INTERBC1 Stock Overview
Banco Internacional del Perú S.A.A. - Interbank provides various banking products and financial services to individuals, companies and institutions, and small businesses primarily in Peru.
Banco Internacional del PerúA. - Interbank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||S/2.87|
|52 Week High||S/3.15|
|52 Week Low||S/2.70|
|1 Month Change||-3.69%|
|3 Month Change||0.70%|
|1 Year Change||-21.47%|
|3 Year Change||-19.37%|
|5 Year Change||19.42%|
|Change since IPO||2,345.65%|
Recent News & Updates
|INTERBC1||PE Banks||PE Market|
Return vs Industry: INTERBC1 underperformed the PE Banks industry which returned -10.3% over the past year.
Return vs Market: INTERBC1 underperformed the PE Market which returned 3.7% over the past year.
|INTERBC1 Average Weekly Movement||4.8%|
|Banks Industry Average Movement||5.2%|
|Market Average Movement||4.5%|
|10% most volatile stocks in PE Market||8.1%|
|10% least volatile stocks in PE Market||1.1%|
Stable Share Price: INTERBC1 is not significantly more volatile than the rest of PE stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: INTERBC1's weekly volatility (5%) has been stable over the past year.
About the Company
|1897||6,363||Luis Felipe Castellanos Lopez-Torres||https://interbank.pe|
Banco Internacional del Perú S.A.A. - Interbank provides various banking products and financial services to individuals, companies and institutions, and small businesses primarily in Peru. The company accepts term deposits, savings and business accounts, and salary account. It also provides personal, digital, cash, study, and other loans; loans for public workers; vehicle loans; working capital; foreign trade; financing services; letters of guarantee; and debit, credit, and other cards.
Banco Internacional del PerúA. - Interbank Fundamentals Summary
|INTERBC1 fundamental statistics|
Is INTERBC1 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|INTERBC1 income statement (TTM)|
|Cost of Revenue||S/0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.24|
|Net Profit Margin||33.42%|
How did INTERBC1 perform over the long term?See historical performance and comparison
4.2%Current Dividend Yield
Is Banco Internacional del PerúA. - Interbank undervalued compared to its fair value and its price relative to the market?
Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: INTERBC1 (PEN2.87) is trading above our estimate of fair value (PEN1.79)
Significantly Below Fair Value: INTERBC1 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: INTERBC1 is poor value based on its Price-To-Earnings Ratio (11.8x) compared to the PE Banks industry average (9.9x).
PE vs Market: INTERBC1 is poor value based on its Price-To-Earnings Ratio (11.8x) compared to the PE market (6.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate INTERBC1's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: INTERBC1 is overvalued based on its Price-To-Book Ratio (2.1x) compared to the PE Banks industry average (1.4x).
How is Banco Internacional del PerúA. - Interbank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco Internacional del PerúA. - Interbank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Banco Internacional del PerúA. - Interbank performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: INTERBC1 has a high level of non-cash earnings.
Growing Profit Margin: INTERBC1's current net profit margins (33.4%) are higher than last year (10.6%).
Past Earnings Growth Analysis
Earnings Trend: INTERBC1's earnings have declined by 7.3% per year over the past 5 years.
Accelerating Growth: INTERBC1's earnings growth over the past year (353.2%) exceeds its 5-year average (-7.3% per year).
Earnings vs Industry: INTERBC1 earnings growth over the past year (353.2%) exceeded the Banks industry 295.2%.
Return on Equity
High ROE: INTERBC1's Return on Equity (17.6%) is considered low.
How is Banco Internacional del PerúA. - Interbank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: INTERBC1's Assets to Equity ratio (10x) is moderate.
Allowance for Bad Loans: INTERBC1 has a sufficient allowance for bad loans (133%).
Low Risk Liabilities: 73% of INTERBC1's liabilities are made up of primarily low risk sources of funding.
Loan Level: INTERBC1 has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: INTERBC1's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: INTERBC1 has a high level of bad loans (3.6%).
What is Banco Internacional del PerúA. - Interbank current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: INTERBC1's dividend (4.23%) isn’t notable compared to the bottom 25% of dividend payers in the PE market (6.56%).
High Dividend: INTERBC1's dividend (4.23%) is low compared to the top 25% of dividend payers in the PE market (24.01%).
Stability and Growth of Payments
Stable Dividend: INTERBC1's dividends per share have been stable in the past 10 years.
Growing Dividend: INTERBC1's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (50%), INTERBC1's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Luis Felipe Castellanos Lopez-Torres (51 yo)
Lord Luis Felipe Castellanos Castellanos Lopez Torres serves as a Director of Excelsa Acquisition Corp. He serves as Chief Executive Officer at Banco Internacional del Perú SAA -Interbank (formerly known...
Experienced Management: INTERBC1's management team is seasoned and experienced (6.7 years average tenure).
Experienced Board: INTERBC1's board of directors are seasoned and experienced ( 15.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco Internacional del Perú S.A.A. - Interbank's employee growth, exchange listings and data sources
- Name: Banco Internacional del Perú S.A.A. - Interbank
- Ticker: INTERBC1
- Exchange: BVL
- Founded: 1897
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: S/14.187b
- Shares outstanding: 4.94b
- Website: https://interbank.pe
Number of Employees
- Banco Internacional del Perú S.A.A. - Interbank
- Av. Carlos Villarán No. 140
- Urb. Santa Catalina
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/25 00:00|
|End of Day Share Price||2022/05/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.