2].

Price Targets: The average target price for IFS is $40.54, with a high estimate of $45.15 and a low estimate of $35.12. The average target implies an upside of 9.41% from the current price of $37.05 [2].

Investors are looking forward to IFS' Q2 2025 earnings report to assess the company's performance and growth prospects. The expected increase in revenues, driven by lower interest rates and declining deposit costs, along with higher expenses, will be key indicators to watch.

References:

[1] https://www.ainvest.com/news/peru-intercorp-financial-services-expected-report-q2-earnings-62-1-yoy-increase-2508/
[2] https://finance.yahoo.com/news/intercorp-financial-services-inc-lim-131849519.html