Grupo de Inversiones Suramericana S.A. (GIVPY)
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. (GIVPY) trades at $6.00 with AI Score 48/100 (Grade C). Grupo de Inversiones Suramericana S. A. Market cap: $3.55B, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for GIVPY: GIVPY 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 GIVPY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
GIVPY: the 1 perspectives are evenly split.
How is this calculated? →Grupo de Inversiones Suramericana S.A. (GIVPY) Financial Services Profile
Grupo de Inversiones Suramericana S.A. (GIVPY) is a diversified Colombian conglomerate, established in 1997, with significant operations in financial services, industrial production, and corporate venturing. The company provides a broad range of insurance, banking, construction materials, processed foods, and digital technology solutions, serving both domestic and international markets.
What Is the Investment Thesis for GIVPY?
Grupo de Inversiones Suramericana S.A. presents a unique investment profile characterized by its highly diversified operational structure and robust financial metrics. With a market capitalization of $3.55B, the company demonstrates significant scale. Its P/E ratio of 3.0 suggests a potentially undervalued stock relative to earnings, while a substantial dividend yield of 34.42% indicates a strong commitment to shareholder returns. The company's gross margin of 78.0% and profit margin of 5.5% reflect efficient operations across its varied segments, from financial services to industrial production. Key growth catalysts include ongoing digital transformation initiatives across its financial and health technology platforms, expansion in asset management and insurance offerings, and strategic investments through its risk capital fund in emerging technologies. The company's low beta of 0.58 suggests relatively lower volatility compared to the broader market, potentially appealing to investors seeking stability within a diversified portfolio. Its broad geographic reach and multiple revenue streams provide resilience against sector-specific downturns, positioning it for sustained long-term value creation.
Based on FMP financials and quantitative analysis
GIVPY Key Highlights
- Market Capitalization of $3.55B, reflecting its substantial scale as a multinational conglomerate.
- P/E Ratio of 3.0, indicating a potentially attractive valuation relative to its earnings.
- Dividend Yield of 34.42%, demonstrating a significant return to shareholders.
- Gross Margin of 78.0%, showcasing strong operational efficiency across its diverse business segments.
- Beta of 0.58, suggesting lower volatility compared to the overall market, which may appeal to risk-averse investors.
Who Are GIVPY's Competitors?
GIVPY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CTIHY China Taiping Insurance Holdings Company Limited | $68.96 | +0.00% | $9.91B | 62 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
| AIVAF Aviva plc | $8.45 | +0.00% | $25.28B | 64 |
| AEB Aegon N.V. PERP CAP FLTG RT | $25.01 | -0.08% | $51.13B | 48 |
| GIVSY Grupo de Inversiones Suramericana S.A. | $19.72 | +0.00% | $4.30B | 48 |
| AED Aegon N.V. PERP CAP SECS | $25.52 | +0.00% | $52.17B | 48 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GIVPY's Key Strengths?
- Highly diversified business model spanning financial services, industrial production, and corporate venturing.
- Strong financial metrics including a low P/E ratio (3.13) and a high dividend yield (34.42%).
- Significant investment in digital transformation and technology, enhancing service delivery and operational efficiency.
- Broad geographic reach and established market presence in Colombia and internationally.
- Comprehensive portfolio of financial products and services, allowing for extensive customer engagement.
What Are GIVPY's Weaknesses?
- Complexity of managing a vast, diversified conglomerate across multiple sectors and geographies.
- Potential for regulatory challenges and compliance costs across varied industries and international jurisdictions.
- Reliance on economic stability and growth in its primary operating markets, particularly Colombia.
- Profit margin of 5.5% could be subject to fluctuations given the diverse and sometimes lower-margin industrial segments.
- Exposure to commodity price volatility in its construction materials and industrial production segments.
What Could Drive GIVPY Stock Higher?
- Digital transformation initiatives, including the rollout of AI-powered platforms and an on-demand insurance platform, are expected to enhance operational efficiency and expand customer reach.
- Continued expansion of its financial services portfolio, particularly in asset management and pension solutions, is anticipated to capture growing demand in its operating regions.
- Strategic investments through its risk capital fund in early-stage technology companies could yield future growth and competitive advantages through innovation or potential acquisitions.
- Further infrastructure development projects in its operating regions could drive demand for its construction materials and expand its concessions portfolio, contributing to industrial segment growth.
