Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Intercorp Financial Services's Intrinsic Value: Projected FCF or its related term are showing as below:
IFS'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.16 Med: 0.37 Max: 0.85
Current: 0.47
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Intercorp Financial Services was 0.85. The lowest was 0.16. And the median was 0.37.
IFS's Price-to-Projected-FCF is ranked better than 65.54% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs IFS: 0.47
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Intercorp Financial Services's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
55.52
/
132.77952471841
=
0.42
* 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 Intrinsic Value: Projected FCF Related Terms
Intercorp Financial Services Intrinsic Value: Projected 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.
IFS vs USB, PNC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Intercorp Financial Services's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $119.09 mean?
Intercorp Financial Services (IFS) has a Intrinsic Value: Projected FCF of $119.09 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Intercorp Financial Services and its competitors. According to the industry distribution chart, Intercorp Financial Services ranks #448 out of 1300 companies in the Banks industry, placing it in the top 34.5%.
Is Intercorp Financial Services' Intrinsic Value: Projected FCF too high?
Intercorp Financial Services' current Intrinsic Value: Projected FCF is $119.09. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Intercorp Financial Services' value of $119.09 is 19748.3% above this industry median. Based on the distribution chart, Intercorp Financial Services ranks #448 out of 1300 companies in the Banks industry, which is above the industry midpoint. Overall, Intercorp Financial Services has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intercorp Financial Services' Intrinsic Value: Projected FCF compare to USB and PNC?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #448 out of 1300 companies for Intrinsic Value: Projected FCF. This puts Intercorp Financial Services in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Intercorp Financial Services' value of $119.09 is 19748.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intercorp Financial Services's current Intrinsic Value: Projected FCF of $119.09 is 19748.3% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current Intrinsic Value: Projected FCF is $119.09. 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 (IFS) is currently considered Significantly Overvalued. The stock's GF Value™ is $38.43, compared to a current price of $55.52 — trading 44.5% above its estimated fair value. The current Intrinsic Value: Projected FCF is $119.09 and 19748.3% above the Banks industry median of 0.60. Intercorp Financial Services' overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Intercorp Financial Services (IFS), the current Intrinsic Value: Projected FCF is $119.09 as of Sep. 21, 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 (IFS) Overvalued in 2026?
Based on GuruFocus' analysis, Intercorp Financial Services stock appears to be overvalued.
The current stock price of $55.52 is trading 44.5% above its estimated GF Value™ of $38.43.
GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.
Key valuation signals for IFS:
Intrinsic Value: Projected FCF: $119.09
GF Value™: $38.43 vs. price of $55.52 (44.5% above fair value)
Industry Position: 19748.3% above the Banks median (#448 of 1300)
No single metric tells the full story. See the 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.
72GF Score
Get the complete analysis for IFS
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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