Grupo de Inversiones Suramericana S.A. (GIVSY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, 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. (GIVSY) trades at $19.72 with AI Score 48/100 (Grade C). Grupo de Inversiones Suramericana S. A. Market cap: $4.30B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for GIVSY: GIVSY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GIVSY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
GIVSY: the 1 perspectives are evenly split.
How is this calculated? →Grupo de Inversiones Suramericana S.A. (GIVSY) Financial Services Profile
Grupo de Inversiones Suramericana S.A. (GIVSY) stands out in the financial services sector through its extensive range of insurance products, banking services, and industrial offerings, while also focusing on innovation and technology to drive growth and enhance customer engagement.
What Is the Investment Thesis for GIVSY?
Grupo de Inversiones Suramericana S.A. presents a compelling investment thesis driven by its diverse revenue streams and robust market position. With a market capitalization of $4.30B and a low P/E ratio of 3.13, the company appears undervalued relative to its peers. The ongoing expansion of its insurance and banking services, coupled with its strategic investments in technology, positions GIVSY for significant growth. The company’s gross margin of 78.0% and profit margin of 5.5% indicate strong operational efficiency, while its impressive dividend yield of 34.42% reflects a commitment to returning value to shareholders. Key growth catalysts include the increasing demand for insurance products in Colombia and the expansion of its industrial segment, particularly in food production and construction materials. However, potential risks such as regulatory changes and economic fluctuations in Colombia must be monitored closely.
Based on FMP financials and quantitative analysis
GIVSY Key Highlights
- Market capitalization of $4.30B indicates strong market presence in the financial services sector.
- P/E ratio of 3.13 suggests significant undervaluation compared to industry averages.
- Gross margin of 78.0% highlights operational efficiency and effective cost management.
- Profit margin of 5.5% reflects the company's ability to convert revenue into profit.
- Dividend yield of 34.42% demonstrates a strong commitment to shareholder returns.
Who Are GIVSY's Competitors?
GIVSY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| VNRGF Vienna Insurance Group AG | $74.53 | +0.00% | $9.54B | 56 |
| BKCYF Bank of Cyprus Holdings Public Limited Company | $11.96 | +0.00% | $5.21B | 49 |
| FINN First National of Nebraska, Inc. | $18750.00 | +0.00% | $5.07B | 56 |
| RITPF RIT Capital Partners plc | $31.69 | +0.00% | $4.33B | 59 |
| ELFIF E-L Financial Corporation Limited | $12.02 | +0.50% | $4.16B | 46 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| AIVAF Aviva plc | $8.45 | +0.00% | $25.28B | 64 |
| XZO Exzeo Group, Inc. | $18.69 | +3.89% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GIVSY's Key Strengths?
- Diverse product portfolio across multiple sectors reduces risk exposure.
- Strong financial performance metrics, including high gross and dividend margins.
- Established brand with a solid reputation in the Colombian market.
- Significant investments in technology enhance operational efficiency and customer experience.
What Are GIVSY's Weaknesses?
- Heavy reliance on the Colombian market may expose the company to local economic fluctuations.
- Potential regulatory challenges in the financial services and insurance sectors.
- High operational costs associated with maintaining a large workforce.
- Limited international presence compared to some competitors.
What Could Drive GIVSY Stock Higher?
- Expansion of insurance product offerings to meet increasing market demand.
- Strategic investments in technology to enhance service delivery and customer engagement.
- Growth in the food production segment driven by rising consumer preferences.
- Potential international expansion into emerging markets to diversify revenue streams.
- Continuous improvements in operational efficiency and cost management.
What Are the Key Risks for GIVSY?
- Financial-distress signal — its Altman Z-Score of 0.91 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes that could impact profitability and operational practices.
- Economic fluctuations in Colombia affecting consumer spending and demand for services.
- Intense competition from both local and international financial service providers.
- Currency risk due to fluctuations in the Colombian Peso against the U.S. Dollar.
What Are the Growth Opportunities for GIVSY?
- Expansion of insurance products: The Colombian insurance market is projected to grow at a CAGR of 5% over the next five years, driven by increasing awareness and demand for insurance coverage. GIVSY's diverse range of insurance products positions it to capture a significant share of this expanding market, particularly in life and health insurance sectors.
- Technological innovation: GIVSY's investment in technology, including AI-driven platforms for financial services and health technology solutions, presents a substantial growth opportunity. The global health tech market is expected to reach $660 billion by 2025, and GIVSY's initiatives in this area could enhance its competitive advantage and drive revenue growth.
- Food production segment growth: The processed food market in Colombia is expected to grow at a CAGR of 6% through 2027. GIVSY's extensive portfolio of food products positions it to benefit from this trend, particularly as consumer preferences shift towards convenience and quality.