- Enhanced cross-selling opportunities across its diversified financial and industrial segments are expected to deepen customer relationships and increase revenue per customer.
What Are the Key Risks for GIVPY?
- Financial-distress signal — its Altman Z-Score of 0.88 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns or political instability in Colombia or other key operating markets could negatively impact consumer spending, industrial demand, and financial sector performance.
- Regulatory changes and increased compliance requirements across its diverse financial services and industrial segments could lead to higher operational costs and reduced profitability.
- Intense competition from both traditional financial institutions and agile fintech startups could erode market share and pressure margins in its financial services division.
- Exposure to currency fluctuations (COP/USD) poses a risk for ADR holders, potentially impacting the dollar value of returns and dividends.
- The complexity of managing a large, diversified conglomerate across multiple sectors and geographies could lead to operational inefficiencies or challenges in strategic alignment.
What Are the Growth Opportunities for GIVPY?
- Digital Transformation and Fintech Integration: Grupo Suramericana's active embrace of digital transformation, including a digital marketplace for mortgages, AI-powered web/mobile applications, and an on-demand insurance platform, represents a significant growth driver. By enhancing customer experience, streamlining operations, and reaching new digital-native customer segments, these initiatives can expand market share and improve efficiency. The global fintech market is projected to grow substantially, offering a fertile ground for the company's tech-driven financial solutions to scale and capture new revenue streams beyond traditional offerings.
- Expansion of Financial Services Portfolio: The company's comprehensive financial services, including pension, savings, investment, and asset management solutions, present avenues for organic growth. As economies in its operating regions mature and populations age, demand for sophisticated wealth management, retirement planning, and specialized investment funds is expected to rise. Grupo Suramericana's established presence and diverse product suite enable it to cross-sell and up-sell services, deepening customer relationships and increasing assets under management, thereby securing long-term revenue growth.
- Leveraging Industrial Sector Presence: Grupo Suramericana's involvement in construction materials (cement, concrete, aggregates) and processed foods offers stable revenue streams and growth potential, particularly in developing economies. Infrastructure development initiatives and growing consumer demand for packaged foods in its markets provide a consistent demand base. Strategic investments in production efficiency, product innovation, and market penetration within these industrial segments can capitalize on regional economic growth and urbanization trends, diversifying revenue away from purely financial services cycles.
- Infrastructure Concessions and Real Estate Development: The company's engagement in power generation and distribution, real estate development, and management of infrastructure concessions for roads and airports represents a long-term growth opportunity. These sectors often involve stable, long-term contracts and can generate predictable cash flows. As governments continue to invest in modernizing and expanding infrastructure, Grupo Suramericana is well-positioned to secure new projects and expand its footprint, benefiting from public-private partnerships and urban development trends over multi-year horizons.
- Corporate Venturing and Technology Investments: Through its risk capital fund dedicated to early-stage and growing technology companies, Grupo Suramericana is strategically investing in future growth areas. This corporate venturing approach allows the company to gain exposure to disruptive technologies and business models that can complement its core operations or open entirely new markets. By fostering innovation and potentially acquiring successful ventures, the company can ensure its long-term relevance and competitive edge in an rapidly evolving technological landscape, securing future revenue streams and strategic advantages.
What Opportunities Does GIVPY Have?
- Further expansion into new international markets, particularly in Latin America, for financial and industrial services.
- Continued innovation and integration of AI and digital technologies to capture market share in fintech and insurtech.
- Capitalizing on infrastructure development trends through its concessions and construction materials businesses.
- Growth in wealth management and pension services driven by demographic shifts and increasing financial literacy.
- Strategic acquisitions or partnerships in emerging technology sectors through its risk capital fund.
What Threats Does GIVPY Face?
- Intensified competition from specialized fintech companies and global financial institutions.
- Economic downturns or political instability in key operating regions impacting consumer spending and industrial demand.
- Adverse changes in interest rates or regulatory environments affecting profitability in financial services.
- Disruptions in supply chains or raw material costs impacting industrial production margins.
- Cybersecurity risks and data breaches, particularly for its extensive digital platforms and financial data.
What Are GIVPY's Competitive Advantages?
- Extensive diversification across financial services, industrial production, and corporate venturing, reducing reliance on any single sector.
- Established market presence and brand recognition in Colombia and internationally within its core business areas.
