CIB
Grupo Cibest S.A.
Banks - Regional
Market Cap$15.86B
5Y Perf.+158.5%
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Stock Comparison
CIB vs GFI
Revenue, margins, valuation, and 5-year total return — side by side.
GFI
Gold Fields Limited
Gold
Market Cap$41.35B
5Y Perf.+498.4%
CIB vs GFI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CIB | GFI |
|---|---|---|
| Industry | Banks - Regional | Gold |
| Market Cap | $15.86B | $41.35B |
| Revenue (TTM) | $42.92T | $10.92B |
| Net Income (TTM) | $7.26T | $2.54B |
| Gross Margin | 61.1% | 43.1% |
| Operating Margin | 20.8% | 43.2% |
| Forward P/E | 0.0x | 7.9x |
| Total Debt | $19.36T | $2.95B |
| Cash & Equiv. | $22.78T | $860M |
CIB vs GFI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CIB
GFI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Cibest S.A. (CIB) | 100 | 258.5 | +158.5% |
| Gold Fields Limited (GFI) | 100 | 598.4 | +498.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIB vs GFI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: GFI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Grupo Cibest S.A. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
CIB
Grupo Cibest S.A.
The Banking Pick
CIB is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 4 yrs, beta 0.69, yield 8.8%
- Lower volatility, beta 0.69, Low D/E 47.3%, current ratio 33.73x
- Beta 0.69, yield 8.8%, current ratio 33.73x
Best for: income & stability and sleep-well-at-night
GFI
Gold Fields Limited
The Growth Play
GFI carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 15.6%, EPS growth 79.2%, 3Y rev CAGR 7.4%
- 9.9% 10Y total return vs CIB's 147.5%
- 15.6% revenue growth vs CIB's 0.0%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | GFI | 15.6% revenue growth vs CIB's 0.0% |
| Value | CIB | Lower P/E (0.0x vs 7.9x) |
| Quality / Margins | GFI | 23.2% margin vs CIB's 15.8% |
| Stability / Safety | CIB | Beta 0.69 vs GFI's 0.86, lower leverage |
| Dividends | CIB | 8.8% yield, 4-year raise streak, vs GFI's 0.8% |
| Momentum (1Y) | GFI | +105.1% vs CIB's +65.2% |
| Efficiency (ROA) | GFI | 23.4% ROA vs CIB's 1.9%, ROIC 24.0% vs 9.9% |
CIB vs GFI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2020
FY 2022
CIB vs GFI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCIBLAGGINGGFI
GFIGold Fields Limited
3leads
CIBGrupo Cibest S.A.
3leads
6 Total Categories
CATEGORYLEADERvs GFIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GFI3/5
Valuation MetricsMultiples, price ratios, and targets
CIB7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GFI6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
GFI4/6
Risk & VolatilityBeta, volatility, and downside exposure
CIB2/2
Analyst OutlookRatings, price targets, and dividends
CIB2/2
Income & Cash Flow (Last 12 Months)
GFI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CIB is the larger business by revenue, generating $42.92T annually — 3929.2x GFI's $10.9B. GFI is the more profitable business, keeping 23.2% of every revenue dollar as net income compared to CIB's 15.8%.
| Metric | CIBGrupo Cibest S.A. | GFIGold Fields Limit… |
|---|---|---|
| RevenueTrailing 12 months | $42.92T | $10.9B |
| EBITDAEarnings before interest/tax | $10.70T | $6.0B |
| Net IncomeAfter-tax profit | $7.26T | $2.5B |
| Free Cash FlowCash after capex | $10.01T | $2.0B |
| Gross MarginGross profit ÷ Revenue | +61.1% | +43.1% |
| Operating MarginEBIT ÷ Revenue | +20.8% | +43.2% |
| Net MarginNet income ÷ Revenue | +15.8% | +23.2% |
| FCF MarginFCF ÷ Revenue | +23.3% | +18.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +64.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -4.0% | +165.1% |
GFI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
CIB leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, CIB trades at a 74% valuation discount to GFI's 33.5x P/E. Adjusting for growth (PEG ratio), CIB offers better value at 0.20x vs GFI's 0.69x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | CIBGrupo Cibest S.A. | GFIGold Fields Limit… |
|---|---|---|
| Market CapShares × price | $15.9B | $41.4B |
| Enterprise ValueMkt cap + debt − cash | $14.9B | $43.4B |
| Trailing P/EPrice ÷ TTM EPS | 8.69x | 33.48x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 7.86x |
| PEG RatioP/E ÷ EPS growth rate | 0.20x | 0.69x |
| EV / EBITDAEnterprise value multiple | 6.19x | 15.97x |
| Price / SalesMarket cap ÷ Revenue | 1.37x | 7.95x |
| Price / BookPrice ÷ Book value/share | 1.44x | 7.71x |
| Price / FCFMarket cap ÷ FCF | 5.86x | 58.31x |
CIB leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
GFI leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
GFI delivers a 40.6% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $17 for CIB. CIB carries lower financial leverage with a 0.47x debt-to-equity ratio, signaling a more conservative balance sheet compared to GFI's 0.55x. On the Piotroski fundamental quality scale (0–9), CIB scores 8/9 vs GFI's 5/9, reflecting strong financial health.
