Banco Internacional del Peru - Interbank (LIM:INTERBC1) Debt-to-Asset : 0.10 (As of Dec. 2025)

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LIM:INTERBC1 Banco Internacional del Peru - Interbank LIM:INTERBC1
39 GF Score
Price S/.2.05
GF Value S/.1.72
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Banco Internacional del Peru - Interbank Debt-to-Asset?

Banco Internacional del Peru - Interbank LIM:INTERBC1 +2.50% 39 Debt-to-Asset is 0.10 as of Dec. 2025. GuruFocus rates LIM:INTERBC1 with a GF Score™ of 39/100 and a GF Value™ of S/.1.72 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Banco Internacional del Peru - Interbank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was S/.0 Mil. Banco Internacional del Peru - Interbank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was S/.7,781 Mil. Banco Internacional del Peru - Interbank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was S/.76,050 Mil. Banco Internacional del Peru - Interbank's debt to asset for the quarter that ended in Dec. 2025 was 0.10.


Banco Internacional del Peru - Interbank  (LIM:INTERBC1) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.


Banco Internacional del Peru - Interbank Debt-to-Asset Related Terms


Banco Internacional del Peru - Interbank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Banco Internacional del Peru - Interbank's Debt-to-Asset 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.

Banco Internacional del Peru - Interbank Debt-to-Asset Chart

Banco Internacional del Peru - Interbank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.13 0.13 0.12 0.12 0.10

Banco Internacional del Peru - Interbank Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset 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 0.13 0.13 0.12 0.12 0.10

LIM:INTERBC1 vs PNC, USB: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Banco Internacional del Peru - Interbank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Banco Internacional del Peru - Interbank's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Banco Internacional del Peru - Interbank's Debt-to-Asset falls into.


LIM:INTERBC1
39GF Score
Banco Internacional del Peru - Interbank LIM:INTERBC1
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Internacional del Peru - Interbank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Banco Internacional del Peru - Interbank's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 7781.332) / 76050.494
=0.10

Banco Internacional del Peru - Interbank's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 7781.332) / 76050.494
=0.10

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.10 mean?
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a Debt-to-Asset of 0.10 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Banco Internacional del Peru - Interbank and its competitors.
Is Banco Internacional del Peru - Interbank's Debt-to-Asset too high?
Banco Internacional del Peru - Interbank's current Debt-to-Asset is 0.10. Overall, Banco Internacional del Peru - Interbank has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional del Peru - Interbank's Debt-to-Asset compare to PNC and USB?
Banco Internacional del Peru - Interbank's Debt-to-Asset of 0.10 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Banco Internacional del Peru - Interbank and its competitors. Banco Internacional del Peru - Interbank's current Debt-to-Asset is 0.10. 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/.1.72, compared to a current price of S/.2.05 — trading 19.2% above its estimated fair value. The current Debt-to-Asset is 0.10. Banco Internacional del Peru - Interbank's overall GF Score™ is 39/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current Debt-to-Asset is 0.10 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/.2.05 is trading 19.2% above its estimated GF Value™ of S/.1.72. GuruFocus considers Banco Internacional del Peru - Interbank to be Modestly Overvalued.

Key valuation signals for LIM:INTERBC1:

  • Debt-to-Asset: 0.10
  • GF Value™: S/.1.72 vs. price of S/.2.05 (19.2% above fair value)
  • GF Score™: 39/100 with 4 warning signs

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 Business Description

Address Avenida Carlos Villaran Number 140, Urb Santa Catalina, La Victoria, Lima, PER
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.
39GF Score

Get the complete analysis for LIM:INTERBC1

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S/.2.05
Price
S/.1.72
GF Value