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Intercorp Financial ServicesIFS +0.96%59 Debt-to-Equity is 1.00 as of Mar. 2026, which is 13% below its 10-year median of 1.15. GuruFocus rates IFS with a GF Score™ of 59/100 and a GF Value™ of $32.57 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, Intercorp Financial Services ranks worse than 68.07% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Intercorp Financial Services's Debt-to-Equity or its related term are showing as below:
IFS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.89 Med: 1.15 Max: 1.63
Current: 1
During the past 13 years, the highest Debt-to-Equity Ratio of Intercorp Financial Services was 1.63. The lowest was 0.89. And the median was 1.15.
IFS's Debt-to-Equity is ranked worse than 68.07% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs IFS: 1.00
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Intercorp Financial Services Debt-to-Equity Related Terms
Intercorp Financial Services Debt-to-Equity 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.
For the Banks - Regional subindustry, Intercorp Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's Debt-to-Equity falls into.
* 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 (IFS) has a Debt-to-Equity of 1.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Intercorp Financial Services and its competitors. This is 13% below median its historical median of 1.15. Over the past decade, Intercorp Financial Services' Debt-to-Equity has ranged from 0.89 to 1.63. According to the industry distribution chart, Intercorp Financial Services ranks #968 out of 1422 companies in the Banks industry, placing it in the top 68.1%.
Is Intercorp Financial Services' Debt-to-Equity too high?
Intercorp Financial Services' current Debt-to-Equity of 1.00 is 13% below median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 1.63. The Banks industry median Debt-to-Equity is 0.57. Intercorp Financial Services' value of 1.00 is 75.4% above this industry median. Based on the distribution chart, Intercorp Financial Services ranks #968 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Intercorp Financial Services has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intercorp Financial Services' Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #968 out of 1422 companies for Debt-to-Equity. This places Intercorp Financial Services in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Intercorp Financial Services' value of 1.00 is 75.4% above this benchmark. Historically, Intercorp Financial Services' own Debt-to-Equity has ranged from 0.89 to 1.63 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 0.57, Intercorp Financial Services 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intercorp Financial Services's current Debt-to-Equity of 1.00 is 75.4% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current Debt-to-Equity is 1.00, which is 13% below median its own 10-year median of 1.15. 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 $32.57, compared to a current price of $59.73 — trading 83.4% above its estimated fair value. The current Debt-to-Equity is 1.00, which is 13% below median its 10-year median of 1.15 and 75.4% above the Banks industry median of 0.57. Intercorp Financial Services' overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Intercorp Financial Services (IFS), the current Debt-to-Equity is 1.00 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 (IFS) Overvalued in 2026?
Based on GuruFocus' analysis, Intercorp Financial Services stock appears to be overvalued.
The current stock price of $59.73 is trading 83.4% above its estimated GF Value™ of $32.57.
GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.
Key valuation signals for IFS:
Debt-to-Equity: 1.00 (13% below median its 10-year median of 1.15)
GF Value™: $32.57 vs. price of $59.73 (83.4% above fair value)
Industry Position: 75.4% above the Banks median (#968 of 1422)
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 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.
59GF Score
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