* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's OCF 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 OCF Margin % of -5.49% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Intercorp Financial Services and its competitors. According to the industry distribution chart, Intercorp Financial Services ranks #743 out of 1504 companies in the Banks industry, placing it in the top 49.4%.
Is Intercorp Financial Services' OCF Margin % too high?
Intercorp Financial Services' current OCF Margin % is -5.49%. Based on the distribution chart, Intercorp Financial Services ranks #743 out of 1504 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' OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #743 out of 1504 companies for OCF Margin %. This puts Intercorp Financial Services in the upper half of its industry. The industry median OCF Margin % is 29.41. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current OCF Margin % is -5.49%. 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 OCF Margin % is -5.49%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current OCF Margin % is -5.49% 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:
OCF Margin %: -5.49%
GF Value™: $32.05 vs. price of $56.05 (74.9% above fair value)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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