Grupo de Inversiones Suramericana (BOG:GRUPOSURA) Effective Interest Rate on Debt %: 12.44% (As of Mar. 2026)


BOG:GRUPOSURA Grupo de Inversiones Suramericana SA BOG:GRUPOSURA
59 GF Score
Price COP54,000.00
GF Value COP64,869.33
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Grupo de Inversiones Suramericana Effective Interest Rate on Debt %?

Grupo de Inversiones Suramericana BOG:GRUPOSURA -0.48% 59 Effective Interest Rate on Debt % is 12.44% as of Mar. 2026. GuruFocus rates BOG:GRUPOSURA with a GF Score™ of 59/100 and a GF Value™ of COP64,869.33 (Modestly Undervalued). The stock has 2 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. Grupo de Inversiones Suramericana's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was COP1,121,320 Mil. Grupo de Inversiones Suramericana's average total debt for the quarter that ended in Mar. 2026 was COP9,013,709 Mil. Therefore, Grupo de Inversiones Suramericana's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 12.44%.


Grupo de Inversiones Suramericana  (BOG:GRUPOSURA) Effective Interest Rate on Debt % Explanation

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


Grupo de Inversiones Suramericana Effective Interest Rate on Debt % Related Terms


Grupo de Inversiones Suramericana Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Grupo de Inversiones Suramericana'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 de Inversiones Suramericana Effective Interest Rate on Debt % Chart

Grupo de Inversiones Suramericana 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 8.11 10.45 12.79 20.33 21.23

Grupo de Inversiones Suramericana 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 18.40 15.19 12.83 15.08 12.44

BOG:GRUPOSURA vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Grupo de Inversiones Suramericana'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 de Inversiones Suramericana Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Grupo de Inversiones Suramericana's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Grupo de Inversiones Suramericana's Effective Interest Rate on Debt % falls into.


BOG:GRUPOSURA
59GF Score
Grupo de Inversiones Suramericana SA BOG:GRUPOSURA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Grupo de Inversiones Suramericana Effective Interest Rate on Debt % Calculation

Grupo de Inversiones Suramericana'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  *  -1348764/( (6500679+6206745)/ 2 )
=-1  *  -1348764/6353712
=21.23 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6500679 + 0
=6500679

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6206745 + 0
=6206745

Grupo de Inversiones Suramericana'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  *  -1121320/( (6206745+11820672)/ 2 )
=-1  *  -1121320/9013708.5
=12.44 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6206745 + 0
=6206745

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11586872 + 233800
=11820672

* 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 12.44% mean?
Grupo de Inversiones Suramericana (BOG:GRUPOSURA) has a Effective Interest Rate on Debt % of 12.44% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Grupo de Inversiones Suramericana and its competitors.
Is Grupo de Inversiones Suramericana's Effective Interest Rate on Debt % too high?
Grupo de Inversiones Suramericana's current Effective Interest Rate on Debt % is 12.44%. Overall, Grupo de Inversiones Suramericana has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Grupo de Inversiones Suramericana's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Grupo de Inversiones Suramericana's Effective Interest Rate on Debt % of 12.44% can be compared against companies in the Insurance 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 an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance 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 de Inversiones Suramericana and its competitors. Grupo de Inversiones Suramericana's current Effective Interest Rate on Debt % is 12.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo de Inversiones Suramericana stock overvalued right now?
Based on GuruFocus' analysis, Grupo de Inversiones Suramericana (BOG:GRUPOSURA) is currently considered Modestly Undervalued. The stock's GF Value™ is COP64,869.33, compared to a current price of COP54,000.00 — trading 16.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.44%. Grupo de Inversiones Suramericana's overall GF Score™ is 59/100 with 2 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 de Inversiones Suramericana (BOG:GRUPOSURA), the current Effective Interest Rate on Debt % is 12.44% 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 de Inversiones Suramericana (BOG:GRUPOSURA) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo de Inversiones Suramericana stock appears to be undervalued. The current stock price of COP54,000.00 is trading 16.8% below its estimated GF Value™ of COP64,869.33. GuruFocus considers Grupo de Inversiones Suramericana to be Modestly Undervalued.

Key valuation signals for BOG:GRUPOSURA:

  • Effective Interest Rate on Debt %: 12.44%
  • GF Value™: COP64,869.33 vs. price of COP54,000.00 (16.8% below fair value)
  • GF Score™: 59/100 with 2 warning signs

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


Grupo de Inversiones Suramericana Business Description

Address Carrera 43A, No. 5A - 113, Ed. One Plaza, North Tower, El Poblado, Medellin, COL, 05001000
Grupo de Inversiones Suramericana SA is a Latin American investment holding company with holdings in Colombian entities. It also holds stakes in companies throughout the Americas, including Chile, Mexico, Peru, Colombia, and Uruguay. The group's investment portfolio is mostly concentrated in the financial, pension, insurance, social security, and complementary services industries. The company also holds smaller stakes in processed food, cement, and energy companies. It targets companies that emphasize innovation and offer complementary services across its portfolio holdings.
59GF Score

Get the complete analysis for BOG:GRUPOSURA

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

COP54,000.00
Price
COP64,869.33
GF Value