IFS (Intercorp Financial Services) Cyclically Adjusted FCF per Share: $9.17 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

IFS Intercorp Financial Services Inc IFS
67 GF Score
Price $54.79
GF Value $34.29
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Intercorp Financial Services Cyclically Adjusted FCF per Share?

Intercorp Financial Services IFS -0.02% 67 Cyclically Adjusted FCF per Share is $9.17 as of Jun. 2026. GuruFocus rates IFS with a GF Score™ of 67/100 and a GF Value™ of $34.29 (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 Jun. 2026 was $7.325. 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 $9.17 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Intercorp Financial Services's average Cyclically Adjusted FCF Growth Rate was 5.50% 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 -2.10% per year.

As of today (2026-09-09), Intercorp Financial Services's current stock price is $54.79. Intercorp Financial Services's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $9.17. Intercorp Financial Services's Cyclically Adjusted Price-to-FCF of today is 5.97.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Intercorp Financial Services was 7.68. The lowest was 2.19. And the median was 3.27.


Intercorp Financial Services  (NYSE:IFS) 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
=54.79/9.17
=5.97

* 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 7.68. The lowest was 2.19. And the median was 3.27.


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 7.92 7.52 7.51 8.30 7.16

Intercorp Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 8.62 7.43 7.16 7.42 9.17

IFS vs USB, PNC: 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.


IFS
67GF Score
Intercorp Financial Services Inc IFS
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 Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=7.325/333.9520*333.9520
=7.325

Current CPI (Jun. 2026) = 333.9520.

Intercorp Financial Services Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 8.287 241.428 11.463
201612 2.303 241.432 3.186
201703 -6.317 243.801 -8.653
201706 3.229 244.955 4.402
201709 2.988 246.819 4.043
201712 8.955 246.524 12.131
201803 -5.989 249.554 -8.014
201806 -4.769 251.989 -6.320
201809 -1.500 252.439 -1.984
201812 6.144 251.233 8.167
201903 1.977 254.202 2.597
201906 2.173 256.143 2.833
201909 -3.369 256.759 -4.382
201912 3.130 256.974 4.068
202003 2.919 258.115 3.777
202006 16.049 257.797 20.790
202009 8.021 260.280 10.291
202012 5.983 260.474 7.671
202103 5.237 264.877 6.603
202106 0.330 271.696 0.406
202109 3.368 274.310 4.100
202112 -6.121 278.802 -7.332
202203 -4.958 287.504 -5.759
202206 0.329 296.311 0.371
202209 5.973 296.808 6.720
202212 -4.899 296.797 -5.512
202303 6.574 301.836 7.273
202306 -1.073 305.109 -1.174
202309 1.928 307.789 2.092
202312 -1.099 306.746 -1.196
202403 6.470 312.332 6.918
202406 -2.287 314.175 -2.431
202409 5.537 315.301 5.865
202412 -3.061 315.605 -3.239
202503 -1.248 319.799 -1.303
202506 1.144 322.561 1.184
202509 -3.416 324.800 -3.512
202512 7.111 324.054 7.328
202603 -0.586 330.213 -0.593
202606 7.325 333.952 7.325

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 $9.17 mean?
Intercorp Financial Services (IFS) has a Cyclically Adjusted FCF per Share of $9.17 as of Jun. 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 $9.17. Overall, Intercorp Financial Services has a GF Score™ of 67/100 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 USB and PNC?
Intercorp Financial Services' Cyclically Adjusted FCF per Share of $9.17 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 $9.17. 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 (IFS) is currently considered Significantly Overvalued. The stock's GF Value™ is $34.29, compared to a current price of $54.79 — trading 59.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $9.17. Intercorp Financial Services' overall GF Score™ is 67/100 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 (IFS), the current Cyclically Adjusted FCF per Share is $9.17 as of Jun. 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 (IFS) Overvalued in 2026?

Based on GuruFocus' analysis, Intercorp Financial Services stock appears to be overvalued. The current stock price of $54.79 is trading 59.8% above its estimated GF Value™ of $34.29. GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.

Key valuation signals for IFS:

  • Cyclically Adjusted FCF per Share: $9.17
  • GF Value™: $34.29 vs. price of $54.79 (59.8% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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


Intercorp Financial Services Business Description

Other Exchanges IFS:Peru9IFA:Germany
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.
67GF Score

Get the complete analysis for IFS

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

$54.79
Price
$34.29
GF Value