CIB
Grupo Cibest S.A.
Banks - Regional
Market Cap$15.86B
5Y Perf.+158.5%
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Stock Comparison
CIB vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
CIB vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CIB | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $15.86B | $611.60B |
| Revenue (TTM) | $42.92T | $40.00B |
| Net Income (TTM) | $7.26T | $22.24B |
| Gross Margin | 61.1% | 80.4% |
| Operating Margin | 20.8% | 60.0% |
| Forward P/E | 0.0x | 24.4x |
| Total Debt | $19.36T | $25.17B |
| Cash & Equiv. | $22.78T | $20.15B |
CIB vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CIB
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Cibest S.A. (CIB) | 100 | 258.5 | +158.5% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIB vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V 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 dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
CIB
Grupo Cibest S.A.
The Banking Pick
CIB is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.69, Low D/E 47.3%, current ratio 33.73x
- Beta 0.69, yield 8.8%, current ratio 33.73x
- Lower P/E (0.0x vs 24.4x)
Best for: sleep-well-at-night and defensive
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 328.6% 10Y total return vs CIB's 147.5%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs CIB's 0.0% |
| Value | CIB | Lower P/E (0.0x vs 24.4x) |
| Quality / Margins | V | Efficiency ratio 0.2% vs CIB's 0.4% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs CIB's 0.69 |
| Dividends | CIB | 8.8% yield, 4-year raise streak, vs V's 0.7% |
| Momentum (1Y) | CIB | +65.2% vs V's -7.6% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs CIB's 0.4% |
CIB vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2020
FY 2025
CIB vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGCIB
CIBGrupo Cibest S.A.
2leads
VVisa Inc.
3leads
6 Total Categories
CATEGORYLEADERvs CIBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
CIB7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CIB5/6
Risk & VolatilityBeta, volatility, and downside exposure
V2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CIB is the larger business by revenue, generating $42.92T annually — 1072.9x V's $40.0B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to CIB's 15.8%.
| Metric | CIBGrupo Cibest S.A. | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $42.92T | $40.0B |
| EBITDAEarnings before interest/tax | $10.70T | $27.6B |
| Net IncomeAfter-tax profit | $7.26T | $22.2B |
| Free Cash FlowCash after capex | $10.01T | $21.2B |
| Gross MarginGross profit ÷ Revenue | +61.1% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +20.8% | +60.0% |
| Net MarginNet income ÷ Revenue | +15.8% | +50.1% |
| FCF MarginFCF ÷ Revenue | +23.3% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.0% | +35.3% |
V leads this category, winning 5 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 72% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), CIB offers better value at 0.20x vs V's 1.97x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | CIBGrupo Cibest S.A. | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $15.9B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $14.9B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 8.69x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 0.20x | 1.97x |
| EV / EBITDAEnterprise value multiple | 6.19x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 1.37x | 15.29x |
| Price / BookPrice ÷ Book value/share | 1.44x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 5.86x | 28.35x |
CIB leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 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 V's 0.66x. On the Piotroski fundamental quality scale (0–9), CIB scores 8/9 vs V's 5/9, reflecting strong financial health.
| Metric | CIBGrupo Cibest S.A. | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +17.2% | +58.9% |
| ROA (TTM)Return on assets | +1.9% | +22.7% |
| ROICReturn on invested capital | +9.9% | +29.2% |
| ROCEReturn on capital employed | +3.9% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 5 |
| Debt / EquityFinancial leverage | 0.47x | 0.66x |
| Net DebtTotal debt minus cash | -$3.42T | $5.0B |
| Cash & Equiv.Liquid assets | $22.78T | $20.2B |
| Total DebtShort + long-term debt | $19.36T | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 26.72x |
V leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CIB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CIB five years ago would be worth $26,997 today (with dividends reinvested), compared to $14,202 for V. Over the past 12 months, CIB leads with a +65.2% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors CIB at 46.0% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | CIBGrupo Cibest S.A. | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +7.7% | -7.8% |
| 1-Year ReturnPast 12 months | +65.2% | -7.6% |
| 3-Year ReturnCumulative with dividends | +211.4% | +40.2% |
| 5-Year ReturnCumulative with dividends | +170.0% | +42.0% |
| 10-Year ReturnCumulative with dividends | +147.5% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +46.0% | +11.9% |
CIB leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
V leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than CIB's 0.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. V currently trades 84.9% from its 52-week high vs CIB's 77.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CIBGrupo Cibest S.A. | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.69x | 0.68x |
| 52-Week HighHighest price in past year | $86.31 | $375.51 |
| 52-Week LowLowest price in past year | $40.07 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +77.4% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 34.6 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 427K | 7.0M |
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — CIB and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CIB as "Buy" and V as "Buy". Consensus price targets imply 13.7% upside for V (target: $362) vs 0.7% for CIB (target: $67). For income investors, CIB offers the higher dividend yield at 8.82% vs V's 0.74%.
| Metric | CIBGrupo Cibest S.A. | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $67.33 | $362.45 |
| # AnalystsCovering analysts | 15 | 61 |
| Dividend YieldAnnual dividend ÷ price | +8.8% | +0.7% |
| Dividend StreakConsecutive years of raises | 4 | 15 |
| Dividend / ShareAnnual DPS | $21806.88 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +2.2% |
Evenly matched — CIB and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). CIB leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Best OverallVisa Inc. (V)Leads 3 of 6 categories
Loading custom metrics...
CIB vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CIB or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% 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 V?
On trailing P/E, Grupo Cibest S.
A. (CIB) is the cheapest at 8. 7x versus Visa Inc. at 31. 3x. On forward P/E, Grupo Cibest S. A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — CIB or V?
Over the past 5 years, Grupo Cibest S.
A. (CIB) delivered a total return of +170. 0%, compared to +42. 0% for Visa Inc. (V). Over 10 years, the gap is even starker: V returned +328. 6% 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 V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Grupo Cibest S. A. 's 0. 69β — meaning CIB is approximately 2% more volatile than V relative to the S&P 500. On balance sheet safety, Grupo Cibest S. A. (CIB) carries a lower debt/equity ratio of 47% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CIB or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus 0. 0% for Grupo Cibest S. A. (CIB). On earnings-per-share growth, the picture is similar: Grupo Cibest S. A. grew EPS 9. 2% year-over-year, compared to 4. 8% for Visa Inc.. 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 V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 15. 8% for Grupo Cibest S. A. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 20. 8% for CIB. At the gross margin level — before operating expenses — V leads at 80. 4%, 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 V more undervalued right now?
On forward earnings alone, Grupo Cibest S.
A. (CIB) trades at 0. 0x forward P/E versus 24. 4x for Visa Inc. — 24. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 13. 7% to $362. 45.
08Which pays a better dividend — CIB or V?
All stocks in this comparison pay dividends.
Grupo Cibest S. A. (CIB) offers the highest yield at 8. 8%, versus 0. 7% for Visa Inc. (V).
09Is CIB or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Both have compounded well over 10 years (V: +328. 6%, 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 V?
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.
In terms of investment character: CIB is a mid-cap deep-value stock; V is a large-cap quality compounder 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% · V: 11.3%)Net Margin>
%
(CIB: 15.8% · V: 50.1%)P/E Ratio<
x
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