Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/9IFA stock hub

FRA/9IFA has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

4.3B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/9IFA

In the news

Latest news · FRA/9IFA

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.9

P25 n/aP50 n/aP75 n/a

Trailing P/E8.8

P25 n/aP50 n/aP75 n/a

ROE16.6

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/9IFA market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

170

Groups with data

Currency

PEN

Showing 170 of 170 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Panama
Country code	DE
Employees	9,229
Employees Change	209%
Employees Change Percent	2.51
Exchange	Frankfurt Stock Exchange
Financial currency	PEN
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 4.3B
Price	EUR 37.6
Price currency	EUR
Rev Per Employee	150,806.1x
Sic	6020
Symbol	fra/9IFA
Website	https://ifs.com.pe

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.4%
FCF yield	-3.98%
Forward P/E	7.95x
P/B ratio	1.36x
P/E ratio	8.77x
P/S ratio	3.08x
PE Ratio10 Y	11.59x
PE Ratio3 Y	8.71x
PE Ratio5 Y	8.41x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 1.4B
Net Income	EUR 489.2M
Net Income Growth	48.64%
Net Income Growth Q	-5.98%
Net Income Growth3 Y	5.03%
Net Income Growth5 Y	38.21%
Pretax Margin	44.99%
Profit Margin	35.15%
Profit Per Employee	EUR 53,011
ROA	2
Roa5y	1.71
ROE	16.61
Roe5y	15.8

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	10.05%
Cagr1y	28.78%
Cagr3y	28.41%
Cagr5y	19.09%
Div CAGR10	2.95%
Div CAGR3	12.88%
Div CAGR5	19.24%
EPS Growth	52.07
EPS Growth Q	-2.78
EPS Growth3 Y	6.18
EPS Growth5 Y	39.12
Revenue Growth	22.55x
Revenue Growth Q	1.12x
Revenue Growth3 Y	4.82x
Revenue Growth5 Y	19.44x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 25.1B
Cash	EUR 1.2B
Debt	EUR 3.3B
Debt FCF	EUR -19.5
Equity	EUR 3.1B
Liabilities	EUR 21.9B
Net Cash	EUR -2.2B
Net Cash By Market Cap	EUR -50.77
Net Debt Equity	EUR 0.69
Tangible Book Value	EUR 2.7B
Tangible Book Value Per Share	EUR 24.44

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -11.8B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.25%
Dividend Growth	74.68%
Dividend Growth Years	0%
Dividend per share	EUR 1.54
Dividend Years	13
Dividend Yield	4.09%
Ex Div Date	2026-04-24
Last Dividend	EUR 1.54
Payout Frequency	Annual
Payout Ratio	21.05%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	160.54%
1Y total return	28.76%
200-day SMA	36.8
3Y total return	111.79%
50-day SMA	40.22
50-day SMA vs 200-day SMA	50over200
5Y total return	139.52%
All Time High	44.4
All Time High Change	-15.32%
All Time High Date	2026-04-13
All Time Low	15
All Time Low Change	150.67%
All Time Low Date	2021-08-09
ATR	1.12
Ch YTD	4.44
High	38
High52	44.4
High52 Date	2026-04-13
High52ch	-15.32%
Low	37.6
Low52	30
Low52 Date	2025-06-05
Low52ch	25.33%
Ma50ch	-6.51%
Price vs 200-day SMA	2.19%
RSI	38.96
RSI Monthly	61.44
RSI Weekly	48.73
Sharpe ratio	0.9x
Sortino ratio	1.47
Total Return	6.34%
Tr YTD	8.73
Tr1m	-7.68%
Tr1w	1.08%
Tr3m	-8.12%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 591.8M
Operating margin	42.52

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	29,509,538%
Net Borrowing	23,413,422.5
Shares Insiders	0.03%
Shares Institutions	16.86%
Shares Qo Q	-1.04%
Shares Yo Y	-2.25%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -170.9M
Average Volume	23.55x
Bv Per Share	28.14
CAPEX	EUR -76.3M
Ch10y	61.97
Ch1m	-11.32
Ch1w	1.08
Ch1y	23.68
Ch3m	-11.74
Ch3y	88
Ch5y	84.31
Ch6m	4.44
Change	-1.57%
Change From Open	-1.05
Close	38.2
Days Gap	-0.52
Earnings Date	2026-05-11
EPS	EUR 4.38
F Score	2
FCF	EUR -170.9M
Financing CF	457,485,838
Fiscal Year End	December
Founded	1,897
Goodwill	164,652,158.5
Graham Number	51.56357
Graham Upside	37.14
Income Tax	EUR 134.2M
Investing CF	-237,611,693
Is Primary Listing	0
Last Earnings Date	2026-02-11
Last Report Date	2025-12-31
Lynch Fair Value	EUR 107
Lynch Upside	185.1
Ma150	37.95
Ma150ch	-0.93%
Ma20	39.43
Ma20ch	-4.64%
Net CF	93,817,380
Next Earnings Date	2026-05-11
Open	38
Payment Date	2026-05-05
Position In Range	0
Ppne	238,040,399.6
Price Date	2026-05-08
Ptbv Ratio	1.58
Relative Volume	2x
Revenue	1,391,789,498x
Tax By Revenue	9.65x
Tax Rate	21.44%
Tr6m	8.73%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/9IFA dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+4.1%

$1.54 annual per share

Payout ratio

+21.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+19.2%

0 consecutive years of growth

Total shareholder yield

+6.3%

Next ex-dividend date: 2026-04-24

Performance

FRA/9IFA stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/9IFA?

Insider, institutional, and short-interest positioning.

Institutional ownership

+16.9%

Share of float held by funds and institutions

Insider ownership

+0.0%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-2.3%

Negative means the company is buying back shares.

Technical

FRA/9IFA momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

39.0

Neutral momentum band

Price vs 200-day MA

+2.2%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.90

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/9IFA

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/9IFA stock rating?

fra/9IFA is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/9IFA analysis?

The full report lives at /stocks/fra/9IFA/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/9IFA?

The latest report frames fra/9IFA around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/9IFA page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.