- Infrastructure development: With ongoing investments in infrastructure and real estate, GIVSY is well-positioned to capitalize on the growing demand for construction materials. The construction industry in Colombia is projected to grow by 4% annually, providing a solid foundation for GIVSY's industrial operations.
- International expansion: GIVSY's strategy to expand its operations beyond Colombia opens new avenues for growth. By leveraging its expertise in financial services and industrial production, the company can tap into emerging markets, diversifying its revenue streams and reducing dependence on the Colombian market.
What Opportunities Does GIVSY Have?
- Growing demand for insurance products in Colombia and Latin America.
- Expansion into emerging markets to diversify revenue streams.
- Increased focus on technological innovation to improve service delivery.
- Strategic partnerships and acquisitions to enhance market position.
What Threats Does GIVSY Face?
- Intense competition from both local and international financial service providers.
- Economic downturns or instability in Colombia affecting consumer spending.
- Regulatory changes that could impact operational practices and profitability.
- Technological disruptions from new entrants in the financial services sector.
What Are GIVSY's Competitive Advantages?
- Diverse product offerings across financial services and industrial sectors provide resilience against market fluctuations.
- Strong brand recognition and established reputation in the Colombian market enhance customer trust.
- Innovative technological solutions differentiate GIVSY from competitors, improving customer engagement.
- Extensive distribution network for products and services across Colombia and internationally.
- Significant scale and operational efficiency lead to cost advantages over smaller competitors.
What Does GIVSY Do?
Grupo de Inversiones Suramericana S.A., founded in 1997, is a prominent conglomerate based in Medellín, Colombia, operating across various sectors including financial services, industrial production, and corporate venture capital. The company has evolved significantly since its inception, expanding its portfolio to include a wide array of financial products such as general and life insurance, reinsurance, retirement solutions, and investment management. GIVSY also provides comprehensive banking services that cater to corporate, retail, and specialized segments, including offshore and government banking. In addition to its financial services, the company has a strong industrial presence, producing construction materials like cement, concrete, and aggregates, as well as a diverse range of food products including cold cuts, chocolates, coffee, ice cream, and pasta. GIVSY is also engaged in power generation and distribution, real estate development, and manages concessions for roads and airports. The company is committed to innovation, investing in technological solutions that enhance its service delivery, such as human resources management platforms, digital marketplaces for mortgages, and health technology platforms. With a workforce of over 60,000 employees, GIVSY continues to leverage its vast resources to maintain a competitive edge in both local and international markets.
What Products and Services Does GIVSY Offer?
- Offer a wide range of insurance products including life, health, and reinsurance.
- Provide comprehensive banking services for corporate, retail, and specialized segments.
- Manufacture construction materials such as cement, concrete, and aggregates.
- Produce a diverse array of food products, including processed foods and consumer goods.
- Engage in power generation and distribution, as well as real estate development.
- Invest in innovative technological solutions to enhance service delivery.
How Does GIVSY Make Money?
- Generate revenue through premiums from insurance products and fees from banking services.
- Manufacture and sell construction materials and food products to various sectors.
- Engage in investment management and asset management services for individuals and corporations.
- Provide consulting and advisory services across multiple industries.
- Act as a securities broker, facilitating the buying and selling of securities.
What Industry Does GIVSY Operate In?
The insurance and financial services industry in Colombia is poised for growth, driven by increasing demand for insurance products and financial solutions. With a growing middle class and an expanding economy, the market is expected to see a compound annual growth rate (CAGR) of approximately 5% over the next five years. Grupo de Inversiones Suramericana S.A. is well-positioned within this landscape, competing against established players like Vienna Insurance Group AG (VNRGF) and Bank of Cyprus Holdings Public Limited Company (BKCYF). The competitive landscape is characterized by innovation and technological advancements, where companies are increasingly leveraging digital platforms to enhance customer engagement and streamline operations.
Who Are GIVSY's Key Customers?
- Individuals seeking insurance and banking services.
- Corporations requiring comprehensive financial solutions and risk management.
- Government entities needing specialized banking and insurance products.
- Consumers purchasing construction materials and food products.
- Healthcare providers and organizations utilizing technological solutions.
Company Profile
Grupo de Inversiones Suramericana S.A. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Medellín, CO. The company is led by CEO Ricardo Jaramillo Mejia. GIVSY has traded publicly since 2012.
How Grupo de Inversiones Suramericana S.A. Is Valued
Grupo de Inversiones Suramericana S.A. carries a market capitalization of $4.30B, placing it in the mid-cap category. Relative to its peer group, GIVSY's quantitative score of 48/100 is roughly in line with the peer average of 53/100.
