Intercorp Financial Services Inc. ( IFS) Q4 2025 Earnings Call February 12, 2026 9:00 AM EST Good morning, and welcome to the Intercorp Financial Services Fourth Quarter 2025 Conference Call.

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Qfin Holdings (QFIN) is rated a Buy, offering an asymmetric risk/reward. Trading at ~2.3x earnings with a $1.5B cash pile (effectively trading near cash value) and a 73% payout ratio.

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Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings.

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A waterfall payment is a plan where more entitled creditors receive both interest and principal payments while lower-ranking creditors receive only interest. Here’s how it works.