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Banco Internacional del PerúA. - Interbank BVL:INTERBC1 Stock Report

Last Price

S/2.87

Market Cap

S/14.2b

7D

4.4%

1Y

-21.5%

Updated

25 May, 2022

Data

Company Financials
INTERBC1 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance3/6
Financial Health5/6
Dividends3/6

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

Summary of all time highs, changes and price drops for Banco Internacional del PerúA. - Interbank
Historical stock prices
Current Share PriceS/2.87
52 Week HighS/3.15
52 Week LowS/2.70
Beta0.11
1 Month Change-3.69%
3 Month Change0.70%
1 Year Change-21.47%
3 Year Change-19.37%
5 Year Change19.42%
Change since IPO2,345.65%

Recent News & Updates

Shareholder Returns

INTERBC1PE BanksPE Market
7D4.4%1.8%-0.4%
1Y-21.5%-9.5%4.2%

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.

Price Volatility

Is INTERBC1's price volatile compared to industry and market?
INTERBC1 volatility
INTERBC1 Average Weekly Movement4.8%
Banks Industry Average Movement5.2%
Market Average Movement4.5%
10% most volatile stocks in PE Market8.1%
10% least volatile stocks in PE Market1.1%

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

FoundedEmployeesCEOWebsite
18976,363Luis Felipe Castellanos Lopez-Torreshttps://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

How do Banco Internacional del PerúA. - Interbank's earnings and revenue compare to its market cap?
INTERBC1 fundamental statistics
Market CapS/14.19b
Earnings (TTM)S/1.20b
Revenue (TTM)S/3.59b

11.8x

P/E Ratio

2.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
INTERBC1 income statement (TTM)
RevenueS/3.59b
Cost of RevenueS/0
Gross ProfitS/3.59b
Other ExpensesS/2.39b
EarningsS/1.20b

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.24
Gross Margin100.00%
Net Profit Margin33.42%
Debt/Equity Ratio227.4%

How did INTERBC1 perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

50%

Payout Ratio

Valuation

Is Banco Internacional del PerúA. - Interbank undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


11.82x

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).


Future Growth

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 Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


8.3%

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.


Past Performance

How has Banco Internacional del PerúA. - Interbank performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-7.3%

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.


Financial Health

How is Banco Internacional del PerúA. - Interbank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

5/6

Financial Health Score 5/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


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%).


Dividend

What is Banco Internacional del PerúA. - Interbank current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


4.23%

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

Management

How experienced are the management team and are they aligned to shareholders interests?

6.7yrs

Average management tenure


CEO

Luis Felipe Castellanos Lopez-Torres (51 yo)

11.33yrs

Tenure

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...


Leadership Team

Experienced Management: INTERBC1's management team is seasoned and experienced (6.7 years average tenure).


Board Members

Experienced Board: INTERBC1's board of directors are seasoned and experienced ( 15.2 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Banco Internacional del Perú S.A.A. - Interbank's employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Banco Internacional del Perú S.A.A. - Interbank
  • Av. Carlos Villarán No. 140
  • Urb. Santa Catalina
  • Lima
  • Lima
  • Peru

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/25 00:00
End of Day Share Price2022/05/24 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.