CIB
Grupo Cibest S.A.
Banks - Regional
Market Cap$15.46B
5Y Perf.+151.9%
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Stock Comparison
CIB vs GGAL
Revenue, margins, valuation, and 5-year total return — side by side.
GGAL
Grupo Financiero Galicia S.A.
Banks - Regional
Market Cap$5.73B
5Y Perf.+439.8%
CIB vs GGAL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CIB | GGAL |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $15.46B | $5.73B |
| Revenue (TTM) | $42.92T | $10.63T |
| Net Income (TTM) | $7.26T | $915.98B |
| Gross Margin | 61.1% | 62.7% |
| Operating Margin | 20.8% | 20.8% |
| Forward P/E | 0.0x | 0.0x |
| Total Debt | $19.36T | $2.16T |
| Cash & Equiv. | $22.78T | $3.76T |
CIB vs GGAL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CIB
GGAL
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Cibest S.A. (CIB) | 100 | 251.9 | +151.9% |
| Grupo Financiero Ga… (GGAL) | 100 | 539.8 | +439.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIB vs GGAL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CIB leads in 7 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
CIB
Grupo Cibest S.A.
The Banking Pick
CIB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 0.69, yield 9.0%
- Rev growth 0.0%, EPS growth 9.2%
- 148.1% 10Y total return vs GGAL's 71.6%
Best for: income & stability and growth exposure
GGAL
Grupo Financiero Galicia S.A.
The Banking Pick
GGAL is the clearest fit if your priority is bank quality.
- NIM 15.8% vs CIB's 5.1%
Best for: bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CIB | 0.0% NII/revenue growth vs GGAL's -23.5% |
| Value | CIB | Lower P/E (0.0x vs 0.0x) |
| Quality / Margins | CIB | Efficiency ratio 0.4% vs GGAL's 0.4% (lower = leaner) |
| Stability / Safety | CIB | Beta 0.69 vs GGAL's 1.73 |
| Dividends | CIB | 9.0% yield, 4-year raise streak, vs GGAL's 6.9% |
| Momentum (1Y) | CIB | +63.0% vs GGAL's -23.2% |
| Efficiency (ROA) | CIB | Efficiency ratio 0.4% vs GGAL's 0.4% |
CIB vs GGAL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2020
Segment breakdown not available.
CIB vs GGAL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCIBLAGGINGGGAL
GGALGrupo Financiero Gali…
2leads
CIBGrupo Cibest S.A.
3leads
6 Total Categories
CATEGORYLEADERvs GGALMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CIB3/5
Valuation MetricsMultiples, price ratios, and targets
GGAL4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GGAL5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
CIB2/2
Analyst OutlookRatings, price targets, and dividends
CIB2/2
Income & Cash Flow (Last 12 Months)
CIB 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 — 4.0x GGAL's $10.63T. Profitability is closely matched — net margins range from 15.8% (CIB) to 15.3% (GGAL).
| Metric | CIBGrupo Cibest S.A. | GGALGrupo Financiero … |
|---|---|---|
| RevenueTrailing 12 months | $42.92T | $10.63T |
| EBITDAEarnings before interest/tax | $10.70T | $1.35T |
| Net IncomeAfter-tax profit | $7.26T | $916.0B |
| Free Cash FlowCash after capex | $10.01T | $3.62T |
| Gross MarginGross profit ÷ Revenue | +61.1% | +62.7% |
| Operating MarginEBIT ÷ Revenue | +20.8% | +20.8% |
| Net MarginNet income ÷ Revenue | +15.8% | +15.3% |
| FCF MarginFCF ÷ Revenue | +23.3% | -27.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.0% | -138.6% |
CIB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
GGAL leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 5.1x trailing earnings, GGAL trades at a 40% valuation discount to CIB's 8.5x P/E. Adjusting for growth (PEG ratio), GGAL offers better value at 0.04x vs CIB's 0.19x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | CIBGrupo Cibest S.A. | GGALGrupo Financiero … |
|---|---|---|
| Market CapShares × price | $15.5B | $5.7B |
| Enterprise ValueMkt cap + debt − cash | $14.5B | $4.6B |
| Trailing P/EPrice ÷ TTM EPS | 8.49x | 5.06x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | 0.19x | 0.04x |
| EV / EBITDAEnterprise value multiple | 6.04x | 2.65x |
| Price / SalesMarket cap ÷ Revenue | 1.33x | 0.75x |
| Price / BookPrice ÷ Book value/share | 1.41x | 1.47x |
| Price / FCFMarket cap ÷ FCF | 5.72x | — |
GGAL leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
GGAL leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
CIB delivers a 17.2% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $13 for GGAL. GGAL carries lower financial leverage with a 0.36x debt-to-equity ratio, signaling a more conservative balance sheet compared to CIB's 0.47x. On the Piotroski fundamental quality scale (0–9), CIB scores 8/9 vs GGAL's 3/9, reflecting strong financial health.
| Metric | CIBGrupo Cibest S.A. | GGALGrupo Financiero … |
|---|---|---|
| ROE (TTM)Return on equity | +17.2% | +12.9% |
| ROA (TTM)Return on assets | +1.9% | +2.2% |
| ROICReturn on invested capital | +9.9% | +31.0% |
| ROCEReturn on capital employed | +3.9% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 3 |
| Debt / EquityFinancial leverage | 0.47x | 0.36x |
| Net DebtTotal debt minus cash | -$3.42T | -$203.1B |
| Cash & Equiv.Liquid assets | $22.78T | $3.76T |
| Total DebtShort + long-term debt | $19.36T | $2.16T |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 0.71x |
GGAL leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — CIB and GGAL each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GGAL five years ago would be worth $61,746 today (with dividends reinvested), compared to $25,910 for CIB. Over the past 12 months, CIB leads with a +63.0% total return vs GGAL's -23.2%. The 3-year compound annual growth rate (CAGR) favors GGAL at 59.3% vs CIB's 45.0% — a key indicator of consistent wealth creation.
