Intercorp Financial Services (FRA:9IFA) E10: €3.47 (As of Mar. 2026)


FRA:9IFA Intercorp Financial Services Inc FRA:9IFA
57 GF Score
Price €50.50
GF Value €27.54
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Intercorp Financial Services E10?

Intercorp Financial Services FRA:9IFA -0.98% 57 E10 is €3.47 as of Mar. 2026. GuruFocus rates FRA:9IFA with a GF Score™ of 57/100 and a GF Value™ of €27.54 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Intercorp Financial Services's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.372. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €3.47 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Intercorp Financial Services's average E10 Growth Rate was 8.00% per year. During the past 3 years, the average E10 Growth Rate was 2.30% per year. During the past 5 years, the average E10 Growth Rate was 5.30% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Intercorp Financial Services was 7.50% per year. The lowest was 2.30% per year. And the median was 4.20% per year.

As of today (2026-07-08), Intercorp Financial Services's current stock price is €50.50. Intercorp Financial Services's E10 for the quarter that ended in Mar. 2026 was €3.47. Intercorp Financial Services's Shiller PE Ratio of today is 14.55.

During the past 13 years, the highest Shiller PE Ratio of Intercorp Financial Services was 14.53. The lowest was 5.22. And the median was 7.86.


Intercorp Financial Services  (FRA:9IFA) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Intercorp Financial Services's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=50.50/3.47
=14.55

* 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 Shiller P/E Ratio of Intercorp Financial Services was 14.53. The lowest was 5.22. And the median was 7.86.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Intercorp Financial Services E10 Related Terms


Intercorp Financial Services E10 Historical Data

* Premium members only.

The historical data trend for Intercorp Financial Services's E10 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 E10 Chart

Intercorp Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.82 3.28 3.05 3.54 3.29

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
E10 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 3.42 3.25 3.26 3.28 3.47

FRA:9IFA vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Intercorp Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Intercorp Financial Services's Shiller PE Ratio falls into.


FRA:9IFA
57GF Score
Intercorp Financial Services Inc FRA:9IFA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Intercorp Financial Services E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.372/330.2130*330.2130
=1.372

Current CPI (Mar. 2026) = 330.2130.

Intercorp Financial Services Quarterly Data

per share eps CPI Adj_EPS
201606 0.412 241.018 0.564
201609 0.482 241.428 0.659
201612 1.184 241.432 1.619
201703 0.568 243.801 0.769
201706 0.583 244.955 0.786
201709 0.619 246.819 0.828
201712 0.681 246.524 0.912
201803 0.669 249.554 0.885
201806 0.466 251.989 0.611
201809 0.723 252.439 0.946
201812 0.641 251.233 0.843
201903 0.807 254.202 1.048
201906 0.801 256.143 1.033
201909 0.739 256.759 0.950
201912 0.908 256.974 1.167
202003 0.316 258.115 0.404
202006 -1.001 257.797 -1.282
202009 0.700 260.280 0.888
202012 0.830 260.474 1.052
202103 1.162 264.877 1.449
202106 1.001 271.696 1.217
202109 1.213 274.310 1.460
202112 0.576 278.802 0.682
202203 1.049 287.504 1.205
202206 0.492 296.311 0.548
202209 1.245 296.808 1.385
202212 0.895 296.797 0.996
202303 0.585 301.836 0.640
202306 0.726 305.109 0.786
202309 0.430 307.789 0.461
202312 0.635 306.746 0.684
202403 0.312 312.332 0.330
202406 0.633 314.175 0.665
202409 0.863 315.301 0.904
202412 1.090 315.605 1.140
202503 0.999 319.799 1.032
202506 1.308 322.561 1.339
202509 1.038 324.800 1.055
202512 1.061 324.054 1.081
202603 1.372 330.213 1.372

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €3.47 mean?
Intercorp Financial Services (FRA:9IFA) has a E10 of €3.47 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Intercorp Financial Services and its competitors.
Is Intercorp Financial Services' E10 too high?
Intercorp Financial Services' current E10 is €3.47. Overall, Intercorp Financial Services has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intercorp Financial Services' E10 compare to PNC and USB?
Intercorp Financial Services' E10 of €3.47 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Intercorp Financial Services and its competitors. Intercorp Financial Services's current E10 is €3.47. 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 €27.54, compared to a current price of €50.50 — trading 83.4% above its estimated fair value. The current E10 is €3.47. Intercorp Financial Services' overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Intercorp Financial Services (FRA:9IFA), the current E10 is €3.47 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 €50.50 is trading 83.4% above its estimated GF Value™ of €27.54. GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.

Key valuation signals for FRA:9IFA:

  • E10: €3.47
  • GF Value™: €27.54 vs. price of €50.50 (83.4% above fair value)
  • GF Score™: 57/100 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.
57GF Score

Get the complete analysis for FRA:9IFA

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€50.50
Price
€27.54
GF Value