| Metric | CIBGrupo Cibest S.A. | GFIGold Fields Limit… |
|---|---|---|
| ROE (TTM)Return on equity | +17.2% | +40.6% |
| ROA (TTM)Return on assets | +1.9% | +23.4% |
| ROICReturn on invested capital | +9.9% | +24.0% |
| ROCEReturn on capital employed | +3.9% | +27.6% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 5 |
| Debt / EquityFinancial leverage | 0.47x | 0.55x |
| Net DebtTotal debt minus cash | -$3.42T | $2.1B |
| Cash & Equiv.Liquid assets | $22.78T | $860M |
| Total DebtShort + long-term debt | $19.36T | $2.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 44.58x |
GFI leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
GFI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GFI five years ago would be worth $49,911 today (with dividends reinvested), compared to $26,997 for CIB. Over the past 12 months, GFI leads with a +105.1% total return vs CIB's +65.2%. The 3-year compound annual growth rate (CAGR) favors CIB at 46.0% vs GFI's 42.8% — a key indicator of consistent wealth creation.
| Metric | CIBGrupo Cibest S.A. | GFIGold Fields Limit… |
|---|---|---|
| YTD ReturnYear-to-date | +7.7% | +9.4% |
| 1-Year ReturnPast 12 months | +65.2% | +105.1% |
| 3-Year ReturnCumulative with dividends | +211.4% | +191.4% |
| 5-Year ReturnCumulative with dividends | +170.0% | +399.1% |
| 10-Year ReturnCumulative with dividends | +147.5% | +989.0% |
| CAGR (3Y)Annualised 3-year return | +46.0% | +42.8% |
GFI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
CIB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CIB is the less volatile stock with a 0.69 beta — it tends to amplify market swings less than GFI's 0.86 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | CIBGrupo Cibest S.A. | GFIGold Fields Limit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.69x | 0.86x |
| 52-Week HighHighest price in past year | $86.31 | $61.64 |
| 52-Week LowLowest price in past year | $40.07 | $19.35 |
| % of 52W HighCurrent price vs 52-week peak | +77.4% | +75.0% |
| RSI (14)Momentum oscillator 0–100 | 34.6 | 39.2 |
| Avg Volume (50D)Average daily shares traded | 427K | 3.1M |
CIB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
CIB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CIB as "Buy" and GFI as "Hold". Consensus price targets imply 17.8% upside for GFI (target: $54) vs 0.7% for CIB (target: $67). For income investors, CIB offers the higher dividend yield at 8.82% vs GFI's 0.85%.
| Metric | CIBGrupo Cibest S.A. | GFIGold Fields Limit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $67.33 | $54.42 |
| # AnalystsCovering analysts | 15 | 18 |
| Dividend YieldAnnual dividend ÷ price | +8.8% | +0.8% |
| Dividend StreakConsecutive years of raises | 4 | 0 |
| Dividend / ShareAnnual DPS | $21806.88 | $0.39 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | 0.0% |
CIB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
GFI leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). CIB leads in 3 (Valuation Metrics, Risk & Volatility).
Best OverallGrupo Cibest S.A. (CIB)Leads 3 of 6 categories
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CIB vs GFI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CIB or GFI a better buy right now?
For growth investors, Gold Fields Limited (GFI) is the stronger pick with 15.
6% revenue growth year-over-year, versus 0. 0% for Grupo Cibest S. A. (CIB). Grupo Cibest S. A. (CIB) offers the better valuation at 8. 7x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Grupo Cibest S. A. (CIB) a "Buy" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CIB or GFI?
On trailing P/E, Grupo Cibest S.
A. (CIB) is the cheapest at 8. 7x versus Gold Fields Limited at 33. 5x. On forward P/E, Grupo Cibest S. A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — CIB or GFI?
Over the past 5 years, Gold Fields Limited (GFI) delivered a total return of +399.
1%, compared to +170. 0% for Grupo Cibest S. A. (CIB). Over 10 years, the gap is even starker: GFI returned +989. 0% versus CIB's +147. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CIB or GFI?
By beta (market sensitivity over 5 years), Grupo Cibest S.
A. (CIB) is the lower-risk stock at 0. 69β versus Gold Fields Limited's 0. 86β — meaning GFI is approximately 24% more volatile than CIB relative to the S&P 500. On balance sheet safety, Grupo Cibest S. A. (CIB) carries a lower debt/equity ratio of 47% versus 55% for Gold Fields Limited — giving it more financial flexibility in a downturn.
05Which is growing faster — CIB or GFI?
By revenue growth (latest reported year), Gold Fields Limited (GFI) is pulling ahead at 15.
6% versus 0. 0% for Grupo Cibest S. A. (CIB). On earnings-per-share growth, the picture is similar: Gold Fields Limited grew EPS 79. 2% year-over-year, compared to 9. 2% for Grupo Cibest S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CIB or GFI?
Gold Fields Limited (GFI) is the more profitable company, earning 23.
9% net margin versus 15. 8% for Grupo Cibest S. A. — meaning it keeps 23. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GFI leads at 40. 2% versus 20. 8% for CIB. At the gross margin level — before operating expenses — CIB leads at 61. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CIB or GFI more undervalued right now?
On forward earnings alone, Grupo Cibest S.
A. (CIB) trades at 0. 0x forward P/E versus 7. 9x for Gold Fields Limited — 7. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GFI: 17. 8% to $54. 42.
08Which pays a better dividend — CIB or GFI?
All stocks in this comparison pay dividends.
Grupo Cibest S. A. (CIB) offers the highest yield at 8. 8%, versus 0. 8% for Gold Fields Limited (GFI).
09Is CIB or GFI better for a retirement portfolio?
For long-horizon retirement investors, Gold Fields Limited (GFI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
86), 0. 8% yield, +989. 0% 10Y return). Both have compounded well over 10 years (GFI: +989. 0%, CIB: +147. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CIB and GFI?
These companies operate in different sectors (CIB (Financial Services) and GFI (Basic Materials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: CIB is a mid-cap deep-value stock; GFI is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CIB: 0.0% · GFI: 64.2%)Net Margin>
%
(CIB: 15.8% · GFI: 23.2%)P/E Ratio<
x
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