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Intercorp Financial ServicesLIM:IFS 38 5-Year Yield-on-Cost % is 1.69 as of Jul. 16, 2026, which is 27% below its 10-year median of 2.30. GuruFocus rates LIM:IFS with a GF Score™ of 38/100 and a GF Value™ of $32.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, Intercorp Financial Services ranks worse than 85.74% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Intercorp Financial Services 5-Year Yield-on-Cost % Related Terms
LIM:IFS vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Intercorp Financial Services's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Intercorp Financial Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Intercorp Financial Services's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Intercorp Financial Services (LIM:IFS) has a 5-Year Yield-on-Cost % of 1.69 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Intercorp Financial Services and its competitors. This is 27% below median its historical median of 2.30. Over the past decade, Intercorp Financial Services' 5-Year Yield-on-Cost % has ranged from 1.03 to 7.88. According to the industry distribution chart, Intercorp Financial Services ranks #1076 out of 1255 companies in the Banks industry, placing it in the top 85.7%.
Is Intercorp Financial Services' 5-Year Yield-on-Cost % too high?
Intercorp Financial Services' current 5-Year Yield-on-Cost % of 1.69 is 27% below median its 10-year median of 2.30. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 7.88. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Intercorp Financial Services' value of 1.69 is 56.4% below this industry median. Based on the distribution chart, Intercorp Financial Services ranks #1076 out of 1255 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Intercorp Financial Services has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intercorp Financial Services' 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Intercorp Financial Services ranks #1076 out of 1255 companies for 5-Year Yield-on-Cost %. This places Intercorp Financial Services in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Intercorp Financial Services' value of 1.69 is 56.4% below this benchmark. Historically, Intercorp Financial Services' own 5-Year Yield-on-Cost % has ranged from 1.03 to 7.88 over the past decade. While the company's 10-year median is 2.30 vs. the industry median of 3.88, Intercorp Financial Services has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intercorp Financial Services's current 5-Year Yield-on-Cost % of 1.69 is 56.4% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Intercorp Financial Services and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intercorp Financial Services's current 5-Year Yield-on-Cost % is 1.69, which is 27% below median its own 10-year median of 2.30. 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 $32.03, compared to a current price of $59.97 — trading 87.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.69, which is 27% below median its 10-year median of 2.30 and 56.4% below the Banks industry median of 3.88. Intercorp Financial Services' overall GF Score™ is 38/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Intercorp Financial Services (LIM:IFS), the current 5-Year Yield-on-Cost % is 1.69 as of Jul. 16, 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 $59.97 is trading 87.2% above its estimated GF Value™ of $32.03.
GuruFocus considers Intercorp Financial Services to be Significantly Overvalued.
Key valuation signals for LIM:IFS:
5-Year Yield-on-Cost %: 1.69 (27% below median its 10-year median of 2.30)
GF Value™: $32.03 vs. price of $59.97 (87.2% above fair value)
Industry Position: 56.4% below the Banks median (#1076 of 1255)
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.
38GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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