Banco Internacional del Peru - Interbank (LIM:INTERBC1) Scaled Net Operating Assets: 0.08 (As of Dec. 2025)


LIM:INTERBC1 Banco Internacional del Peru - Interbank LIM:INTERBC1
39 GF Score
Price S/.1.90
GF Value S/.1.71
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Banco Internacional del Peru - Interbank Scaled Net Operating Assets?

Banco Internacional del Peru - Interbank LIM:INTERBC1 39 Scaled Net Operating Assets is 0.08 as of Dec. 2025. GuruFocus rates LIM:INTERBC1 with a GF Score™ of 39/100 and a GF Value™ of S/.1.71 (Modestly Overvalued). The stock has 4 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.

Banco Internacional del Peru - Interbank's operating assets for the quarter that ended in Dec. 2025 was S/.64,629 Mil. Banco Internacional del Peru - Interbank's operating liabilities for the quarter that ended in Dec. 2025 was S/.58,452 Mil. Banco Internacional del Peru - Interbank's Total Assets for the quarter that ended in Dec. 2024 was S/.72,953 Mil. Therefore, Banco Internacional del Peru - Interbank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.08.

LIM:INTERBC1
39GF Score
Banco Internacional del Peru - Interbank LIM:INTERBC1
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Internacional del Peru - Interbank 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.

Banco Internacional del Peru - Interbank'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 )
=(64629.443-58452.102)/72952.708
=0.08

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=76050.494 - 11421.051
=64629.443

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=66233.434 - 7781.332 - 0
=58452.102

Banco Internacional del Peru - Interbank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(64629.443-58452.102)/72952.708
=0.08

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=76050.494 - 11421.051
=64629.443

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=66233.434 - 7781.332 - 0
=58452.102

* 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 0.08 mean?
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a Scaled Net Operating Assets of 0.08 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banco Internacional del Peru - Interbank and its competitors.
Is Banco Internacional del Peru - Interbank's Scaled Net Operating Assets too high?
Banco Internacional del Peru - Interbank's current Scaled Net Operating Assets is 0.08. Overall, Banco Internacional del Peru - Interbank has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional del Peru - Interbank's Scaled Net Operating Assets compare to PNC and USB?
Banco Internacional del Peru - Interbank's Scaled Net Operating Assets of 0.08 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 Banco Internacional del Peru - Interbank and its competitors. Banco Internacional del Peru - Interbank's current Scaled Net Operating Assets is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional del Peru - Interbank stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank (LIM:INTERBC1) is currently considered Modestly Overvalued. The stock's GF Value™ is S/.1.71, compared to a current price of S/.1.90 — trading 11.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. Banco Internacional del Peru - Interbank's overall GF Score™ is 39/100 with 4 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 Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current Scaled Net Operating Assets is 0.08 as of Dec. 2025. 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 Banco Internacional del Peru - Interbank (LIM:INTERBC1) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank stock appears to be overvalued. The current stock price of S/.1.90 is trading 11.1% above its estimated GF Value™ of S/.1.71. GuruFocus considers Banco Internacional del Peru - Interbank to be Modestly Overvalued.

Key valuation signals for LIM:INTERBC1:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: S/.1.71 vs. price of S/.1.90 (11.1% above fair value)
  • GF Score™: 39/100 with 4 warning signs

No single metric tells the full story. See the LIM:INTERBC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Internacional del Peru - Interbank Business Description

Address Avenida Carlos Villaran Number 140, Urb Santa Catalina, La Victoria, Lima, PER
Banco Internacional del Peru - Interbank provides banking and related financial services. The company performs all banking functions with its main business being attracting money and lending to companies and individuals. Its products inlcude credits cars, debit cards, savings accounts, salary account, personal loan, vehicle credit, mortgages, investment funds and deposit, interbank insurance, sending and receiving money, pay bills and currency exchange.
39GF Score

Get the complete analysis for LIM:INTERBC1

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

S/.1.90
Price
S/.1.71
GF Value