Intercorp Financial Services Inc stock PB Ratio (=1.72) is close to 5-year high of 1.73.
The historical rank and industry rank for Intercorp Financial Services's PB Ratio or its related term are showing as below:
LIM:IFS'
s PB Ratio Range Over the Past 10 Years
Min: 0.77 Med: 1.37 Max: 2.7
Current: 1.72
During the past 13 years, Intercorp Financial Services's highest PB Ratio was 2.70. The lowest was 0.77. And the median was 1.37.
LIM:IFS's PB Ratio is ranked worse than 84.66% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs LIM:IFS: 1.72
During the past 3 years, the average Book Value Per Share Growth Rate was 11.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Intercorp Financial Services was 32.50% per year. The lowest was 1.90% per year. And the median was 12.70% per year.
Back to Basics: PB Ratio
Intercorp Financial Services (LIM:IFS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Intercorp Financial Services PB Ratio Related Terms
Intercorp Financial Services PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Intercorp Financial Services (LIM:IFS) has a PB Ratio of 1.72 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Intercorp Financial Services and its competitors. This is 26% above median its historical median of 1.37. Over the past decade, Intercorp Financial Services' PB Ratio has ranged from 0.77 to 2.70. According to the industry distribution chart, Intercorp Financial Services ranks #1286 out of 1519 companies in the Banks industry, placing it in the top 84.7%.
Is Intercorp Financial Services' PB Ratio too high?
Intercorp Financial Services' current PB Ratio of 1.72 is 26% above median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 2.70. The Banks industry median PB Ratio is 1.09. Intercorp Financial Services' value of 1.72 is 57.8% above this industry median. Based on the distribution chart, Intercorp Financial Services ranks #1286 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #1286 out of 1519 companies for PB Ratio. This places Intercorp Financial Services in the lower half of its industry. The industry median PB Ratio is 1.09. Intercorp Financial Services' value of 1.72 is 57.8% above this benchmark. Historically, Intercorp Financial Services' own PB Ratio has ranged from 0.77 to 2.70 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intercorp Financial Services's current PB Ratio of 1.72 is 57.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current PB Ratio is 1.72, which is 26% above median its own 10-year median of 1.37. 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 PB Ratio is 1.72, which is 26% above median its 10-year median of 1.37 and 57.8% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current PB Ratio is 1.72 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:
PB Ratio: 1.72 (26% above median its 10-year median of 1.37)
GF Value™: $32.05 vs. price of $56.05 (74.9% above fair value)
Industry Position: 57.8% above the Banks median (#1286 of 1519)
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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