- Comprehensive digital transformation initiatives, including AI-powered platforms and digital marketplaces, enhancing customer engagement and operational efficiency.
- Integrated ecosystem of financial products and services allowing for cross-selling and deeper client relationships.
- Strategic investments in infrastructure concessions and real estate, providing long-term, stable revenue streams.
What Does GIVPY Do?
Headquartered in Medellin, Colombia, Grupo de Inversiones Suramericana S.A. was established in 1997 and has since evolved into a multinational conglomerate with a robust presence across financial services, industrial production, and corporate venturing. Its extensive financial services portfolio encompasses a wide array of insurance products, including general, life, and reinsurance, alongside integrated pension, savings, investment, and asset management solutions. The company also offers specialized investment funds, annuities, severance pay, and health plans, complemented by comprehensive occupational hazard coverage. Beyond insurance, Grupo Suramericana provides a full spectrum of banking services, including business, consumer, insurance, investment, offshore, private, and government banking, enhanced by treasury products. In the industrial sector, the group is a significant producer of essential construction materials such as cement, concrete, and aggregates. It also commands a notable market share in processed foods, manufacturing popular items like cold cuts, confectionery, chocolates, coffee, ice cream, and pasta. The conglomerate's interests further extend to critical infrastructure, including power generation and distribution, real estate development, and the management of infrastructure concessions for roads and airports. Additionally, it offers a variety of business support services. Embracing digital transformation, Grupo Suramericana has developed and deployed advanced technological solutions. These include human talent information management systems, a digital marketplace specifically for mortgages, and sophisticated platforms designed for engaging, marketing, selling, and administering financial products. The company also innovates with health technology platforms, tools for prevention and wellbeing programs, and AI-powered web and mobile applications. Its digital footprint is further expanded by an on-demand insurance platform and a dedicated risk capital fund that invests in early-stage and growing technology companies. The diverse offerings are rounded out by integrated information, technology, and knowledge solutions; specialized residential, functional conditioning, and rehabilitation services for the elderly; data processing and computer equipment leasing; various consultancy and advisory services (management, medical, paramedical, dental, diagnostic aid); risk management; telecommunications; outsourcing; and vehicle services covering inspection, repair, purchase, and sales. The group also functions as a securities broker, facilitating the buying and selling of securities, underscoring its comprehensive market engagement.
What Products and Services Does GIVPY Offer?
- Provide a full range of insurance products including general, life, and reinsurance services.
- Offer integrated pension, savings, investment, and asset management solutions.
- Deliver comprehensive banking services: business, consumer, investment, offshore, private, and government banking.
- Produce construction materials such as cement, concrete, and aggregates.
- Manufacture processed foods including cold cuts, confectionery, chocolates, coffee, ice cream, and pasta.
- Engage in power generation and distribution, real estate development, and infrastructure concessions (roads, airports).
- Develop and deploy digital solutions like human talent information systems, mortgage marketplaces, and AI-powered health platforms.
- Operate a risk capital fund investing in early-stage and growing technology companies.
How Does GIVPY Make Money?
- Generate revenue from premiums and investment income across various insurance lines (life, general, reinsurance).
- Earn fees and interest income from banking services, asset management, and investment funds.
- Derive sales revenue from the production and distribution of construction materials.
- Obtain sales revenue from the manufacturing and distribution of processed food products.
- Secure income from managing infrastructure concessions, real estate development, and power generation/distribution.
What Industry Does GIVPY Operate In?
Grupo de Inversiones Suramericana S.A. operates within the highly competitive and evolving Financial Services sector, specifically within the diversified insurance industry, while also maintaining significant industrial operations. The financial services landscape is currently shaped by rapid digital transformation, increasing regulatory scrutiny, and shifting consumer preferences towards integrated digital solutions. Grupo Suramericana's diversified model, encompassing insurance, banking, and asset management, positions it to capture growth across multiple financial sub-sectors. In the industrial segment, it competes in construction materials and processed foods, industries influenced by economic cycles and consumer demand. Its strategy of integrating technology, such as AI-powered platforms and digital marketplaces, is crucial for maintaining competitiveness against both traditional financial institutions and emerging fintech challengers. The company's broad portfolio allows it to mitigate risks associated with single-industry exposure, providing a degree of stability in dynamic market conditions.
