Banco Guayaquil (XGUA:GYL) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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:GYL Banco Guayaquil SA XGUA:GYL
59 GF Score
Price $2.33
GF Value $1.22
Valuation Significantly Overvalued
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What is Banco Guayaquil Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Banco Guayaquil Quality Rank Related Terms

XGUA:GYL
59GF Score
Banco Guayaquil SA XGUA:GYL
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Banco Guayaquil (XGUA:GYL) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Guayaquil stock appears to be overvalued. The current stock price of $2.33 is trading 91% above its estimated GF Value™ of $1.22. GuruFocus considers Banco Guayaquil to be Significantly Overvalued.

Key valuation signals for XGUA:GYL:

  • Quality Rank:
  • GF Value™: $1.22 vs. price of $2.33 (91% above fair value)
  • GF Score™: 59/100

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

Banco Guayaquil Business Description

Other Exchanges GYL:Ecuador
Address Pichincha 107 and P Icaza, Banco Guayaquil, Main Building, Guayaquil, ECU, 090150
Banco Guayaquil SA provides various banking and financial services through its vast network of ATMs and various branches, mainly in Ecuador. It offers loans, accepts deposits, provides digital banking services, issues debit and credit cards, and offers financing and investment products and services, among others. The bank's economic activities are grouped into different lines of business: corporate banking, personal banking, educational banking, housing banking, microcredit, and other financial services.
59GF Score

Get the complete analysis for XGUA:GYL

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

$2.33
Price
$1.22
GF Value