Grupo de Inversiones Suramericana S.A. (GIVPY)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Grupo de Inversiones Suramericana S.A. (GIVPY) with AI Score 48/100 (Weak). Grupo de Inversiones Suramericana S. A. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 17, 2026Grupo de Inversiones Suramericana S.A. (GIVPY) Financial Services Profile
Grupo de Inversiones Suramericana S.A. (GIVPY) is a Colombia-based financial services conglomerate with a diverse portfolio spanning insurance, pensions, asset management, and industrial operations. The company's international presence and diversified revenue streams, coupled with a high dividend yield, position it as a notable player in the Latin American financial landscape.
Investment Thesis
Grupo de Inversiones Suramericana S.A. presents a compelling investment case based on its diversified revenue streams and strong market position in Latin America. With a P/E ratio of 3.21 and a profit margin of 5.8%, the company demonstrates profitability and potential for earnings growth. The high dividend yield of 33.80% offers a significant return to investors. Catalysts for growth include the expansion of its digital platforms and increasing demand for financial services in emerging markets. However, investors should be aware of potential risks associated with currency fluctuations and regulatory changes in the countries where Grupo Suramericana operates. The company's beta of -0.27 suggests lower volatility compared to the market, which may appeal to risk-averse investors.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $3.40 billion, reflecting a substantial presence in the Latin American financial market.
- P/E ratio of 3.21, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 5.8%, demonstrating the company's ability to generate profit from its revenue.
- Gross margin of 81.6%, showcasing efficient cost management in its diverse operations.
- Dividend yield of 33.80%, offering a high income potential for investors.
Competitors & Peers
Strengths
- Diversified business model reduces risk.
- Strong brand recognition in Latin America.
- Extensive distribution network.
- High dividend yield attracts investors.
Weaknesses
- Exposure to currency fluctuations in emerging markets.
- Regulatory risks in multiple jurisdictions.
- Dependence on economic conditions in Latin America.
- Complex organizational structure.
Catalysts
- Ongoing: Expansion of digital platforms to drive revenue growth.
- Ongoing: Increasing demand for insurance and asset management services in Latin America.
- Ongoing: Strategic investments in technology companies to create new growth opportunities.
Risks
- Potential: Currency fluctuations in emerging markets can impact earnings.
- Potential: Regulatory changes in multiple jurisdictions can affect operations.
- Potential: Economic downturns in Latin America can reduce demand for financial services.
- Ongoing: Competition from global financial institutions and fintech companies.
Growth Opportunities
- Expansion of Digital Platforms: Grupo Suramericana has been investing in digital platforms for various services, including human talent management, mortgage services, and on-demand insurance. The market for digital financial services in Latin America is growing rapidly, with an estimated market size of $50 billion by 2028. By expanding its digital offerings, Grupo Suramericana can reach a wider customer base, improve efficiency, and gain a competitive advantage. Timeline: Ongoing.
- Increasing Demand for Insurance: The demand for insurance products is growing in Latin America, driven by increasing awareness of risk management and a growing middle class. Grupo Suramericana offers a wide range of insurance products, including general and life insurance, health plans, and occupational hazards coverage. By expanding its insurance offerings and distribution channels, the company can capitalize on this growing demand. Timeline: Ongoing.
- Growth in Asset Management: The asset management industry is also experiencing growth in Latin America, driven by increasing wealth and a growing demand for investment products. Grupo Suramericana offers a range of asset management services, including pension and investment management, investment funds, and annuities. By expanding its asset management capabilities and product offerings, the company can capitalize on this growth. Timeline: Ongoing.
- Strategic Investments in Technology Companies: Grupo Suramericana has been investing in technology companies through its corporate venture arm. These investments provide the company with access to new technologies and business models, which can be used to improve its existing businesses and create new growth opportunities. The market for venture capital investments in Latin America is growing, with an estimated market size of $5 billion by 2026. Timeline: Ongoing.
