Grupo de Inversiones Suramericana S.A (GIVPY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Grupo de Inversiones Suramericana S.A $11.50, price $5.75, upside +100.0%, quality 56 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 $2.33 – $7.49 · fair‑value band $8.62 – $11.89 · the $5.75 price screens below the $11.50 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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Grupo de Inversiones Suramericana S.A., through its subsidiaries, invests in the financial services sector in Colombia, Chile, Mexico, Brazil, Uruguay, Panama, Peru, Dominican Republic, El Salvador, Argentina, the United States, Luxembourg, and Bermuda.
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Grupo de Inversiones Suramericana S.A., through its subsidiaries, invests in the financial services sector in Colombia, Chile, Mexico, Brazil, Uruguay, Panama, Peru, Dominican Republic, El Salvador, Argentina, the United States, Luxembourg, and Bermuda. The company offers pension funds, savings, investment, and asset management services; life, non-life, and health insurance; reinsurance; pension insurance and annuities; risk management; management consulting, securities brokerage, and data processing services; medical, paramedical, and dental; clinical laboratory and imaging; consulting; intermediation; financial and investment management; marketing and promotion; and health services. It also involves in the marketing of telecommunication products and solutions; investments in movable and immovable property; vehicle inspection, repair, purchase, selling, and assistance services; various commercial activities; development of digital channels; acts, contracts, services, and operations of trust companies; design, development, production, operation, maintenance, and commercialization of software systems, solutions, and products; financial products and services; and management of mutual funds and investments. In addition, the company purchases and sells securities; leases computer equipment; administers intellectual property, franchises, concessions, and authorizations; collects Mexican art; outsources information processing services; and acts as trustee in titling processes. Further, it is involved in the real estate activities with own or leased properties; investment in personal property; manage and operate private and public investment vehicles through trusts; marketing of goods, and leasing and other services; and management of investment companies. The company was formerly known as Suramericana de Inversiones SA and changed its name to Grupo de Inversiones Suramericana S.A. in April 2009. The company was founded in 1944 and is headquartered in Medellín, Colombia.
Stock analysis
Grupo de Inversiones Suramericana S.A (GIVPY) currently trades at $5.75, while our model-based Fair Value estimate is $11.50, implying the stock looks roughly 50.0% undervalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 88/100, which puts the evidence level at medium.
Scenario range: $8.62 (bear) to $11.89 (bull), the price of $5.75 sits below 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 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Grupo de Inversiones Suramericana S.A reported revenue of 30.6T COP in FY2025 versus 24.3T COP in FY2021, a compound +5.9%/yr. Reported net income was 1.3T COP in FY2025, compounding −1.7%/yr from FY2021.
Key figures
Market cap $1.9B · P/E ratio 2.0 · P/S ratio 0.09 · EPS (TTM) $2.85 · Dividend yield 5.1% · Net margin 4.3% · Return on equity 9.2% · Return on assets (EBIT) 4.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 8% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at 100%, GIVPY screens cheaper than that median.
Fair Value models
Bear $8.62Fair Value $11.50Bull $11.89
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 ($2.12 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.6%
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.
+1.6%
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.
+8.6%
Start year 2020 (pandemic). Over 10 years: +8.9% a year
Revenue growth 18 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.
+11.0%
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What shareholders gained per year (last 5 years), in COP (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+88.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+83.4%
Dividend (yield on the price)5.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.27.0% vs 15.4%, picking up
Profit margin 2020 to 2025 ⓘ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.0% → 9%
2025 sits 124% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−11.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in COP, Colombia: IMF forecast 4.1% a year to 2030, 5.8% from 2016 to 2025) that is about −14.6% a year for the price.
Compare Grupo de Inversiones Suramericana S.A with another stock
Price, fair value, quality and upside side by side.
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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.Insurance - Diversified · 83 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)9.2% · Below median
Return on assets3.0% · Above median
Net margin (TTM)6.3% · Below median
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth10.4% · Above median
Dividend yield (TTM)5.1% · Above median
Balance sheet
Debt / equity0.55× · Highest 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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.
Cite: Fair Value Calculator (2026). "Grupo de Inversiones Suramericana S.A Fair Value". https://www.fairvalue-calculator.com/stock/GIVPY
Frequently asked questions
Is Grupo de Inversiones Suramericana S.A (GIVPY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $11.50 versus a price of $5.75, about +100% upside (undervalued).
What is the fair value of GIVPY?
Our model-based fair value for Grupo de Inversiones Suramericana S.A is $11.50 (as of Sep 24, 2026), built from audited fundamentals. The current price: $5.75.
What is the quality score of GIVPY?
Grupo de Inversiones Suramericana S.A has a Quality Score of 56/100. 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 Grupo de Inversiones Suramericana S.A (GIVPY)?
Our model-based price target is the fair value of $11.50 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $8.62, optimistic scenario $11.89. It is a calculation from audited fundamentals, not an analyst target.
What is the Grupo de Inversiones Suramericana S.A stock forecast for 2026?
Our models put fair value at $11.50, about +100% upside versus a price of $5.75 (undervalued). Cautious scenario $8.62, optimistic scenario $11.89. The calculation is refreshed regularly with new filings.
What is the revenue of Grupo de Inversiones Suramericana S.A (GIVPY)?
Grupo de Inversiones Suramericana S.A reported trailing-twelve-month revenue of about 30.6T COP (latest available figure, as of Sep 24, 2026).
Does Grupo de Inversiones Suramericana S.A pay a dividend?