Who Are GIVPY's Key Customers?
- Individual consumers seeking insurance, banking, pension, and investment products.
- Businesses requiring corporate banking, employee benefits (pensions, occupational hazards), and human talent management solutions.
- Government entities utilizing banking services and engaging in infrastructure concession partnerships.
- Construction companies and developers purchasing cement, concrete, and aggregates.
- Retailers and consumers for processed food products like cold cuts, chocolates, and pasta.
How Grupo de Inversiones Suramericana S.A. Is Valued
Grupo de Inversiones Suramericana S.A. carries a market capitalization of $3.55B, placing it in the mid-cap category. Relative to its peer group, GIVPY's quantitative score of 48/100 is below the peer average of 64/100.
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. GIVPY has traded publicly since 2022.
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. GIVPY trades at a trailing price-to-earnings ratio of 3.02, 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 0.88 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.
GIVPY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, indicating confidence from leadership in the company's future prospects.
- Community sentiment has turned positive as discussions around potential growth in emerging markets gain traction.
- Recent strategic partnerships have positioned the company for expansion, enhancing its competitive edge.
- Investors are optimistic about the company's diversification efforts, which may mitigate risks in volatile sectors.
Bear Case
- Concerns about regulatory challenges in key markets have created a cautious outlook among investors.
- Negative sentiment in social discussions reflects worries about the company's ability to maintain profitability amid rising costs.
- Recent earnings reports have raised eyebrows, leading to skepticism about the company's growth trajectory.
- Market perception is clouded by broader economic uncertainties, causing some investors to adopt a wait-and-see approach.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
GIVPY Latest News
No recent news available for GIVPY.
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.
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
Unknown
Track Record: Unknown
Grupo de Inversiones Suramericana S.A. ADR Information Unsponsored
Grupo de Inversiones Suramericana S.A. trades in the U.S. as an American Depositary Receipt (ADR), specifically a Level 1 ADR. An ADR is a certificate issued by a U.S. depositary bank representing shares in a foreign stock. For GIVPY, this means U.S. investors can trade its shares on the OTC market in U.S. dollars, rather than directly on the Medellín stock exchange in Colombian pesos. This simplifies cross-border investing by handling currency conversion and share custody.
- Home Market Ticker: Bolsa de Valores de Colombia (Colombian Stock Exchange), Medellín, CO
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: GIVP
GIVPY OTC Market Information
GIVPY trades on the 'OTC Other' tier of the OTC market. This tier is for companies that do not meet the disclosure requirements for OTCQX or OTCQB, or that choose not to provide financial information to OTC Markets Group. While it allows for public trading, it signifies less stringent disclosure standards compared to major exchanges like NYSE or NASDAQ, or even the higher OTC tiers. Companies in this tier may not provide regular, audited financial statements, which can make it challenging for investors to conduct thorough due diligence and assess financial health.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Public Information: The 'Unknown' disclosure status means less financial transparency, making it harder to assess the company's true financial health and operational performance.
- Lower Liquidity: Trading on the OTC Other tier often results in lower trading volumes and wider bid-ask spreads, making it difficult to buy or sell shares quickly at desired prices.
- Price Volatility: Reduced liquidity and transparency can lead to greater price volatility, as fewer participants and less information can cause disproportionate price movements.
- Regulatory Oversight: OTC Other companies are subject to less stringent regulatory oversight compared to exchange-listed companies, which may expose investors to higher risks.
- Fraud Risk: While not specific to GIVPY, the OTC market, particularly lower tiers, has historically been associated with a higher risk of fraud due to less rigorous reporting requirements.
- Verify the company's official financial reports directly from the Colombian regulatory bodies or its investor relations website, if available.
- Research the company's corporate governance practices and management team beyond the basic information provided.
- Analyze the company's home market trading volume and share price performance for a more complete picture of its liquidity and valuation.
- Assess the specific risks associated with its diversified operations in both financial services and industrial sectors, including regulatory and economic factors in Colombia.
- Understand the ADR structure, including the depositary bank, fees, and any potential for share conversion issues.
- Consult with a tax advisor regarding the implications of foreign withholding taxes on dividends and potential U.S. tax credits.
- Evaluate the long-term strategic plans and competitive landscape within its core business segments to gauge future growth prospects.
- Established multinational conglomerate with operations since 1997, indicating a long operational history.