- Expansion into New Markets: Grupo Suramericana currently operates in Colombia and other countries in Latin America. By expanding into new markets, the company can diversify its revenue streams and reduce its dependence on any one country or region. The company could consider expanding into other emerging markets with similar demographics and economic conditions. Timeline: 2027-2030.
Opportunities
- Expansion into new markets.
- Growth in digital financial services.
- Increasing demand for insurance and asset management.
- Strategic investments in technology companies.
Threats
- Competition from global financial institutions.
- Disruption from fintech companies.
- Economic downturns in Latin America.
- Changes in government regulations.
Competitive Advantages
- Diversified business model across multiple sectors.
- Strong brand recognition and reputation in Latin America.
- Extensive distribution network across the region.
- Investments in technology and innovation.
- Experienced management team with a proven track record.
About GIVPY
Grupo de Inversiones Suramericana S.A., incorporated in 1997 and headquartered in Medellin, Colombia, operates across the financial services, industry, and corporate venture sectors both domestically and internationally. The company's financial services arm offers a comprehensive suite of products, including general and life insurance, reinsurance, pension and investment management, investment funds, annuities, severance pay services, health plans, and occupational hazards coverage. It also provides banking services, encompassing business, consumer, insurance, investment, offshore, private, and government banking, along with treasury products. Beyond financial services, Grupo Suramericana is involved in the production of cement, concrete, and aggregates. Its processed foods division manufactures and distributes a variety of products, including cold cuts, confectionery, chocolates, coffees, ice cream, pasta, and other consumer foods. Additionally, the company has interests in power generation and distribution, real estate, road and airport concessions, and business support services. Grupo Suramericana also invests in technological solutions, offering platforms for human talent management, mortgage services, financial product sales, health technology, and on-demand insurance. The company's diverse portfolio reflects its strategy of investing in synergistic businesses that contribute to long-term growth and value creation. It serves a wide range of clients, from individual consumers to large corporations and government entities, across multiple geographies.
What They Do
- Offers general and life insurance products.
- Provides reinsurance services.
- Manages pension, saving, and investment funds.
- Offers asset management services.
- Provides banking services, including business, consumer, and investment banking.
- Produces cement, concrete, and aggregates.
- Manufactures and distributes processed foods.
- Invests in technology companies.
Business Model
- Generates revenue from insurance premiums.
- Earns fees from asset management and banking services.
- Sells cement, concrete, and aggregates.
- Generates revenue from the sale of processed foods.
- Receives returns on investments in technology companies.
Industry Context
Grupo de Inversiones Suramericana S.A. operates within the financial services industry, which is experiencing growth driven by increasing demand for insurance, asset management, and banking services in emerging markets. The industry is also undergoing digital transformation, with fintech companies disrupting traditional business models. Grupo Suramericana competes with other financial conglomerates, as well as specialized insurance companies and asset managers. Competitors include AZIHY (Aegon N.V.), BOFKF (Bank of Fukuoka Ltd), CBBYF (Chailease Holding Co Ltd), CKNQP (Concordia Capital Corp), CSGKF (Credit Saison Co Ltd). The company's diversified business model and investments in technology position it to capitalize on these trends.
Key Customers
- Individual consumers seeking insurance and financial services.
- Businesses requiring insurance, banking, and investment solutions.
- Government entities needing financial services.
- Construction companies purchasing cement, concrete, and aggregates.
- Retail consumers purchasing processed foods.
Financials
Chart & Info
Grupo de Inversiones Suramericana S.A. (GIVPY) stock price: Price data unavailable
Latest News
No recent news available for GIVPY.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GIVPY.
Price Targets
Wall Street price target analysis for GIVPY.
MoonshotScore
What does this score mean?
