What is Intercorp Financial Services Net Margin %?
Intercorp Financial ServicesLIM:IFS +0.63%42 Net Margin % is 31.37% as of Mar. 2026, which is 24% above its 10-year median of 25.22. 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 1,530 Banks companies, Intercorp Financial Services ranks better than 58.43% on this metric.
The historical rank and industry rank for Intercorp Financial Services's Net Margin % or its related term are showing as below:
LIM:IFS'
s Net Margin % Range Over the Past 10 Years
Min: 7.73 Med: 25.22 Max: 33.73
Current: 29.26
LIM:IFS's Net Margin % is ranked better than 58.43% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs LIM:IFS: 29.26
Intercorp Financial Services (LIM:IFS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Intercorp Financial Services Net Margin % Related Terms
Intercorp Financial Services Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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.
Intercorp Financial Services Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's Net Margin % falls into.
* 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 Net Margin % of 31.37% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Intercorp Financial Services and its competitors. This is 24% above median its historical median of 25.22. Over the past decade, Intercorp Financial Services' Net Margin % has ranged from 7.73 to 33.73. According to the industry distribution chart, Intercorp Financial Services ranks #636 out of 1530 companies in the Banks industry, placing it in the top 41.6%.
Is Intercorp Financial Services' Net Margin % too high?
Intercorp Financial Services' current Net Margin % of 31.37% is 24% above median its 10-year median of 25.22. Over the past 10 years, this metric has ranged from a low of 7.73 to a high of 33.73. The Banks industry median Net Margin % is 26.85. Intercorp Financial Services' value of 31.37% is 16.9% above this industry median. Based on the distribution chart, Intercorp Financial Services ranks #636 out of 1530 companies in the Banks industry, which is above 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' Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #636 out of 1530 companies for Net Margin %. This puts Intercorp Financial Services in the upper half of its industry. The industry median Net Margin % is 26.85. Intercorp Financial Services' value of 31.37% is 16.9% above this benchmark. Historically, Intercorp Financial Services' own Net Margin % has ranged from 7.73 to 33.73 over the past decade. While the company's 10-year median is 25.22 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intercorp Financial Services's current Net Margin % of 31.37% is 16.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current Net Margin % is 31.37%, which is 24% above median its own 10-year median of 25.22. 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 Net Margin % is 31.37%, which is 24% above median its 10-year median of 25.22 and 16.9% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current Net Margin % is 31.37% as of Mar. 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:
Net Margin %: 31.37% (24% above median its 10-year median of 25.22)
GF Value™: $32.05 vs. price of $56.05 (74.9% above fair value)
Industry Position: 16.9% above the Banks median (#636 of 1530)
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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