Intercorp Financial Services (LIM:IFS) Margin of Safety % (DCF FCF Based): -15.97% (As of Jun. 30, 2026)


LIM:IFS Intercorp Financial Services Inc LIM:IFS
42 GF Score
Price $56.05
GF Value $32.05
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Intercorp Financial Services Margin of Safety % (DCF FCF Based)?

Intercorp Financial Services LIM:IFS +0.63% 42 Margin of Safety % (DCF FCF Based) is -15.97% as of Jun. 30, 2026. 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-30), Intercorp Financial Services's Predictability Rank is 3-Stars. Intercorp Financial Services's intrinsic value calculated from the Discounted FCF model is $62.79 and current share price is $56.05. Consequently,

Intercorp Financial Services's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -15.97%.

LIM:IFS vs PNC, USB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Intercorp Financial Services's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Intercorp Financial Services's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Intercorp Financial Services's Margin of Safety % (DCF FCF Based) falls into.


LIM:IFS
42GF Score
Intercorp Financial Services Inc LIM:IFS
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Intercorp Financial Services Margin of Safety % (DCF FCF Based) Calculation

Intercorp Financial Services's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(48.33-56.05)/48.33
=-15.97 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -15.97% mean?
Intercorp Financial Services (LIM:IFS) has a Margin of Safety % (DCF FCF Based) of -15.97% as of Jun. 30, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Intercorp Financial Services.
Is Intercorp Financial Services' Margin of Safety % (DCF FCF Based) too high?
Intercorp Financial Services' current Margin of Safety % (DCF FCF Based) is -15.97%. 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' Margin of Safety % (DCF FCF Based) compare to PNC and USB?
Intercorp Financial Services' Margin of Safety % (DCF FCF Based) of -15.97% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Intercorp Financial Services. Intercorp Financial Services's current Margin of Safety % (DCF FCF Based) is -15.97%. 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 Margin of Safety % (DCF FCF Based) is -15.97%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current Margin of Safety % (DCF FCF Based) is -15.97% 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:

  • Margin of Safety % (DCF FCF Based): -15.97%
  • GF Value™: $32.05 vs. price of $56.05 (74.9% above fair value)
  • GF Score™: 42/100 with 6 warning signs

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 Business Description

Other Exchanges IFS:USA9IFA:Germany
Address Avenue Carlos Villaran 140, 5th Floor, Urbanizacion Santa Catalina, La Victoria, Lima, PER, 13
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

Get the complete analysis for LIM:IFS

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.05
Price
$32.05
GF Value