Intercorp Financial Services (FRA:9IFA) Cyclically Adjusted FCF per Share: €6.24 (As of Mar. 2026)

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FRA:9IFA Intercorp Financial Services Inc FRA:9IFA
61 GF Score
Price €52.00
GF Value €27.75
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Intercorp Financial Services Cyclically Adjusted FCF per Share?

Intercorp Financial Services FRA:9IFA 61 Cyclically Adjusted FCF per Share is €6.24 as of Mar. 2026. GuruFocus rates FRA:9IFA with a GF Score™ of 61/100 and a GF Value™ of €27.75 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Intercorp Financial Services's adjusted free cash flow per share for the three months ended in Mar. 2026 was €-0.501. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €6.24 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Intercorp Financial Services's average Cyclically Adjusted FCF Growth Rate was -4.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -2.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -1.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Intercorp Financial Services was 0.60% per year. The lowest was -2.40% per year. And the median was -2.20% per year.

As of today (2026-07-23), Intercorp Financial Services's current stock price is €52.00. Intercorp Financial Services's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €6.24. Intercorp Financial Services's Cyclically Adjusted Price-to-FCF of today is 8.33.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Intercorp Financial Services was 8.34. The lowest was 2.22. And the median was 3.29.


Intercorp Financial Services  (FRA:9IFA) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Intercorp Financial Services's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=52.00/6.24
=8.33

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Intercorp Financial Services was 8.34. The lowest was 2.22. And the median was 3.29.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Intercorp Financial Services Cyclically Adjusted FCF per Share Related Terms


Intercorp Financial Services Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Intercorp Financial Services's Cyclically Adjusted FCF per Share can be seen below:

* 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.

Intercorp Financial Services Cyclically Adjusted FCF per Share Chart

Intercorp Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.86 6.88 6.31 7.75 5.99

Intercorp Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.91 7.17 6.21 5.99 6.24

FRA:9IFA vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Intercorp Financial Services's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Intercorp Financial Services Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Intercorp Financial Services's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Intercorp Financial Services's Cyclically Adjusted Price-to-FCF falls into.


FRA:9IFA
61GF Score
Intercorp Financial Services Inc FRA:9IFA
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Intercorp Financial Services Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Intercorp Financial Services's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.501/330.2130*330.2130
=-0.501

Current CPI (Mar. 2026) = 330.2130.

Intercorp Financial Services Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -5.055 241.018 -6.926
201609 7.093 241.428 9.701
201612 1.972 241.432 2.697
201703 -5.407 243.801 -7.323
201706 2.764 244.955 3.726
201709 2.558 246.819 3.422
201712 7.665 246.524 10.267
201803 -5.126 249.554 -6.783
201806 -4.081 251.989 -5.348
201809 -1.284 252.439 -1.680
201812 5.258 251.233 6.911
201903 1.692 254.202 2.198
201906 1.860 256.143 2.398
201909 -2.883 256.759 -3.708
201912 2.679 256.974 3.443
202003 2.498 258.115 3.196
202006 13.737 257.797 17.596
202009 6.865 260.280 8.710
202012 5.121 260.474 6.492
202103 4.483 264.877 5.589
202106 0.283 271.696 0.344
202109 2.883 274.310 3.471
202112 -5.239 278.802 -6.205
202203 -4.244 287.504 -4.874
202206 0.281 296.311 0.313
202209 5.112 296.808 5.687
202212 -4.193 296.797 -4.665
202303 5.626 301.836 6.155
202306 -0.919 305.109 -0.995
202309 1.651 307.789 1.771
202312 -0.941 306.746 -1.013
202403 5.538 312.332 5.855
202406 -1.958 314.175 -2.058
202409 4.739 315.301 4.963
202412 -2.620 315.605 -2.741
202503 -1.068 319.799 -1.103
202506 0.979 322.561 1.002
202509 -2.924 324.800 -2.973
202512 6.086 324.054 6.202
202603 -0.501 330.213 -0.501

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €6.24 mean?
Intercorp Financial Services (FRA:9IFA) has a Cyclically Adjusted FCF per Share of €6.24 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Intercorp Financial Services and its competitors.
Is Intercorp Financial Services' Cyclically Adjusted FCF per Share too high?
Intercorp Financial Services' current Cyclically Adjusted FCF per Share is €6.24. Overall, Intercorp Financial Services has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intercorp Financial Services' Cyclically Adjusted FCF per Share compare to PNC and USB?
Intercorp Financial Services' Cyclically Adjusted FCF per Share of €6.24 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Intercorp Financial Services and its competitors. Intercorp Financial Services's current Cyclically Adjusted FCF per Share is €6.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intercorp Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Intercorp Financial Services (FRA:9IFA) is currently considered Significantly Overvalued. The stock's GF Value™ is €27.75, compared to a current price of €52.00 — trading 87.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €6.24. Intercorp Financial Services' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Intercorp Financial Services (FRA:9IFA), the current Cyclically Adjusted FCF per Share is €6.24 as of Mar. 2026. 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 Intercorp Financial Services (FRA:9IFA) Overvalued in 2026?

Based on GuruFocus' analysis, Intercorp Financial Services stock appears to be overvalued. The current stock price of €52.00 is trading 87.4% above its estimated GF Value™ of €27.75. GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.

Key valuation signals for FRA:9IFA:

  • Cyclically Adjusted FCF per Share: €6.24
  • GF Value™: €27.75 vs. price of €52.00 (87.4% above fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the FRA:9IFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Intercorp Financial Services Business Description

Other Exchanges IFS:USAIFS:Peru
Address Avenue Carlos Villaran 140, 5th Floor, Urbanizacion Santa Catalina, La Victoria, Lima, PER, 13
Intercorp Financial Services Inc is a provider of banking, insurance, wealth management services, and payments for retail customers and commercial clients in Peru. Its purpose is centered around building financial well-being together. The company has three operating business segments: Banking, mainly loans, credit facilities, deposits, and current accounts; Insurance provides life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and Wealth management provides brokerage and investment management services. Inteligo serves mainly Peruvian citizens.
61GF Score

Get the complete analysis for FRA:9IFA

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€52.00
Price
€27.75
GF Value