Banco Internacional del Peru - Interbank (LIM:INTERBC1) E10: S/.0.18 (As of Dec. 2025)


LIM:INTERBC1 Banco Internacional del Peru - Interbank LIM:INTERBC1
39 GF Score
Price S/.1.90
GF Value S/.1.71
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Banco Internacional del Peru - Interbank E10?

Banco Internacional del Peru - Interbank LIM:INTERBC1 39 E10 is S/.0.18 as of Dec. 2025. GuruFocus rates LIM:INTERBC1 with a GF Score™ of 39/100 and a GF Value™ of S/.1.71 (Modestly Overvalued). The stock has 4 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.

Banco Internacional del Peru - Interbank's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was S/.0.217. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is S/.0.18 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Banco Internacional del Peru - Interbank's average E10 Growth Rate was 5.90% per year. During the past 3 years, the average E10 Growth Rate was 1.90% per year. During the past 5 years, the average E10 Growth Rate was 4.80% 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 Banco Internacional del Peru - Interbank was 6.70% per year. The lowest was 1.90% per year. And the median was 4.30% per year.

As of today (2026-06-25), Banco Internacional del Peru - Interbank's current stock price is S/. 1.90. Banco Internacional del Peru - Interbank's E10 for the fiscal year that ended in Dec. 2025 was S/.0.18. Banco Internacional del Peru - Interbank's Shiller PE Ratio of today is 10.56.

During the past 13 years, the highest Shiller PE Ratio of Banco Internacional del Peru - Interbank was 23.22. The lowest was 7.79. And the median was 13.79.


Banco Internacional del Peru - Interbank  (LIM:INTERBC1) 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.

Banco Internacional del Peru - Interbank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1.90/0.18
=10.56

* 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 Banco Internacional del Peru - Interbank was 23.22. The lowest was 7.79. And the median was 13.79.


Be Aware

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


Banco Internacional del Peru - Interbank E10 Related Terms


Banco Internacional del Peru - Interbank E10 Historical Data

* Premium members only.

The historical data trend for Banco Internacional del Peru - Interbank'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.

Banco Internacional del Peru - Interbank E10 Chart

Banco Internacional del Peru - Interbank 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 0.15 0.17 0.17 0.17 0.18

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
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 0.15 0.17 0.17 0.17 0.18

LIM:INTERBC1 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banco Internacional del Peru - Interbank'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.


Banco Internacional del Peru - Interbank Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Banco Internacional del Peru - Interbank's Shiller PE Ratio falls into.


LIM:INTERBC1
39GF Score
Banco Internacional del Peru - Interbank LIM:INTERBC1
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Internacional del Peru - Interbank 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, Banco Internacional del Peru - Interbank's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.217/324.0540*324.0540
=0.217

Current CPI (Dec. 2025) = 324.0540.

Banco Internacional del Peru - Interbank Annual Data

per_share_eps CPI Adj_EPS
201612 0.156 241.432 0.209
201712 0.161 246.524 0.212
201812 0.155 251.233 0.200
201912 0.182 256.974 0.230
202012 0.040 260.474 0.050
202112 0.179 278.802 0.208
202212 0.174 296.797 0.190
202312 0.134 306.746 0.142
202412 0.139 315.605 0.143
202512 0.217 324.054 0.217

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 S/.0.18 mean?
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a E10 of S/.0.18 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banco Internacional del Peru - Interbank and its competitors.
Is Banco Internacional del Peru - Interbank's E10 too high?
Banco Internacional del Peru - Interbank's current E10 is S/.0.18. 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 E10 compare to PNC and USB?
Banco Internacional del Peru - Interbank's E10 of S/.0.18 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 Banco Internacional del Peru - Interbank and its competitors. Banco Internacional del Peru - Interbank's current E10 is S/.0.18. 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/.1.71, compared to a current price of S/.1.90 — trading 11.1% above its estimated fair value. The current E10 is S/.0.18. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current E10 is S/.0.18 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/.1.90 is trading 11.1% above its estimated GF Value™ of S/.1.71. GuruFocus considers Banco Internacional del Peru - Interbank to be Modestly Overvalued.

Key valuation signals for LIM:INTERBC1:

  • E10: S/.0.18
  • GF Value™: S/.1.71 vs. price of S/.1.90 (11.1% 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

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

S/.1.90
Price
S/.1.71
GF Value