Intercorp Financial Services (LIM:IFS) ROE % Adjusted to Book Value: 12.67% (As of Mar. 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 ROE % Adjusted to Book Value?

Intercorp Financial Services LIM:IFS +0.63% 42 ROE % Adjusted to Book Value is 12.67% as of Mar. 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.

Intercorp Financial Services's ROE % for the quarter that ended in Mar. 2026 was 19.39%. Intercorp Financial Services's PB Ratio for the quarter that ended in Mar. 2026 was 1.53. Intercorp Financial Services's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.67%.


Intercorp Financial Services ROE % Adjusted to Book Value Related Terms


Intercorp Financial Services ROE % Adjusted to Book Value Historical Data

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The historical data trend for Intercorp Financial Services's ROE % Adjusted to Book 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.

Intercorp Financial Services ROE % Adjusted to Book Value Chart

Intercorp Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.82 18.47 12.91 12.22 12.88

Intercorp Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 16.04 12.25 11.74 12.67

LIM:IFS vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Intercorp Financial Services's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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.


Intercorp Financial Services ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Intercorp Financial Services's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Intercorp Financial Services's ROE % Adjusted to Book Value falls into.


LIM:IFS
42GF Score
Intercorp Financial Services Inc LIM:IFS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Intercorp Financial Services ROE % Adjusted to Book Value Calculation

Intercorp Financial Services's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=16.61% / 1.29
=12.88%

Intercorp Financial Services's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=19.39% / 1.53
=12.67%

* 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.

What does a ROE % Adjusted to Book Value of 12.67% mean?
Intercorp Financial Services (LIM:IFS) has a ROE % Adjusted to Book Value of 12.67% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Intercorp Financial Services and its competitors.
Is Intercorp Financial Services' ROE % Adjusted to Book Value too high?
Intercorp Financial Services' current ROE % Adjusted to Book Value is 12.67%. 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' ROE % Adjusted to Book Value compare to PNC and USB?
Intercorp Financial Services' ROE % Adjusted to Book Value of 12.67% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Intercorp Financial Services and its competitors. Intercorp Financial Services's current ROE % Adjusted to Book Value is 12.67%. 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 ROE % Adjusted to Book Value is 12.67%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current ROE % Adjusted to Book Value is 12.67% 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:

  • ROE % Adjusted to Book Value: 12.67%
  • 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.05
Price
$32.05
GF Value