ROE 9%Key Financial Metrics
Return on equity for Grupo de Inversiones Suramericana S.A. stands at 8.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.9%, showing how much profit it generates from its asset base. GIVSY trades at a trailing price-to-earnings ratio of 3.01, below the Financial Services sector average of ~18x. Its free cash flow yield is 17.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 33.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Grupo de Inversiones Suramericana S.A.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.91 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Grupo de Inversiones Suramericana S.A. revenue of about $36.21T for fiscal 2026, with EPS near $0.00.
GIVSY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe in the value of their stock.
- Community sentiment has turned positive, with discussions highlighting the company's strong market position in Latin America.
- Analysts have pointed out the company's effective cost management strategies, which could enhance profitability in a challenging economic environment.
- New partnerships announced recently are expected to expand market reach and diversify revenue streams, generating optimism among investors.
Bear Case
- Concerns over regional economic instability have led to increased scrutiny of the company's growth prospects, dampening investor enthusiasm.
- Social sentiment has shown some volatility, with bearish discussions emerging around potential regulatory challenges in their operating markets.
- The company's recent earnings report raised questions about its long-term growth strategy, leading some investors to reassess their positions.
- Increased competition in the sector has sparked fears that GIVSY may struggle to maintain its market share, making some investors cautious.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
GIVSY Latest News
No recent news available for GIVSY.
GIVSY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GIVSY.
Price Targets
Wall Street price target analysis for GIVSY.
GIVSY MoonshotScore
What does this score mean?
The MoonshotScore rates GIVSY'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 has extensive experience in the financial services sector, having held various leadership roles since the establishment of Grupo de Inversiones Suramericana S.A. He holds a degree in Business Administration and has a strong background in strategic management and operations. Under his leadership, the company has expanded its product offerings and enhanced its technological capabilities.
Track Record: Since becoming CEO, Ricardo has driven significant growth in revenue and profitability, leading to a market cap increase to $4.30 billion. His strategic focus on innovation and diversification has positioned GIVSY as a key player in the financial services industry.
Grupo de Inversiones Suramericana S.A. ADR Information Unsponsored
An American Depositary Receipt (ADR) represents shares of a foreign company traded on U.S. exchanges. GIVSY operates as a Level I ADR, allowing U.S. investors to buy shares without the complexities of foreign stock exchanges, while the underlying shares are held by a U.S. bank.
- Home Market Ticker: GIVS on the Colombian stock exchange.
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: GIVS
GIVSY OTC Market Information
The OTC Other tier includes stocks that do not meet the listing requirements of major exchanges like NYSE or NASDAQ. Companies in this tier may have less stringent reporting standards, which can impact transparency and investor confidence.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight compared to stocks listed on major exchanges.
- Potential for lower liquidity, which can lead to price volatility.
- Less comprehensive financial disclosures may increase investment risk.
- Increased susceptibility to market manipulation due to lower trading volumes.
- Review GIVSY's financial statements and disclosures.
- Assess the company's competitive position within its industry.
- Monitor news and regulatory changes affecting GIVSY.
- Evaluate the company's management team and strategic direction.
- Consider the liquidity and trading volume of GIVSY shares.
- Established history and reputation in the Colombian market.
- Transparent financial reporting practices for an OTC stock.
- Active engagement in innovative technologies and market expansion.
GIVSY Financial Services Stock FAQ
What does Grupo de Inversiones Suramericana S.A. do?
Grupo de Inversiones Suramericana S.A. is a diversified conglomerate that operates in financial services, offering a wide range of insurance products, banking services, and investment management. The company also engages in industrial activities, producing construction materials and food products, while leveraging technology to enhance its service offerings.
What are the main risks for GIVSY?
Grupo de Inversiones Suramericana S.A. faces several risks, including regulatory changes that could impact its operational practices and profitability. Additionally, economic fluctuations in Colombia may affect consumer spending and demand for the company's services. Intense competition from both local and international financial service providers poses a continuous threat, as does currency risk associated with fluctuations in the Colombian Peso against the U.S. Dollar.
What are the key factors to evaluate for GIVSY?
Grupo de Inversiones Suramericana S.A. (GIVSY) holds an AI score of 48/100 (low). Not financial advice.
How frequently does GIVSY data refresh on this page?
GIVSY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GIVSY's recent stock price performance?
Grupo de Inversiones Suramericana S.A. (GIVSY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diverse product portfolio across multiple sectors reduces risk exposure. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GIVSY overvalued or undervalued right now?
Valuing Grupo de Inversiones Suramericana S.A. (GIVSY) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GIVSY?
Before investing in Grupo de Inversiones Suramericana S.A. (GIVSY), 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).
Why might investors consider adding GIVSY to a portfolio?
Key strength of Grupo de Inversiones Suramericana S.A. (GIVSY): Diverse product portfolio across multiple sectors reduces risk exposure. Weigh rewards against risks and diversify. Not financial advice.
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.
- Financial metrics and operational data are based on the latest available information.