Intercorp Financial Services (LIM:IFS) E10: $4.05 (As of Mar. 2026)


LIM:IFS Intercorp Financial Services Inc LIM:IFS
42 GF Score
Price $56.05
GF Value $32.05
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Intercorp Financial Services E10?

Intercorp Financial Services LIM:IFS +0.63% 42 E10 is $4.05 as of Mar. 2026. GuruFocus rates LIM:IFS with a GF Score™ of 42/100 and a GF Value™ of $32.05 (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 $1.584. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $4.05 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Intercorp Financial Services's average E10 Growth Rate was 7.70% 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 4.30% per year.

As of today (2026-06-30), Intercorp Financial Services's current stock price is $56.05. Intercorp Financial Services's E10 for the quarter that ended in Mar. 2026 was $4.05. Intercorp Financial Services's Shiller PE Ratio of today is 13.84.

During the past 13 years, the highest Shiller PE Ratio of Intercorp Financial Services was 13.98. The lowest was 5.22. And the median was 7.85.


Intercorp Financial Services  (LIM:IFS) 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
=56.05/4.05
=13.84

* 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 13.98. The lowest was 5.22. And the median was 7.85.


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 3.25 3.60 3.59 3.69 3.85

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 3.76 3.82 3.81 3.85 4.05

LIM:IFS 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.


LIM:IFS
42GF Score
Intercorp Financial Services Inc LIM:IFS
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)
=1.584/330.2130*330.2130
=1.584

Current CPI (Mar. 2026) = 330.2130.

Intercorp Financial Services Quarterly Data

per share eps CPI Adj_EPS
201606 0.475 241.018 0.651
201609 0.557 241.428 0.762
201612 1.367 241.432 1.870
201703 0.656 243.801 0.889
201706 0.673 244.955 0.907
201709 0.715 246.819 0.957
201712 0.787 246.524 1.054
201803 0.773 249.554 1.023
201806 0.538 251.989 0.705
201809 0.835 252.439 1.092
201812 0.740 251.233 0.973
201903 0.931 254.202 1.209
201906 0.924 256.143 1.191
201909 0.853 256.759 1.097
201912 1.049 256.974 1.348
202003 0.365 258.115 0.467
202006 -1.155 257.797 -1.479
202009 0.808 260.280 1.025
202012 0.958 260.474 1.214
202103 1.341 264.877 1.672
202106 1.155 271.696 1.404
202109 1.400 274.310 1.685
202112 0.665 278.802 0.788
202203 1.211 287.504 1.391
202206 0.568 296.311 0.633
202209 1.438 296.808 1.600
202212 1.033 296.797 1.149
202303 0.676 301.836 0.740
202306 0.838 305.109 0.907
202309 0.496 307.789 0.532
202312 0.733 306.746 0.789
202403 0.360 312.332 0.381
202406 0.731 314.175 0.768
202409 0.996 315.301 1.043
202412 1.258 315.605 1.316
202503 1.153 319.799 1.191
202506 1.510 322.561 1.546
202509 1.199 324.800 1.219
202512 1.225 324.054 1.248
202603 1.584 330.213 1.584

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 $4.05 mean?
Intercorp Financial Services (LIM:IFS) has a E10 of $4.05 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 $4.05. Overall, Intercorp Financial Services has a GF Score™ of 42/100 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 $4.05 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 $4.05. 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 (LIM:IFS) is currently considered Significantly Overvalued. The stock's GF Value™ is $32.05, compared to a current price of $56.05 — trading 74.9% above its estimated fair value. The current E10 is $4.05. Intercorp Financial Services' overall GF Score™ is 42/100 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 (LIM:IFS), the current E10 is $4.05 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 (LIM:IFS) Overvalued in 2026?

Based on GuruFocus' analysis, Intercorp Financial Services stock appears to be overvalued. The current stock price of $56.05 is trading 74.9% above its estimated GF Value™ of $32.05. GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.

Key valuation signals for LIM:IFS:

  • E10: $4.05
  • GF Value™: $32.05 vs. price of $56.05 (74.9% above fair value)
  • GF Score™: 42/100 with 6 warning signs

No single metric tells the full story. See the LIM: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:USA9IFA: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.
42GF Score

Get the complete analysis for LIM:IFS

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

$56.05
Price
$32.05
GF Value