What is Intercorp Financial Services Inc.'s Shariah compliance score?

Intercorp Financial Services Inc.'s (IFS) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Intercorp Financial Services Inc. pass AAOIFI screening?

Intercorp Financial Services Inc. (IFS) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (IFS: 193.4%), (3) interest-bearing deposits below 30% (IFS: 183.1%), and (4) prohibited income below 5% (IFS: 70.3%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Intercorp Financial Services Inc. stock?

Intercorp Financial Services Inc. (IFS) has a non-permissible income ratio of 70.29%. Muslim investors should purify this percentage of any dividends received and capital gains realized from IFS shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Intercorp Financial Services Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Intercorp Financial Services Inc. (IFS) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about IFS's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

IFS: Is Intercorp Financial Services Inc. Halal?

Intercorp Financial Services Inc.

NYSEFinancial ServicesPE

$59.46

+1.24%

Market Cap: 6.6B

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Intercorp Financial Services Inc. (IFS) halal? Not Halal. Based on AAOIFI screening, Intercorp Financial Services Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

193.4% of 30.0% limit

What this means for you

Most scholars advise not holding IFS

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Intercorp Financial Services Inc.

Intercorp Financial Services Inc. (IFS) is a Peruvian entity providing a wide array of financial solutions, encompassing banking, insurance, and wealth management, to both individual and corporate clients throughout Peru. The company operates through three primary divisions: Banking, Insurance, and Wealth Management. Its banking segment offers diverse deposit options, such as various transactional and savings accounts, investment accounts, and fixed-term instruments including certificates of deposit and compensation for service time accounts. For retail customers, IFS provides credit cards, mortgages, payroll-deduction loans, general consumer loans, as well as specialized cash, student, and collateralized cash loans. Business clients, from small to large enterprises, benefit from commercial banking services covering corporate financing, commercial real estate, vehicle and equipment loans, cash management, trade finance, and electronic factoring. Additionally, the company manages treasury and institutional banking, along with securitization services. Within its insurance operations, IFS offers annuities, conventional life insurance, and other retail insurance products. The wealth management arm delivers financial advisory services across equities, fixed income, structured products, alternative investments, and managed accounts, complemented by brokerage and investment management offerings. Founded in 1897 and headquartered in Lima, Peru, Intercorp Financial Services Inc. maintained a significant operational network as of December 31, 2021, comprising 189 financial branches and 1,581 ATMs. The company functions as a subsidiary of Intercorp Perú Ltd.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Intercorp Financial Services Inc. (IFS) halal to invest in?

Intercorp Financial Services Inc. (IFS) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Intercorp Financial Services Inc. get a F compliance rating?

Intercorp Financial Services Inc. (IFS) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 193.4% (limit 30%); interest-bearing deposits of 183.1% (limit 30%); prohibited income of 70.29% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Intercorp Financial Services Inc.'s Shariah verdict?

Intercorp Financial Services Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Intercorp Financial Services Inc. re-screened for Shariah compliance?

Intercorp Financial Services Inc. (IFS) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.