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Intercorp Financial Services (LIM:IFS) Cyclically Adjusted PB Ratio : 1.52 (As of Mar. 03, 2025)


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What is Intercorp Financial Services Cyclically Adjusted PB Ratio?

As of today (2025-03-03), Intercorp Financial Services's current share price is $32.00. Intercorp Financial Services's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 was $20.99. Intercorp Financial Services's Cyclically Adjusted PB Ratio for today is 1.52.

The historical rank and industry rank for Intercorp Financial Services's Cyclically Adjusted PB Ratio or its related term are showing as below:

LIM:IFS' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.98   Med: 1.4   Max: 2.59
Current: 1.52

During the past years, Intercorp Financial Services's highest Cyclically Adjusted PB Ratio was 2.59. The lowest was 0.98. And the median was 1.40.

LIM:IFS's Cyclically Adjusted PB Ratio is ranked worse than
74.69% of 1209 companies
in the Banks industry
Industry Median: 1.03 vs LIM:IFS: 1.52

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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Intercorp Financial Services's adjusted book value per share data for the three months ended in Dec. 2024 was $25.975. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $20.99 for the trailing ten years ended in Dec. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Intercorp Financial Services Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Intercorp Financial Services's Cyclically Adjusted PB Ratio 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.

* Premium members only.

Intercorp Financial Services Cyclically Adjusted PB Ratio Chart

Intercorp Financial Services Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.30 1.68 1.36 1.14 1.38

Intercorp Financial Services Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted PB Ratio 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 1.14 1.22 1.11 1.27 1.38

Competitive Comparison of Intercorp Financial Services's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Intercorp Financial Services's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Intercorp Financial Services's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Intercorp Financial Services's Cyclically Adjusted PB Ratio falls into.



Intercorp Financial Services Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Intercorp Financial Services's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=32.00/20.99
=1.52

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 is calculated as:

For example, Intercorp Financial Services's adjusted Book Value per Share data for the three months ended in Dec. 2024 was:

Adj_Book=Book Value per Share/CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=25.975/133.1571*133.1571
=25.975

Current CPI (Dec. 2024) = 133.1571.

Intercorp Financial Services Quarterly Data

Book Value per Share CPI Adj_Book
201503 10.804 99.621 14.441
201506 9.936 100.684 13.141
201509 9.995 100.392 13.257
201512 10.766 99.792 14.366
201603 11.501 100.470 15.243
201606 11.219 101.688 14.691
201609 12.122 101.861 15.846
201612 12.301 101.863 16.080
201703 13.168 102.862 17.046
201706 12.735 103.349 16.408
201709 13.595 104.136 17.384
201712 14.522 104.011 18.591
201803 15.487 105.290 19.586
201806 15.743 106.317 19.717
201809 16.956 106.507 21.199
201812 17.166 105.998 21.564
201903 19.708 107.251 24.469
201906 18.026 108.070 22.211
201909 20.547 108.329 25.256
201912 20.683 108.420 25.402
202003 19.848 108.902 24.269
202006 18.203 108.767 22.285
202009 19.363 109.815 23.479
202012 20.807 109.897 25.211
202103 20.730 111.754 24.700
202106 21.656 114.631 25.156
202109 22.774 115.734 26.202
202112 20.286 117.630 22.964
202203 20.960 121.301 23.009
202206 20.942 125.017 22.306
202209 22.103 125.227 23.503
202212 21.892 125.222 23.279
202303 21.220 127.348 22.188
202306 21.809 128.729 22.559
202309 22.371 129.860 22.939
202312 23.432 129.419 24.109
202403 24.136 131.776 24.389
202406 23.897 132.554 24.006
202409 24.632 133.029 24.656
202412 25.975 133.157 25.975

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.


Intercorp Financial Services  (LIM:IFS) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Intercorp Financial Services Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Intercorp Financial Services's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Intercorp Financial Services Business Description

Traded in Other Exchanges
Address
Avenue Carlos Villaran 140, Urbanizacion Santa Catalina, La Victoria, Lima, PER, 13
Intercorp Financial Services Inc is a provider of financial services through banking, insurance, and wealth management businesses, as well as the recent integration of Izipay enhancing its payments ecosystem. The company has four operating segments; the Banking segment includes Mainly loans, credit facilities, deposits, and current accounts, the Insurance segment provides life annuity products with single-premium payment and conventional life insurance products and other retail insurance products, the Wealth Management segment provides brokerage and investment management services, and Payments segment provides administration services, operation and processing of credit and debit cards. Its geographical segments include Peru and Panama.