| Metric | CIBGrupo Cibest S.A. | GGALGrupo Financiero … |
|---|---|---|
| YTD ReturnYear-to-date | +5.0% | -18.1% |
| 1-Year ReturnPast 12 months | +63.0% | -23.2% |
| 3-Year ReturnCumulative with dividends | +204.7% | +304.2% |
| 5-Year ReturnCumulative with dividends | +159.1% | +517.5% |
| 10-Year ReturnCumulative with dividends | +148.1% | +71.6% |
| CAGR (3Y)Annualised 3-year return | +45.0% | +59.3% |
Evenly matched — CIB and GGAL each lead in 3 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 GGAL's 1.73 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CIB currently trades 75.5% from its 52-week high vs GGAL's 66.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CIBGrupo Cibest S.A. | GGALGrupo Financiero … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.69x | 1.73x |
| 52-Week HighHighest price in past year | $86.31 | $65.48 |
| 52-Week LowLowest price in past year | $40.26 | $25.89 |
| % of 52W HighCurrent price vs 52-week peak | +75.5% | +66.0% |
| RSI (14)Momentum oscillator 0–100 | 38.6 | 46.5 |
| Avg Volume (50D)Average daily shares traded | 419K | 1.1M |
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 GGAL as "Buy". Consensus price targets imply 39.9% upside for GGAL (target: $61) vs 3.3% for CIB (target: $67). For income investors, CIB offers the higher dividend yield at 9.03% vs GGAL's 6.91%.
| Metric | CIBGrupo Cibest S.A. | GGALGrupo Financiero … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $67.33 | $60.50 |
| # AnalystsCovering analysts | 15 | 12 |
| Dividend YieldAnnual dividend ÷ price | +9.0% | +6.9% |
| Dividend StreakConsecutive years of raises | 4 | 0 |
| Dividend / ShareAnnual DPS | $21806.88 | $4146.37 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.8% | +0.0% |
CIB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
CIB leads in 3 of 6 categories (Income & Cash Flow, Risk & Volatility). GGAL leads in 2 (Valuation Metrics, Profitability & Efficiency). 1 tied.
Best OverallGrupo Cibest S.A. (CIB)Leads 3 of 6 categories
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CIB vs GGAL: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CIB or GGAL a better buy right now?
For growth investors, Grupo Cibest S.
A. (CIB) is the stronger pick with 0. 0% revenue growth year-over-year, versus -23. 5% for Grupo Financiero Galicia S. A. (GGAL). Grupo Financiero Galicia S. A. (GGAL) offers the better valuation at 5. 1x 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 GGAL?
On trailing P/E, Grupo Financiero Galicia S.
A. (GGAL) is the cheapest at 5. 1x versus Grupo Cibest S. A. at 8. 5x. On forward P/E, Grupo Cibest S. A. is actually cheaper at 0. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — CIB or GGAL?
Over the past 5 years, Grupo Financiero Galicia S.
A. (GGAL) delivered a total return of +517. 5%, compared to +159. 1% for Grupo Cibest S. A. (CIB). Over 10 years, the gap is even starker: CIB returned +148. 1% versus GGAL's +71. 6%. 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 GGAL?
By beta (market sensitivity over 5 years), Grupo Cibest S.
A. (CIB) is the lower-risk stock at 0. 69β versus Grupo Financiero Galicia S. A. 's 1. 73β — meaning GGAL is approximately 150% more volatile than CIB relative to the S&P 500. On balance sheet safety, Grupo Financiero Galicia S. A. (GGAL) carries a lower debt/equity ratio of 36% versus 47% for Grupo Cibest S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — CIB or GGAL?
By revenue growth (latest reported year), Grupo Cibest S.
A. (CIB) is pulling ahead at 0. 0% versus -23. 5% for Grupo Financiero Galicia S. A. (GGAL). On earnings-per-share growth, the picture is similar: Grupo Financiero Galicia S. A. grew EPS 119. 6% 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 GGAL?
Grupo Cibest S.
A. (CIB) is the more profitable company, earning 15. 8% net margin versus 15. 3% for Grupo Financiero Galicia S. A. — meaning it keeps 15. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GGAL leads at 20. 8% versus 20. 8% for CIB. At the gross margin level — before operating expenses — GGAL leads at 62. 7%, 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 GGAL more undervalued right now?
On forward earnings alone, Grupo Cibest S.
A. (CIB) trades at 0. 0x forward P/E versus 0. 0x for Grupo Financiero Galicia S. A. — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GGAL: 39. 9% to $60. 50.
08Which pays a better dividend — CIB or GGAL?
All stocks in this comparison pay dividends.
Grupo Cibest S. A. (CIB) offers the highest yield at 9. 0%, versus 6. 9% for Grupo Financiero Galicia S. A. (GGAL).
09Is CIB or GGAL better for a retirement portfolio?
For long-horizon retirement investors, Grupo Cibest S.
A. (CIB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 69), 9. 0% yield, +148. 1% 10Y return). Grupo Financiero Galicia S. A. (GGAL) carries a higher beta of 1. 73 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (CIB: +148. 1%, GGAL: +71. 6%), 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 GGAL?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
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% · GGAL: -23.5%)Net Margin>
%
(CIB: 15.8% · GGAL: 15.3%)P/E Ratio<
x
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