Discounted Cash Flow
Intercorp Financial Services Inc. Foreign
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Audit / VIE / HFCA: Financial-sector DCF: free cash flow for lenders/insurers includes loan principal and deposits, so FCF ≈ 5-10× net income and is not a valuation proxy; the model shows moderate/unstable predictability and the DCF can be 5-40× market cap (lender pattern).
Sourced live via DEF 14A beneficial_ownership (edgartools proxy) for US filers and 20-F risk_factors (“controls X% of voting power” + VIE/HFCA) for foreign ADRs — cached 12h. A concentrated holder can overrule the DCF’s minority-basis assumptions on dividends, issuance, and delisting.
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2017 | $1.1b | $306.4m | $978.8m | 27.0% | $9.62 |
| 2018 | $1.3b (13.4%) | $323.4m (5.5%) | $-626.7m (-164.0%) | 25.1% (-7.0%) | $9.82 (2.0%) |
| 2019 | $1.4b (12.2%) | $429.9m (32.9%) | $479.6m (176.5%) | 29.7% (18.5%) | $12.78 (30.1%) |
| 2020 | $1.4b (-3.8%) | $114.3m (-73.4%) | $114.3m (-76.2%) | 8.2% (-72.4%) | $3.32 (-74.0%) |
| 2021 | $1.4b (-1.3%) | $534.0m (367.1%) | $354.6m (210.2%) | 38.9% (373.1%) | $15.51 (367.2%) |
| 2022 | $1.8b (27.8%) | $495.3m (-7.2%) | $-312.3m (-188.0%) | 28.2% (-27.4%) | $14.45 (-6.8%) |
| 2023 | $1.9b (7.6%) | $320.0m (-35.4%) | $852.6m (373.0%) | 16.9% (-39.9%) | $9.33 (-35.5%) |
| 2024 | $1.9b (3.2%) | $387.8m (21.2%) | $849.6m (-0.4%) | 19.9% (17.4%) | $11.38 (22.0%) |
| 2025 | $2.1b (5.7%) | $576.4m (48.6%) | $527.3m (-37.9%) | 28.0% (40.6%) | $17.30 (52.1%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in PEN. Values above are converted to USD for comparison with the US-listed share price.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Net debt deduction: —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.