Intercorp Financial Services (LIM:IFS) Scaled Net Operating Assets: -0.11 (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 Scaled Net Operating Assets?

Intercorp Financial Services LIM:IFS +0.63% 42 Scaled Net Operating Assets is -0.11 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Intercorp Financial Services's operating assets for the quarter that ended in Mar. 2026 was $19,623 Mil. Intercorp Financial Services's operating liabilities for the quarter that ended in Mar. 2026 was $22,806 Mil. Intercorp Financial Services's Total Assets for the quarter that ended in Dec. 2025 was $29,144 Mil. Therefore, Intercorp Financial Services's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.11.

LIM:IFS
42GF Score
Intercorp Financial Services Inc LIM:IFS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Intercorp Financial Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Intercorp Financial Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(25500.725-22257.148)/28087.076
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=29143.945 - 3643.22
=25500.725

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=25490.757 - 2576.944 - 656.665
=22257.148

Intercorp Financial Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(19622.983-22805.969)/29143.945
=-0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=30082.181 - 10459.198
=19622.983

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=26433.558 - 2934.689 - 692.9
=22805.969

* 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 Scaled Net Operating Assets of -0.11 mean?
Intercorp Financial Services (LIM:IFS) has a Scaled Net Operating Assets of -0.11 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Intercorp Financial Services and its competitors.
Is Intercorp Financial Services' Scaled Net Operating Assets too high?
Intercorp Financial Services' current Scaled Net Operating Assets is -0.11. 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' Scaled Net Operating Assets compare to PNC and USB?
Intercorp Financial Services' Scaled Net Operating Assets of -0.11 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Intercorp Financial Services and its competitors. Intercorp Financial Services's current Scaled Net Operating Assets is -0.11. 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 Scaled Net Operating Assets is -0.11. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current Scaled Net Operating Assets is -0.11 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:

  • Scaled Net Operating Assets: -0.11
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.05
Price
$32.05
GF Value