Grupo de Inversiones Suramericana S.A currently shows a dividend yield of about 5.08% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Grupo de Inversiones Suramericana S.A (GIVPY)?
For today's price to be fair in a discounted-cash-flow model, Grupo de Inversiones Suramericana S.A would have to grow free cash flow by -11.1 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of GIVPY use?
Our models discount Grupo de Inversiones Suramericana S.A at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Grupo de Inversiones Suramericana S.A that is -11.1 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Grupo de Inversiones Suramericana S.A (GIVPY) delivered so far?
Over the past 5 years revenue at Grupo de Inversiones Suramericana S.A grew +8.6 % a year. The price currently implies -11.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Grupo de Inversiones Suramericana S.A (GIVPY) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Grupo de Inversiones Suramericana S.A (-11.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Grupo de Inversiones Suramericana S.A (GIVPY)?
The free-cash-flow yield on the price is 42.70 %: that much free cash flow Grupo de Inversiones Suramericana S.A produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Grupo de Inversiones Suramericana S.A (GIVPY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grupo de Inversiones Suramericana S.A it is $11.50 per share (as of Sep 24, 2026), against a price of $5.75. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Grupo de Inversiones Suramericana S.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GIVPY trades below its calculated fair value: price $5.75, fair value $11.50, a gap of about +100% (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 GIVPY?
No. The price is what the market pays today ($5.75); the fair value is what the company's own numbers justify ($11.50). For Grupo de Inversiones Suramericana S.A the two are $5.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupo de Inversiones Suramericana S.A worth?
The market values Grupo de Inversiones Suramericana S.A at about $1.9B (market capitalisation, as of Sep 24, 2026). Per share that is $5.75; our models calculate a fair value of $11.50 per share.
What do the bullish and bearish scenarios say about GIVPY?
Our models span a range for Grupo de Inversiones Suramericana S.A: cautious scenario $8.62, base $11.50, optimistic $11.89 per share (as of Sep 24, 2026, price $5.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GIVPY?
Grupo de Inversiones Suramericana S.A trades at a price-to-earnings ratio of 2.0 (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 $11.50 is built from several models across several years. Other multiples: P/B 0.3, P/S 0.2, EV/EBITDA 3.0.
How solid is the balance sheet of Grupo de Inversiones Suramericana S.A (GIVPY)?
Balance-sheet figures for Grupo de Inversiones Suramericana S.A (as of Sep 24, 2026): return on equity 9.2%, debt of 0.55 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is GIVPY from its 52-week high?
Grupo de Inversiones Suramericana S.A trades at $5.75, at its 52-week high of $5.75 and 8% above the low of $5.35 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $11.50 is for.
Which stocks are comparable to Grupo de Inversiones Suramericana S.A?
From the same area (Financial Services) we also value Allianz SE, AXA SA, Zurich Insurance Group, Assicurazioni Generali S.p.A, 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 Grupo de Inversiones Suramericana S.A stock attractive at the current price?
The data as of Sep 24, 2026: price $5.75, calculated fair value $11.50 (+100%), Quality Score 56/100, from 4 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 GIVPY calculated?
We run Grupo de Inversiones Suramericana S.A through 4 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 $11.50, 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 16.1 % above its aggregate fair value. Grupo de Inversiones Suramericana S.A currently trades 100 % 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 Grupo de Inversiones Suramericana S.A (GIVPY)?
The closing price on Sep 25, 2026 was $5.75. Our model-based fair value is $11.50, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupo de Inversiones Suramericana S.A right now?
The price is below even our cautious bear case ($8.62). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Grupo de Inversiones Suramericana S.A (GIVPY) come from?
Earnings per share at Grupo de Inversiones Suramericana S.A grew +19.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +14.5 %, EBIT margin +1.9 %, tax rate +0.8 %, residual (interest, one-offs) +1.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Grupo de Inversiones Suramericana S.A
How large is the market capitalisation of Grupo de Inversiones Suramericana S.A (GIVPY)?
The market capitalisation of Grupo de Inversiones Suramericana S.A is $1.9B. 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 Grupo de Inversiones Suramericana S.A (GIVPY)?
The price-to-sales ratio of Grupo de Inversiones Suramericana S.A is 0.09 (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 Grupo de Inversiones Suramericana S.A (GIVPY)?
Earnings per share at Grupo de Inversiones Suramericana S.A are $2.85 (price ÷ EPS = P/E 2.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Grupo de Inversiones Suramericana S.A (GIVPY)?
The dividend yield of Grupo de Inversiones Suramericana S.A is 5.1% (payout 10.2%). 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 Grupo de Inversiones Suramericana S.A (GIVPY)?
The net margin of Grupo de Inversiones Suramericana S.A is 4.3% (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 Grupo de Inversiones Suramericana S.A (GIVPY)?
The return on equity (ROE) of Grupo de Inversiones Suramericana S.A is 9.2% (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 Grupo de Inversiones Suramericana S.A (GIVPY)?
On an EBIT basis the return on assets of Grupo de Inversiones Suramericana S.A is 4.1% (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 Grupo de Inversiones Suramericana S.A (GIVPY)?
Revenue at Grupo de Inversiones Suramericana S.A is growing +10.4% versus a year earlier (3y avg +1.6%). 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 Grupo de Inversiones Suramericana S.A (GIVPY)?
Earnings per share at Grupo de Inversiones Suramericana S.A are growing +206% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Grupo de Inversiones Suramericana S.A (GIVPY) carry?
The net debt of Grupo de Inversiones Suramericana S.A is 9.3T COP (fiscal year 2025, ≈ 3.5 yrs of FCF). 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