The MoonshotScore rates GIVPY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Ricardo Jaramillo Mejia
CEO
Ricardo Jaramillo Mejia serves as the CEO of Grupo de Inversiones Suramericana S.A. His career spans several leadership roles within the financial services and investment sectors. He has a strong background in strategic planning, corporate finance, and business development. Before joining Grupo Suramericana, he held executive positions at leading financial institutions in Colombia. His expertise includes portfolio management, risk assessment, and international business operations. He holds an advanced degree in Business Administration.
Track Record: Under Ricardo Jaramillo Mejia's leadership, Grupo Suramericana has focused on expanding its digital capabilities and strengthening its market position in Latin America. Key achievements include the successful integration of new technology platforms, the expansion of its insurance business, and the strategic investments in high-growth technology companies. He has also overseen the company's efforts to improve operational efficiency and enhance shareholder value.
Grupo de Inversiones Suramericana S.A. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company that are held by a U.S. depositary bank. GIVPY, as an ADR, allows U.S. investors to easily invest in Grupo de Inversiones Suramericana S.A. without the complexities of cross-border transactions. The depositary bank handles currency conversions and other administrative tasks.
- Home Market Ticker: Bolsa de Valores de Colombia (BVC), Colombia
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: GIVP
GIVPY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that Grupo de Inversiones Suramericana S.A. has limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier may not meet minimum financial standards or reporting requirements, leading to increased risk for investors. Trading on the OTC Other tier often involves higher price volatility and lower liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Higher price volatility due to lower trading volume.
- Wider bid-ask spreads increase transaction costs.
- Potential for market manipulation and fraud.
- Increased risk of delisting or suspension of trading.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Monitor trading volume and price volatility.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Established business operations in Colombia.
- Presence in the financial services and industrial sectors.
- ADR listing provides some level of oversight.
- Publicly available information, even if limited.
- Experienced management team.
What Investors Ask About Grupo de Inversiones Suramericana S.A. (GIVPY)
What does Grupo de Inversiones Suramericana S.A. do?
Grupo de Inversiones Suramericana S.A. operates as a diversified holding company with a focus on financial services, industry, and corporate ventures. Its core business includes offering a wide array of insurance products (life, general, health), pension and investment management, and banking services. Additionally, the company has significant holdings in the processed foods and construction materials sectors, demonstrating a diversified business model designed to mitigate risk and capitalize on growth opportunities across various industries.
What do analysts say about GIVPY stock?
Analyst coverage of GIVPY is limited due to its OTC listing and ADR Level I status. However, the company's high dividend yield and diversified business model are generally viewed positively. Key valuation metrics, such as the low P/E ratio, suggest potential undervaluation. Growth considerations include the company's ability to expand its digital platforms and capitalize on the increasing demand for financial services in Latin America. Investors should conduct their own due diligence and consider the risks associated with investing in OTC stocks.
What are the main risks for GIVPY?
The main risks for GIVPY include currency fluctuations, regulatory changes, and economic downturns in Latin America. As an ADR, GIVPY is exposed to currency risk, as the underlying shares are denominated in Colombian Pesos. Regulatory changes in the countries where Grupo Suramericana operates can also impact its business. Economic downturns in Latin America can reduce demand for financial services and industrial products. Additionally, the company faces competition from global financial institutions and fintech companies.
What are the key factors to evaluate for GIVPY?
Grupo de Inversiones Suramericana S.A. (GIVPY) currently holds an AI score of 48/100, indicating low score. Key strength: Diversified business model reduces risk.. Primary risk to monitor: Potential: Currency fluctuations in emerging markets can impact earnings.. This is not financial advice.
How frequently does GIVPY data refresh on this page?
GIVPY prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven GIVPY's recent stock price performance?
Recent price movement in Grupo de Inversiones Suramericana S.A. (GIVPY) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Diversified business model reduces risk.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider GIVPY overvalued or undervalued right now?
Determining whether Grupo de Inversiones Suramericana S.A. (GIVPY) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying GIVPY?
Before investing in Grupo de Inversiones Suramericana S.A. (GIVPY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be limited or inconsistent.
- AI analysis is pending and may provide further insights.