Banco Internacional del Peru - Interbank (LIM:INTERBC1) FCF Margin %: 30.00% (As of Dec. 2025) — 48% Above Median


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 FCF Margin %?

Banco Internacional del Peru - Interbank LIM:INTERBC1 39 FCF Margin % is 30.00% as of Dec. 2025, which is 48% above its 10-year median of 20.21. 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. Among 1,505 Banks companies, Banco Internacional del Peru - Interbank ranks better than 56.48% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banco Internacional del Peru - Interbank's Free Cash Flow for the six months ended in Dec. 2025 was S/.1,566 Mil. Banco Internacional del Peru - Interbank's Revenue for the six months ended in Dec. 2025 was S/.5,220 Mil. Therefore, Banco Internacional del Peru - Interbank's FCF Margin % for the quarter that ended in Dec. 2025 was 30.00%.

As of today, Banco Internacional del Peru - Interbank's current FCF Yield % is 12.27%.

The historical rank and industry rank for Banco Internacional del Peru - Interbank's FCF Margin % or its related term are showing as below:

LIM:INTERBC1' s FCF Margin % Range Over the Past 10 Years
Min: -73.66   Med: 20.21   Max: 93.93
Current: 30


During the past 13 years, the highest FCF Margin % of Banco Internacional del Peru - Interbank was 93.93%. The lowest was -73.66%. And the median was 20.21%.

LIM:INTERBC1's FCF Margin % is ranked better than
56.48% of 1505 companies
in the Banks industry
Industry Median: 26.42 vs LIM:INTERBC1: 30.00


Banco Internacional del Peru - Interbank FCF Margin % Related Terms


Banco Internacional del Peru - Interbank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Banco Internacional del Peru - Interbank's FCF Margin % 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 FCF Margin % Chart

Banco Internacional del Peru - Interbank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -67.89 -11.28 -31.46 92.80 30.00

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
FCF Margin % 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 -67.89 -11.28 -31.46 92.80 30.00

LIM:INTERBC1 vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Banco Internacional del Peru - Interbank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

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

* The bar in red indicates where Banco Internacional del Peru - Interbank's FCF Margin % falls into.


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

Banco Internacional del Peru - Interbank FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Banco Internacional del Peru - Interbank's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=1565.969/5219.732
=30.00 %

Banco Internacional del Peru - Interbank's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=1565.969/5219.732
=30.00 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 30.00% mean?
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a FCF Margin % of 30.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Internacional del Peru - Interbank and its competitors. This is 48% above median its historical median of 20.21. According to the industry distribution chart, Banco Internacional del Peru - Interbank ranks #655 out of 1505 companies in the Banks industry, placing it in the top 43.5%.
Is Banco Internacional del Peru - Interbank's FCF Margin % too high?
Banco Internacional del Peru - Interbank's current FCF Margin % of 30.00% is 48% above median its 10-year median of 20.21. The Banks industry median FCF Margin % is 26.42. Banco Internacional del Peru - Interbank's value of 30.00% is 13.6% above this industry median. Based on the distribution chart, Banco Internacional del Peru - Interbank ranks #655 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional del Peru - Interbank ranks #655 out of 1505 companies for FCF Margin %. This puts Banco Internacional del Peru - Interbank in the upper half of its industry. The industry median FCF Margin % is 26.42. Banco Internacional del Peru - Interbank's value of 30.00% is 13.6% above this benchmark. While the company's 10-year median is 20.21 vs. the industry median of 26.42, Banco Internacional del Peru - Interbank 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Internacional del Peru - Interbank's current FCF Margin % of 30.00% is 13.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Internacional del Peru - Interbank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Internacional del Peru - Interbank's current FCF Margin % is 30.00%, which is 48% above median its own 10-year median of 20.21. 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 FCF Margin % is 30.00%, which is 48% above median its 10-year median of 20.21 and 13.6% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current FCF Margin % is 30.00% 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:

  • FCF Margin %: 30.00% (48% above median its 10-year median of 20.21)
  • GF Value™: S/.1.71 vs. price of S/.1.90 (11.1% above fair value)
  • GF Score™: 39/100 with 4 warning signs
  • Industry Position: 13.6% above the Banks median (#655 of 1505)

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

FCF Margin % 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