Corporación Financiera Colombiana S.A (CRPFY) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Corporación Financiera Colombiana S.A $14.17, price $8.50, upside +66.7%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $5.79 – $8.50 · fair‑value band $7.03 – $14.17 · the $8.50 price screens below the $14.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Corporación Financiera Colombiana S.A. operates as a private financial institution in Columbia and Central America. The company offers investment banking services, including mergers and acquisitions, syndicated contracts, capital markets, project financing, and consulting; and fundraising services.
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Corporación Financiera Colombiana S.A. operates as a private financial institution in Columbia and Central America. The company offers investment banking services, including mergers and acquisitions, syndicated contracts, capital markets, project financing, and consulting; and fundraising services. It also provides treasury products, consisting of legal tender, foreign currency, and investment and money market products; and commercial banking services. In addition, the company operates road concessions, and hotels; produces and commercializes palm oil, palm kernel oil, palm kernel cake, technically specified rubber, certified rice seed, and bio-inputs; and manufactures synthetic fabrics, products specialized in providing shadow, and enclosure solutions under the Polisombra brand, as well as bonding and fastening media for agro-industrial and home use. Further, the company distributes natural gas to users. Corporación Financiera Colombiana S.A. was incorporated in 1961 and is based in Bogotá, Colombia.
Stock analysis
Corporación Financiera Colombiana S.A (CRPFY) currently trades at $8.50, while our model-based Fair Value estimate is $14.17, implying the stock looks roughly 40.0% undervalued today.
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Valuation
How firm this estimate is: it rests on 15 models at a data quality of 85/100, which puts the evidence level at medium.
Scenario range: $7.03 (bear) to $14.17 (bull), the price of $8.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Corporación Financiera Colombiana S.A reported revenue of 10.9T COP in FY2025 versus 10.4T COP in FY2021, a compound +1.4%/yr. Reported net income was 439B COP in FY2025, compounding −23.4%/yr from FY2021.
Key figures
Market cap $1.6B · P/E ratio 4.0 · P/S ratio 0.16 · EPS (TTM) $2.10 · Dividend yield 6.4% · Net margin 4.0% · Return on equity 7.1% · Return on assets (EBIT) 4.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 7% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 67%, CRPFY screens cheaper than that median.
Fair Value models
Bear $7.03Fair Value $14.17Bull $14.17
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.54 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.27/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−1.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.4%
Start year 2020 (pandemic). Over 10 years: +7.7% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.9%
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What shareholders gained per year (last 5 years), in COP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in COP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−4.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−10.9%
Dividend (yield on the price)6.4%
Profit margin 2018 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.41% → 11%
Compare Corporación Financiera Colombiana S.A with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 659 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+67% · Above median
Profitability
Return on equity (TTM)7% · Above median
Return on assets2% · Below median
Net margin (TTM)5% · Below median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth1% · Below median
Dividend yield (TTM)6.4% · Above median
Balance sheet
Debt / equity1.15× · Highest 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (TTM)4.0× · Cheapest 25%
P/B0.39× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Corporación Financiera Colombiana S.A (CRPFY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $14.17 versus a price of $8.50, about +67% upside (undervalued).
What is the fair value of CRPFY?
Our model-based fair value for Corporación Financiera Colombiana S.A is $14.17 (as of Sep 24, 2026), built from audited fundamentals. The current price: $8.50.
What is the quality score of CRPFY?
Corporación Financiera Colombiana S.A has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Corporación Financiera Colombiana S.A (CRPFY)?
Our model-based price target is the fair value of $14.17 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario $7.03, optimistic scenario $14.17. It is a calculation from audited fundamentals, not an analyst target.
What is the Corporación Financiera Colombiana S.A stock forecast for 2026?
Our models put fair value at $14.17, about +67% upside versus a price of $8.50 (undervalued). Cautious scenario $7.03, optimistic scenario $14.17. The calculation is refreshed regularly with new filings.
What is the revenue of Corporación Financiera Colombiana S.A (CRPFY)?
Corporación Financiera Colombiana S.A reported trailing-twelve-month revenue of about 10.0T COP (latest available figure, as of Sep 24, 2026).
