Banco Internacional del Peru - Interbank (LIM:INTERBC1) LT-Debt-to-Total-Asset: 0.10 (As of Dec. 2025)

What is Banco Internacional del Peru - Interbank LT-Debt-to-Total-Asset?

Banco Internacional del Peru - Interbank LIM:INTERBC1 39 LT-Debt-to-Total-Asset is 0.10 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Banco Internacional del Peru - Interbank's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.10.

Banco Internacional del Peru - Interbank's long-term debt to total assets ratio declined from Dec. 2023 (0.12) to Dec. 2025 (0.10). It may suggest that Banco Internacional del Peru - Interbank is progressively becoming less dependent on debt to grow their business.

Banco Internacional del Peru - Interbank (LIM:INTERBC1) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Banco Internacional del Peru - Interbank LT-Debt-to-Total-Asset Related Terms

Banco Internacional del Peru - Interbank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Banco Internacional del Peru - Interbank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Banco Internacional del Peru - Interbank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.13

0.12

0.10

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial												0.13	0.13	0.12	0.12	0.10

39GF Score

Banco Internacional del Peru - Interbank LIM:INTERBC1

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Banco Internacional del Peru - Interbank LT-Debt-to-Total-Asset Calculation

Banco Internacional del Peru - Interbank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	7781.332	/	76050.494
	=	0.10

Banco Internacional del Peru - Interbank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	7781.332	/	76050.494
	=	0.10

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.10 mean?

Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a LT-Debt-to-Total-Asset of 0.10 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banco Internacional del Peru - Interbank and its competitors.

Is Banco Internacional del Peru - Interbank's LT-Debt-to-Total-Asset too high?

Banco Internacional del Peru - Interbank's current LT-Debt-to-Total-Asset is 0.10. 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 LT-Debt-to-Total-Asset compare to PNC and USB?

Banco Internacional del Peru - Interbank's LT-Debt-to-Total-Asset of 0.10 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banco Internacional del Peru - Interbank and its competitors. Banco Internacional del Peru - Interbank's current LT-Debt-to-Total-Asset is 0.10. 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/.1.93 — trading 12.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.10. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current LT-Debt-to-Total-Asset is 0.10 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/.1.93 is trading 12.9% 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:

LT-Debt-to-Total-Asset: 0.10
GF Value™: S/.1.71 vs. price of S/.1.93 (12.9% 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

Industry Financial Services Banks

Comparable Companies LIM:BBVAC1 LIM:IFS LIM:FIBPRIME SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK NSE:SBIN PNC BSP:ITUB3 HKSE:01658 USB SGX:O39 LSE:LLOY

Address Avenida Carlos Villaran Number 140, Urb Santa Catalina, La Victoria, Lima, PER

Website https://www.interbank.pe

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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S/.1.93

Price

S/.1.71

GF Value

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