Intercorp Financial ServicesLIM:IFS +0.63%42 EV-to-FCF is 12.99 as of Jun. 30, 2026, which is 232% above its 10-year median of 3.91. 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. Among 1,196 Banks companies, Intercorp Financial Services ranks worse than 71.74% on this metric.
The historical rank and industry rank for Intercorp Financial Services's EV-to-FCF or its related term are showing as below:
LIM:IFS'
s EV-to-FCF Range Over the Past 10 Years
Min: -37.03 Med: 3.91 Max: 59.5
Current: 12.99
During the past 13 years, the highest EV-to-FCF of Intercorp Financial Services was 59.50. The lowest was -37.03. And the median was 3.91.
LIM:IFS's EV-to-FCF is ranked worse than 71.74% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs LIM:IFS: 12.99
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Intercorp Financial Services's PE Ratio (TTM) for today is calculated as:
Intercorp Financial Services's share price for today is $56.05.
Intercorp Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.518.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Intercorp Financial Services EV-to-FCF Related Terms
Intercorp Financial Services EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's EV-to-FCF falls into.
Intercorp Financial Services's current Enterprise Value is $5,967 Mil.
Intercorp Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $459 Mil.
* 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 (LIM:IFS) has a EV-to-FCF of 12.99 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Intercorp Financial Services and its competitors. This is 232% above median its historical median of 3.91. According to the industry distribution chart, Intercorp Financial Services ranks #858 out of 1196 companies in the Banks industry, placing it in the top 71.7%.
Is Intercorp Financial Services' EV-to-FCF too high?
Intercorp Financial Services' current EV-to-FCF of 12.99 is 232% above median its 10-year median of 3.91. The Banks industry median EV-to-FCF is 6.55. Intercorp Financial Services' value of 12.99 is 98.5% above this industry median. Based on the distribution chart, Intercorp Financial Services ranks #858 out of 1196 companies in the Banks industry, which is below the industry midpoint. 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' EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #858 out of 1196 companies for EV-to-FCF. This places Intercorp Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.55. Intercorp Financial Services' value of 12.99 is 98.5% above this benchmark. While the company's 10-year median is 3.91 vs. the industry median of 6.55, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.55, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intercorp Financial Services's current EV-to-FCF of 12.99 is 98.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current EV-to-FCF is 12.99, which is 232% above median its own 10-year median of 3.91. 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 EV-to-FCF is 12.99, which is 232% above median its 10-year median of 3.91 and 98.5% above the Banks industry median of 6.55. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current EV-to-FCF is 12.99 as of Jun. 30, 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:
EV-to-FCF: 12.99 (232% above median its 10-year median of 3.91)
GF Value™: $32.05 vs. price of $56.05 (74.9% above fair value)
Industry Position: 98.5% above the Banks median (#858 of 1196)
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 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
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