Does Corporación Financiera Colombiana S.A pay a dividend?
Corporación Financiera Colombiana S.A currently shows a dividend yield of about 6.41% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Corporación Financiera Colombiana S.A (CRPFY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Corporación Financiera Colombiana S.A it is $14.17 per share (as of Sep 24, 2026), against a price of $8.50. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Corporación Financiera Colombiana S.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CRPFY trades below its calculated fair value: price $8.50, fair value $14.17, a gap of about +67% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRPFY?
No. The price is what the market pays today ($8.50); the fair value is what the company's own numbers justify ($14.17). For Corporación Financiera Colombiana S.A the two are $5.67 per share apart. That gap is exactly why we show both numbers side by side.
How much is Corporación Financiera Colombiana S.A worth?
The market values Corporación Financiera Colombiana S.A at about $1.6B (market capitalisation, as of Sep 24, 2026). Per share that is $8.50; our models calculate a fair value of $14.17 per share.
What do the bullish and bearish scenarios say about CRPFY?
Our models span a range for Corporación Financiera Colombiana S.A: cautious scenario $7.03, base $14.17, optimistic $14.17 per share (as of Sep 24, 2026, price $8.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRPFY?
Corporación Financiera Colombiana S.A trades at a price-to-earnings ratio of 4.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.17 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.5, EV/EBITDA 9.7.
How solid is the balance sheet of Corporación Financiera Colombiana S.A (CRPFY)?
Balance-sheet figures for Corporación Financiera Colombiana S.A (as of Sep 24, 2026): return on equity 7.1%, debt of 1.15 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is CRPFY from its 52-week high?
Corporación Financiera Colombiana S.A trades at $8.50, at its 52-week high of $8.50 and 7% above the low of $7.96 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $14.17 is for.
Which stocks are comparable to Corporación Financiera Colombiana S.A?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Corporación Financiera Colombiana S.A stock attractive at the current price?
The data as of Sep 24, 2026: price $8.50, calculated fair value $14.17 (+67%), Quality Score 40/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRPFY calculated?
We run Corporación Financiera Colombiana S.A through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.17, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Corporación Financiera Colombiana S.A currently trades 67 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Corporación Financiera Colombiana S.A (CRPFY)?
The closing price on Sep 18, 2026 was $8.50. Our model-based fair value is $14.17, about +67% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Corporación Financiera Colombiana S.A right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. A fairly wide model range ($7.03 to $14.17) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Corporación Financiera Colombiana S.A
How large is the market capitalisation of Corporación Financiera Colombiana S.A (CRPFY)?
The market capitalisation of Corporación Financiera Colombiana S.A is $1.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Corporación Financiera Colombiana S.A (CRPFY)?
The price-to-sales ratio of Corporación Financiera Colombiana S.A is 0.16 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Corporación Financiera Colombiana S.A (CRPFY)?
Earnings per share at Corporación Financiera Colombiana S.A are $2.10 (price ÷ EPS = P/E 4.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Corporación Financiera Colombiana S.A (CRPFY)?
The dividend yield of Corporación Financiera Colombiana S.A is 6.4% (payout 25.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Corporación Financiera Colombiana S.A (CRPFY)?
The net margin of Corporación Financiera Colombiana S.A is 4.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Corporación Financiera Colombiana S.A (CRPFY)?
The return on equity (ROE) of Corporación Financiera Colombiana S.A is 7.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Corporación Financiera Colombiana S.A (CRPFY)?
On an EBIT basis the return on assets of Corporación Financiera Colombiana S.A is 4.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Corporación Financiera Colombiana S.A (CRPFY)?
Revenue at Corporación Financiera Colombiana S.A is growing +1.2% versus a year earlier (3y avg −2.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Corporación Financiera Colombiana S.A (CRPFY)?
Earnings per share at Corporación Financiera Colombiana S.A are growing +22.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Corporación Financiera Colombiana S.A (CRPFY) generate?
The free cash flow of Corporación Financiera Colombiana S.A is −2.1T COP (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Corporación Financiera Colombiana S.A (CRPFY) carry?
The net debt of Corporación Financiera Colombiana S.A is 19.8T COP (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 24, 2026