Banco Popular (Bogota) (BOG:POPULAR) Effective Interest Rate on Debt %: 26.23% (As of Mar. 2026)


BOG:POPULAR Banco Popular SA (Bogota) BOG:POPULAR
33 GF Score
Price COP120.00
GF Value COP280.99
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Banco Popular (Bogota) Effective Interest Rate on Debt %?

Banco Popular (Bogota) BOG:POPULAR 33 Effective Interest Rate on Debt % is 26.23% as of Mar. 2026. GuruFocus rates BOG:POPULAR with a GF Score™ of 33/100 and a GF Value™ of COP280.99 (Significantly Undervalued). The stock has 3 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 Popular (Bogota)'s annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was COP5,013,260 Mil. Banco Popular (Bogota)'s average total debt for the quarter that ended in Mar. 2026 was COP19,112,148 Mil. Therefore, Banco Popular (Bogota)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 26.23%.


Banco Popular (Bogota)  (BOG:POPULAR) Effective Interest Rate on Debt % Explanation

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


Banco Popular (Bogota) Effective Interest Rate on Debt % Related Terms


Banco Popular (Bogota) Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Banco Popular (Bogota)'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 Popular (Bogota) Effective Interest Rate on Debt % Chart

Banco Popular (Bogota) 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 23.39 54.52 30.26 30.73 26.65

Banco Popular (Bogota) 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 26.54 24.96 24.53 24.28 26.23

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

For the Banks - Regional subindustry, Banco Popular (Bogota)'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 Popular (Bogota) Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Banco Popular (Bogota)'s Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Banco Popular (Bogota)'s Effective Interest Rate on Debt % falls into.


BOG:POPULAR
33GF Score
Banco Popular SA (Bogota) BOG:POPULAR
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Popular (Bogota) Effective Interest Rate on Debt % Calculation

Banco Popular (Bogota)'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  *  -4689828/( (16526424+18665959)/ 2 )
=-1  *  -4689828/17596191.5
=26.65 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=16526424 + 0
=16526424

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18665959 + 0
=18665959

Banco Popular (Bogota)'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  *  -5013260/( (18665959+19558336)/ 2 )
=-1  *  -5013260/19112147.5
=26.23 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18665959 + 0
=18665959

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=19558336 + 0
=19558336

* 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 26.23% mean?
Banco Popular (Bogota) (BOG:POPULAR) has a Effective Interest Rate on Debt % of 26.23% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banco Popular (Bogota) and its competitors.
Is Banco Popular (Bogota)'s Effective Interest Rate on Debt % too high?
Banco Popular (Bogota)'s current Effective Interest Rate on Debt % is 26.23%. Overall, Banco Popular (Bogota) has a GF Score™ of 33/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banco Popular (Bogota)'s Effective Interest Rate on Debt % compare to PNC and USB?
Banco Popular (Bogota)'s Effective Interest Rate on Debt % of 26.23% 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 Popular (Bogota) and its competitors. Banco Popular (Bogota)'s current Effective Interest Rate on Debt % is 26.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Popular (Bogota) stock overvalued right now?
Based on GuruFocus' analysis, Banco Popular (Bogota) (BOG:POPULAR) is currently considered Significantly Undervalued. The stock's GF Value™ is COP280.99, compared to a current price of COP120.00 — trading 57.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 26.23%. Banco Popular (Bogota)'s overall GF Score™ is 33/100 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 Banco Popular (Bogota) (BOG:POPULAR), the current Effective Interest Rate on Debt % is 26.23% 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 Popular (Bogota) (BOG:POPULAR) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Popular (Bogota) stock appears to be undervalued. The current stock price of COP120.00 is trading 57.3% below its estimated GF Value™ of COP280.99. GuruFocus considers Banco Popular (Bogota) to be Significantly Undervalued.

Key valuation signals for BOG:POPULAR:

  • Effective Interest Rate on Debt %: 26.23%
  • GF Value™: COP280.99 vs. price of COP120.00 (57.3% below fair value)
  • GF Score™: 33/100 with 3 warning signs

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


Banco Popular (Bogota) Business Description

Address Calle 17 No. 7-43, Piso 3, Bogota, COL
Banco Popular SA (Bogota) provides various banking products and services to individuals, agencies, medium-sized businesses, and public sector companies in Colombia. It offers personal, business, and corporate banking services.
33GF Score

Get the complete analysis for BOG:POPULAR

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

COP120.00
Price
COP280.99
GF Value