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. Grupo Cibest's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was COP12,282,776 Mil. Grupo Cibest's average total debt for the quarter that ended in Mar. 2026 was COP18,069,185 Mil. Therefore, Grupo Cibest's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 67.98%.
Grupo Cibest (BOG:CIBEST) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Grupo Cibest Effective Interest Rate on Debt % Related Terms
Grupo Cibest Effective Interest Rate on Debt % Historical Data
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The historical data trend for Grupo Cibest'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.
Grupo Cibest Effective Interest Rate on Debt % Chart
BOG:CIBEST vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Grupo Cibest'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.
Grupo Cibest Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's Effective Interest Rate on Debt % falls into.
* 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 67.98% mean?
Grupo Cibest (BOG:CIBEST) has a Effective Interest Rate on Debt % of 67.98% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Grupo Cibest and its competitors.
Is Grupo Cibest's Effective Interest Rate on Debt % too high?
Grupo Cibest's current Effective Interest Rate on Debt % is 67.98%. Overall, Grupo Cibest has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's Effective Interest Rate on Debt % compare to PNC and USB?
Grupo Cibest's Effective Interest Rate on Debt % of 67.98% 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 Grupo Cibest and its competitors. Grupo Cibest's current Effective Interest Rate on Debt % is 67.98%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Cibest stock overvalued right now?
Based on GuruFocus' analysis, Grupo Cibest (BOG:CIBEST) is currently considered Modestly Overvalued. The stock's GF Value™ is COP68,195.74, compared to a current price of COP78,800.00 — trading 15.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 67.98%. Grupo Cibest's overall GF Score™ is 77/100 with 3 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 Grupo Cibest (BOG:CIBEST), the current Effective Interest Rate on Debt % is 67.98% 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 Grupo Cibest (BOG:CIBEST) Overvalued in 2026?
Based on GuruFocus' analysis, Grupo Cibest stock appears to be overvalued.
The current stock price of COP78,800.00 is trading 15.5% above its estimated GF Value™ of COP68,195.74.
GuruFocus considers Grupo Cibest to be Modestly Overvalued.
Key valuation signals for BOG:CIBEST:
Effective Interest Rate on Debt %: 67.98%
GF Value™: COP68,195.74 vs. price of COP78,800.00 (15.5% above fair value)
No single metric tells the full story. See the BOG:CIBEST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Grupo Cibest SA is a full service financial group offering a broad range of financial products and services to a diversified individual and corporate clients through subsidiaries. Its network also includes offshore banking subsidiaries in Panama and Puerto Rico, as well as other adjacent businesses. Its products and services include Savings and Investment, Financing, Factoring, Financial and Operating Leases, Capital Markets, Trading, Cash Management, Foreign Currency and Trade Finance, Bancassurance and Insurance, Investment Banking, Trust and Fiduciary Services, Mortgage Lending Business, among others. Its segments include Banking Colombia, Banking El Salvador, Banking Guatemala, International Banking, Leases, All Other and Banking Panama.
77GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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