Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) Effective Interest Rate on Debt %: 102.86% (As of Mar. 2026)

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BOG:BBVACOL Banco Bilbao Vizcaya Argentaria Colombia SA BOG:BBVACOL
12 GF Score
Price COP200.00
GF Value COP207.67
Valuation Fairly Valued
! 4 Warning Signs
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What is Banco Bilbao Vizcaya Argentaria Colombia Effective Interest Rate on Debt %?

Banco Bilbao Vizcaya Argentaria Colombia BOG:BBVACOL 12 Effective Interest Rate on Debt % is 102.86% as of Mar. 2026. GuruFocus rates BOG:BBVACOL with a GF Score™ of 12/100 and a GF Value™ of COP207.67 (Fairly Valued). The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Banco Bilbao Vizcaya Argentaria Colombia's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was COP5,842,532 Mil. Banco Bilbao Vizcaya Argentaria Colombia's average total debt for the quarter that ended in Mar. 2026 was COP5,680,132 Mil. Therefore, Banco Bilbao Vizcaya Argentaria Colombia's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 102.86%.


Banco Bilbao Vizcaya Argentaria Colombia  (BOG:BBVACOL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Banco Bilbao Vizcaya Argentaria Colombia Effective Interest Rate on Debt % Related Terms


Banco Bilbao Vizcaya Argentaria Colombia Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco Bilbao Vizcaya Argentaria Colombia Effective Interest Rate on Debt % Chart

Banco Bilbao Vizcaya Argentaria Colombia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31.19 64.70 116.89 117.03 108.58

Banco Bilbao Vizcaya Argentaria Colombia Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 80.69 79.20 89.92 100.46 102.86

BOG:BBVACOL vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Banco Bilbao Vizcaya Argentaria Colombia Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt % falls into.


BOG:BBVACOL
12GF Score
Banco Bilbao Vizcaya Argentaria Colombia SA BOG:BBVACOL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Bilbao Vizcaya Argentaria Colombia Effective Interest Rate on Debt % Calculation

Banco Bilbao Vizcaya Argentaria Colombia's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -5723141/( (5752582+4789115)/ 2 )
=-1  *  -5723141/5270848.5
=108.58 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5752582 + 0
=5752582

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4789115 + 0
=4789115

Banco Bilbao Vizcaya Argentaria Colombia's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -5842532/( (4789115+6571149)/ 2 )
=-1  *  -5842532/5680132
=102.86 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4789115 + 0
=4789115

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6571149 + 0
=6571149

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 102.86% mean?
Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) has a Effective Interest Rate on Debt % of 102.86% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banco Bilbao Vizcaya Argentaria Colombia and its competitors.
Is Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt % too high?
Banco Bilbao Vizcaya Argentaria Colombia's current Effective Interest Rate on Debt % is 102.86%. Overall, Banco Bilbao Vizcaya Argentaria Colombia has a GF Score™ of 12/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt % compare to PNC and USB?
Banco Bilbao Vizcaya Argentaria Colombia's Effective Interest Rate on Debt % of 102.86% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banco Bilbao Vizcaya Argentaria Colombia and its competitors. Banco Bilbao Vizcaya Argentaria Colombia's current Effective Interest Rate on Debt % is 102.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Bilbao Vizcaya Argentaria Colombia stock overvalued right now?
Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) is currently considered Fairly Valued. The stock's GF Value™ is COP207.67, compared to a current price of COP200.00 — trading 3.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 102.86%. Banco Bilbao Vizcaya Argentaria Colombia's overall GF Score™ is 12/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL), the current Effective Interest Rate on Debt % is 102.86% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria Colombia stock appears to be undervalued. The current stock price of COP200.00 is trading 3.7% below its estimated GF Value™ of COP207.67. GuruFocus considers Banco Bilbao Vizcaya Argentaria Colombia to be Fairly Valued.

Key valuation signals for BOG:BBVACOL:

  • Effective Interest Rate on Debt %: 102.86%
  • GF Value™: COP207.67 vs. price of COP200.00 (3.7% below fair value)
  • GF Score™: 12/100 with 4 warning signs

No single metric tells the full story. See the BOG:BBVACOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Bilbao Vizcaya Argentaria Colombia Business Description

Address Carrera 9 No. 72-21, Bogota, COL, 28046
Banco Bilbao Vizcaya Argentaria Colombia SA operates as a private banking institution. The company's main activities include providing loans to both public and private sector companies as well as individuals. It is also involved in international banking, privatizations, financial projects, and other general banking activities, as well as offering leasing services. The operating business segments are Commercial Banking, Enterprise and Institutional Banking, Corporate and Investment Banking, Asset and Liability Management, and Other Segments. The company operates in cities and towns throughout Colombia and it generates revenue through interest and service fees.
12GF Score

Get the complete analysis for BOG:BBVACOL

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

COP200.00
Price
COP207.67
GF Value