Banco Pichincha CA (XGUA:PCD) GF Score: 78/100 (As of Jul. 15, 2026) — 22% Below Median

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XGUA:PCD Banco Pichincha CA XGUA:PCD
78 GF Score
Price $135.00
GF Value $101.78
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Banco Pichincha CA GF Score?

Banco Pichincha CA XGUA:PCD 78 GF Score is 78 as of Jul. 15, 2026, which is 22% below its 10-year median of 100.00. GuruFocus rates XGUA:PCD with a GF Score™ of 78/100 and a GF Value™ of $101.78 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Banco Pichincha CA has the GF Score of 78, which implies that the company is Likely to have average performance.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 2/10
2. Profitability Rank : 9/10
3. Growth Rank : 2/10
4. GF Value Rank : 7/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Banco Pichincha CA is Likely to have average performance.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Banco Pichincha CA  (XGUA:PCD) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Banco Pichincha CA GF Score Related Terms

XGUA:PCD vs PNC, USB: GF Score Comparison

For the Banks - Regional subindustry, Banco Pichincha CA's GF Score, along with its competitors' market caps and GF Score 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 Pichincha CA GF Score vs Banks Industry

For the Banks industry and Financial Services sector, Banco Pichincha CA's GF Score distribution charts can be found below:

* The bar in red indicates where Banco Pichincha CA's GF Score falls into.


XGUA:PCD
78GF Score
Banco Pichincha CA XGUA:PCD
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 78 mean?
Banco Pichincha CA (XGUA:PCD) has a GF Score of 78 as of Jul. 15, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Banco Pichincha CA and its competitors. This is 22% below median its historical median of 100.00. Over the past decade, Banco Pichincha CA's GF Score has ranged from 2.00 to 100.00.
Is Banco Pichincha CA's GF Score too high?
Banco Pichincha CA's current GF Score of 78 is 22% below median its 10-year median of 100.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 100.00. Overall, Banco Pichincha CA has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's GF Score compare to PNC and USB?
Banco Pichincha CA's GF Score of 78 can be compared against companies in the Banks industry. Historically, Banco Pichincha CA's own GF Score has ranged from 2.00 to 100.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Banco Pichincha CA and its competitors. Banco Pichincha CA's current GF Score is 78, which is 22% below median its own 10-year median of 100.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (XGUA:PCD) is currently considered Significantly Overvalued. The stock's GF Value™ is $101.78, compared to a current price of $135.00 — trading 32.6% above its estimated fair value. The current GF Score is 78, which is 22% below median its 10-year median of 100.00. Banco Pichincha CA's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Banco Pichincha CA (XGUA:PCD), the current GF Score is 78 as of Jul. 15, 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 Pichincha CA (XGUA:PCD) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued. The current stock price of $135.00 is trading 32.6% above its estimated GF Value™ of $101.78. GuruFocus considers Banco Pichincha CA to be Significantly Overvalued.

Key valuation signals for XGUA:PCD:

  • GF Score: 78 (22% below median its 10-year median of 100.00)
  • GF Value™: $101.78 vs. price of $135.00 (32.6% above fair value)
  • GF Score™: 78/100 with 3 warning signs

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

Banco Pichincha CA Business Description

Other Exchanges PCD:Ecuador
Address Av Amazonas 4545, Pereira. Building Financial Center Office No. 507, Quito, ECU
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
78GF Score

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$135.00
Price
$101.78
GF Value