Banco Pichincha CA (QUI:PCD) Peter Lynch Fair Value: N/A (As of Jul. 24, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

QUI:PCD Banco Pichincha CA QUI:PCD
100 GF Score
Price $142.00
GF Value $107.84
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Banco Pichincha CA Peter Lynch Fair Value?

Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.


The historical rank and industry rank for Banco Pichincha CA's Peter Lynch Fair Value or its related term are showing as below:



QUI:PCD's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Banks industry.
Industry Median: 1.12
* Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.

Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.


Banco Pichincha CA  (QUI:PCD) Peter Lynch Fair Value Explanation

Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.

Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.

Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 11.58 instead of 15 in this case.

Banco Pichincha CA's Price to Peter Lynch Fair Value Ratio for today is calculated as

Price to Peter Lynch Fair Value=Share Price/Peter Lynch Fair Value
=142.00/N/A
=N/A

* 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 Pichincha CA Peter Lynch Fair Value Related Terms


Banco Pichincha CA Peter Lynch Fair Value Historical Data

* Premium members only.

The historical data trend for Banco Pichincha CA's Peter Lynch Fair Value 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 Pichincha CA Peter Lynch Fair Value Chart

Banco Pichincha CA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Peter Lynch Fair Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Banco Pichincha CA Semi-Annual Data
Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Peter Lynch Fair Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

QUI:PCD vs PNC, USB: Peter Lynch Fair Value Comparison

For the Banks - Regional subindustry, Banco Pichincha CA's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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.


Banco Pichincha CA Price-to-Peter-Lynch-Fair-Value vs Banks Industry

For the Banks industry and Financial Services sector, Banco Pichincha CA's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:

* The bar in red indicates where Banco Pichincha CA's Price-to-Peter-Lynch-Fair-Value falls into.


QUI:PCD
100GF Score
Banco Pichincha CA QUI:PCD
Peter Lynch Fair Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Pichincha CA Peter Lynch Fair Value Calculation

Banco Pichincha CA's Peter Lynch Fair Value for today is calculated as

Peter Lynch Fair Value=PEG Ratio*5-Year TTM Book Value Growth Rate***EPS without NRI (TTM)
=1* 11.58 *0
=N/A

For company reported annually, GuruFocus uses latest annual data as the TTM data. Banco Pichincha CA's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00.


* 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.

** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.

If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.

If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.

Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.

Is Banco Pichincha CA (QUI:PCD) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued. The current stock price of $142.00 is trading 31.7% above its estimated GF Value™ of $107.84. GuruFocus considers Banco Pichincha CA to be Significantly Overvalued.

Key valuation signals for QUI:PCD:

  • Peter Lynch Fair Value: N/A
  • GF Value™: $107.84 vs. price of $142.00 (31.7% above fair value)
  • GF Score™: 100/100 with 3 warning signs

No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Pichincha CA Business Description

Other Exchanges PCD:Ecuador
Address Av Amazonas 4545, Pereira. Building Financial Center Office No. 507, Quito, ECU
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
100GF Score

Get the complete analysis for QUI:PCD

Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$142.00
Price
$107.84
GF Value