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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Banco Internacional del Peru - Interbank's cash to debt ratio for the quarter that ended in Dec. 2025 was 1.47.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Banco Internacional del Peru - Interbankcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
Banco Internacional del Peru - Interbank (LIM:INTERBC1) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Banco Internacional del Peru - Interbank Cash-to-Debt Related Terms
Banco Internacional del Peru - Interbank Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Banco Internacional del Peru - Interbank Cash-to-Debt Chart
Banco Internacional del Peru - Interbank Annual Data
For the Banks - Regional subindustry, Banco Internacional del Peru - Interbank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banco Internacional del Peru - Interbank Cash-to-Debt vs Banks Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a Cash-to-Debt of 1.47 as of Dec. 2025. This is 12% above median its historical median of 1.31. Over the past decade, Banco Internacional del Peru - Interbank's Cash-to-Debt has ranged from 0.97 to 2.15. According to the industry distribution chart, Banco Internacional del Peru - Interbank ranks #716 out of 1485 companies in the Banks industry, placing it in the top 48.2%.
Is Banco Internacional del Peru - Interbank's Cash-to-Debt too high?
Banco Internacional del Peru - Interbank's current Cash-to-Debt of 1.47 is 12% above median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 2.15. The Banks industry median Cash-to-Debt is 1.38. Banco Internacional del Peru - Interbank's value of 1.47 is 6.5% above this industry median. Based on the distribution chart, Banco Internacional del Peru - Interbank ranks #716 out of 1485 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Internacional del Peru - Interbank has a GF Score™ of 38/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional del Peru - Interbank's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional del Peru - Interbank ranks #716 out of 1485 companies for Cash-to-Debt. This puts Banco Internacional del Peru - Interbank in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Banco Internacional del Peru - Interbank's value of 1.47 is 6.5% above this benchmark. Historically, Banco Internacional del Peru - Interbank's own Cash-to-Debt has ranged from 0.97 to 2.15 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 1.38, Banco Internacional del Peru - Interbank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Internacional del Peru - Interbank's current Cash-to-Debt of 1.47 is 6.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Internacional del Peru - Interbank's current Cash-to-Debt is 1.47, which is 12% above median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional del Peru - Interbank stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank (LIM:INTERBC1) is currently considered Modestly Overvalued. The stock's GF Value™ is S/.1.73, compared to a current price of S/.2.03 — trading 17.3% above its estimated fair value. The current Cash-to-Debt is 1.47, which is 12% above median its 10-year median of 1.31 and 6.5% above the Banks industry median of 1.38. Banco Internacional del Peru - Interbank's overall GF Score™ is 38/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current Cash-to-Debt is 1.47 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banco Internacional del Peru - Interbank (LIM:INTERBC1) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank stock appears to be overvalued.
The current stock price of S/.2.03 is trading 17.3% above its estimated GF Value™ of S/.1.73.
GuruFocus considers Banco Internacional del Peru - Interbank to be Modestly Overvalued.
Key valuation signals for LIM:INTERBC1:
Cash-to-Debt: 1.47 (12% above median its 10-year median of 1.31)
GF Value™: S/.1.73 vs. price of S/.2.03 (17.3% above fair value)
Industry Position: 6.5% above the Banks median (#716 of 1485)
No single metric tells the full story. See the LIM:INTERBC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Internacional del Peru - Interbank provides banking and related financial services. The company performs all banking functions with its main business being attracting money and lending to companies and individuals. Its products inlcude credits cars, debit cards, savings accounts, salary account, personal loan, vehicle credit, mortgages, investment funds and deposit, interbank insurance, sending and receiving money, pay bills and currency exchange.
38GF Score
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