- Significant employee base of 60,173, suggesting a substantial and active enterprise.
- Diversified operations across financial services, industrial production, and corporate venturing, implying a broad and active business scope.
- Headquartered in Medellín, Colombia, indicating a clear physical presence and established base of operations.
- Publicly traded on its home market (Bolsa de Valores de Colombia) under the ticker GIVP, providing a regulated primary listing.
What Investors Ask About Grupo de Inversiones Suramericana S.A. (GIVPY) — Financial Services
What is Grupo de Inversiones Suramericana S.A.'s diversified business strategy?
Grupo de Inversiones Suramericana S.A. employs a highly diversified business strategy, operating across three primary pillars: financial services, industrial production, and corporate venturing. In financial services, it offers a comprehensive suite including insurance (life, general, reinsurance), banking, pensions, savings, and asset management. Its industrial segment focuses on construction materials like cement and aggregates, alongside processed foods such as chocolates and pasta. The corporate venturing arm strategically invests in early-stage technology companies. This diversification aims to mitigate risks associated with single-sector reliance, capture growth opportunities across varied economic cycles, and leverage synergies between its different business units to enhance overall resilience and market presence in Colombia and internationally.
How does Grupo de Inversiones Suramericana S.A. manage the complexities and risks inherent in its broad portfolio of financial and industrial operations?
Managing a conglomerate like Grupo de Inversiones Suramericana S.A. involves robust risk management frameworks tailored to each sector. For financial services, this includes stringent regulatory compliance, capital adequacy management, credit risk assessment, and market risk monitoring. In its industrial segments, operational risks, supply chain management, commodity price volatility, and environmental regulations are key considerations. The company's diversification itself acts as a risk mitigation strategy, as strong performance in one sector can offset weaknesses in another. Furthermore, its investments in digital transformation and AI-powered platforms are designed to enhance operational efficiency, improve data-driven decision-making, and strengthen cybersecurity across all its varied business lines, thereby reducing overall operational and strategic risks.
What are the key considerations for investors regarding GIVPY's status as an ADR trading on the OTC market?
For investors, GIVPY's status as a Level 1 ADR trading on the OTC Other tier implies several key considerations. As a Level 1 ADR, it offers U.S. investors access to the company's shares without direct foreign exchange trading, but it does not involve new capital raising in the U.S. The 'OTC Other' tier means less stringent disclosure requirements compared to major exchanges or higher OTC tiers, potentially leading to limited access to comprehensive financial information. This can result in lower liquidity, wider bid-ask spreads, and increased price volatility. Additionally, investors face currency risk due to the underlying shares being denominated in Colombian Pesos, and dividends are subject to foreign withholding taxes. Thorough due diligence, including sourcing information directly from the home market, is crucial.
How is Grupo de Inversiones Suramericana S.A. utilizing digital transformation and technology to enhance its financial services and industrial offerings?
Grupo de Inversiones Suramericana S.A. is deeply committed to digital transformation across its diverse operations. In financial services, it has developed a digital marketplace for mortgages, platforms for engaging and administering financial products, and an on-demand insurance platform, all aimed at improving customer experience and expanding reach. For health services, it leverages health technology platforms and AI-powered web/mobile applications for prevention and wellbeing. The company also offers technological solutions for human talent information management. Furthermore, its risk capital fund invests in early-stage tech companies, signaling a strategic intent to integrate and benefit from emerging technologies across its financial and industrial segments, driving efficiency and innovation.
What are the key factors to evaluate for GIVPY?
Grupo de Inversiones Suramericana S.A. (GIVPY) holds an AI score of 48/100 (low). P/E: 3.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does GIVPY data refresh on this page?
GIVPY 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 GIVPY's recent stock price performance?
Grupo de Inversiones Suramericana S.A. (GIVPY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Highly diversified business model spanning financial services, industrial production, and corporate venturing. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GIVPY overvalued or undervalued right now?
Grupo de Inversiones Suramericana S.A. (GIVPY) trades at 3.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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.
- CEO background and track record details were not provided in the source data, so 'Unknown' was used in compliance with content rules.
- Specific market sizes and timelines for some growth opportunities were inferred from general industry trends as not explicitly provided.
- The 'Unknown' disclosure status for OTC implies limited public financial reporting, which impacts the depth of analysis possible without external data.