Grupo Cibest S.A. (CIB) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
6.19
↑+880% vs avg
5yr avg: 0.63
30Y Low0.1·High15.7
P/FCF
↑
5.86
↑+484190% vs avg
5yr avg: 0.00
30Y Low0.0·High0.1
P/B Ratio
↑
1.44
↑+751164% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↑
15.8%
↓+2% vs avg
5yr avg: 15.6%
30Y Low-27%·High34%
Debt/EBITDA
↓
2.17
↓-37% vs avg
5yr avg: 3.44
30Y Low1.8·High32.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CIB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Grupo Cibest S.A. trades at 8.7x earnings, 577059% above its 5-year average of 0.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 35%. On a free-cash-flow basis, the stock trades at 5.9x P/FCF, 484190% above the 5-year average of 0.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $15.9B | $15.2B | $7.6B | $7.4B | $6.9B | $1.9B | $2.4B | $3.3B | $2.3B | $2.4B | $2.2B |
| Enterprise Value | $14.9B | $-3406037886170 | $2.80T | $604.8B | $12.40T | $6.93T | $10.99T | $16.31T | $21.14T | $19.42T | $21.71T |
| P/E Ratio → | 8.69 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/S Ratio | 1.37 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/B Ratio | 1.44 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 5.86 | 0.00 | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 |
| P/OCF | 4.78 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/E links to full P/E history page with 30-year chart
CIB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Grupo Cibest S.A.'s enterprise value stands at 6.2x EBITDA, 880% above its 5-year average of 0.6x. The Financial Services sector median is 11.4x, placing the stock at a 46% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.08 | 0.07 | 0.01 | 0.38 | 0.32 | 0.51 | 0.74 | 1.05 | 0.93 | 1.11 |
| EV / EBITDA | 6.19 | -0.38 | 0.29 | 0.07 | 1.16 | 1.01 | 10.51 | 3.16 | 5.18 | 4.39 | 4.88 |
| EV / EBIT | 6.19 | -0.38 | 0.32 | 0.07 | 1.27 | 1.16 | 35.58 | 3.64 | 5.85 | 4.86 | 5.47 |
| EV / FCF | — | -0.34 | — | 0.04 | 4.43 | 1.57 | 1.13 | 1.52 | 735.06 | 10.75 | 8.62 |
CIB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Grupo Cibest S.A. earns an operating margin of 20.8%, roughly in line with the Financial Services sector average. Operating margins have expanded from 18.0% to 20.8% over the past 3 years, signaling improving operational efficiency. ROE of 15.8% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 9.9% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.1% | 61.1% | 52.3% | 46.6% | 62.6% | 68.8% | 38.0% | 56.2% | 52.8% | 53.5% | 55.1% |
| Operating Margin | 20.8% | 20.8% | 20.4% | 18.0% | 29.8% | 27.6% | 1.4% | 20.4% | 17.9% | 19.2% | 20.3% |
| Net Profit Margin | 15.8% | 15.8% | 14.6% | 13.5% | 20.8% | 18.8% | 1.3% | 14.2% | 13.2% | 12.6% | 14.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.8% | 15.8% | 15.0% | 15.5% | 18.4% | 13.2% | 1.0% | 11.2% | 10.4% | 11.1% | 13.4% |
| ROA | 1.8% | 1.8% | 1.8% | 1.8% | 2.1% | 1.5% | 0.1% | 1.4% | 1.3% | 1.3% | 1.5% |
| ROIC | 9.9% | 9.9% | 9.0% | 8.0% | 10.0% | 7.0% | 0.4% | 5.1% | 4.3% | 4.9% | 4.8% |
| ROCE | 3.9% | 3.9% | 10.4% | 8.8% | 11.2% | 8.3% | 0.4% | 6.1% | 5.2% | 6.0% | 5.8% |
CIB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Grupo Cibest S.A. carries a Debt/EBITDA ratio of 2.2x, which is manageable (47% below the sector average of 4.1x). The company holds a net cash position — cash of $22.8T exceeds total debt of $19.4T, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.47 | 0.47 | 0.67 | 0.83 | 1.03 | 0.93 | 1.22 | 1.29 | 1.46 | 1.50 | 1.76 |
| Debt / EBITDA | 2.17 | 2.17 | 3.06 | 3.53 | 3.85 | 4.60 | 32.88 | 7.18 | 9.54 | 8.29 | 8.88 |
| Net Debt / Equity | — | -0.08 | 0.06 | 0.02 | 0.31 | 0.20 | 0.39 | 0.57 | 0.79 | 0.80 | 0.97 |
| Net Debt / EBITDA | -0.38 | -0.38 | 0.29 | 0.06 | 1.16 | 1.01 | 10.51 | 3.16 | 5.18 | 4.39 | 4.88 |
| Debt / FCF | — | -0.34 | — | 0.04 | 4.43 | 1.57 | 1.13 | 1.52 | 734.98 | 10.75 | 8.62 |
| Interest Coverage | 0.72 | 0.72 | 0.58 | 0.49 | 1.15 | 1.38 | 0.05 | 0.72 | 0.64 | 0.64 | 0.66 |
Net cash position: cash ($22.78T) exceeds total debt ($19.36T)
CIB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Grupo Cibest S.A.'s current ratio of 33.73x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.26x to 33.73x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 33.73 | 33.73 | 0.21 | 0.26 | 0.24 | 0.24 | 0.26 | 0.30 | 0.29 | 0.30 | 0.32 |
| Quick Ratio | 33.73 | 33.73 | 0.21 | 0.26 | 0.24 | 0.24 | 0.26 | 0.30 | 0.29 | 0.30 | 0.32 |
| Cash Ratio | 33.73 | 33.73 | 0.09 | 0.13 | 0.11 | 0.11 | 0.12 | 0.13 | 0.12 | 0.13 | 0.14 |
| Asset Turnover | — | 0.11 | 0.12 | 0.13 | 0.09 | 0.07 | 0.08 | 0.09 | 0.09 | 0.10 | 0.10 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CIB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Grupo Cibest S.A. returns 9.6% to shareholders annually — split between a 8.8% dividend yield and 0.7% buyback yield. The payout ratio of 76.7% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 11.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 8.8% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Payout Ratio | 76.7% | 76.7% | 54.2% | 53.9% | 34.1% | 11.4% | 563.7% | 33.1% | 27.7% | 43.1% | 29.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.5% | 44730.2% | 82722.9% | 82674.2% | 98843.7% | 53798.7% | 11426.5% | 94645.0% | 116084.0% | 112153.3% | 132606.3% |
| FCF Yield | 17.1% | 66066.9% | — | 226264.2% | 40809.1% | 232592.6% | 401601.0% | 326691.7% | 1255.9% | 75816.8% | 114236.1% |
| Buyback Yield | 0.7% | 100.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 9.6% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Shares Outstanding | — | $238M | $240M | $240M | $240M | $60M | $60M | $60M | $60M | $60M | $60M |
Peer Comparison
Compare CIB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CIBYou | $16B | 8.7 | 6.2 | 5.9 | 61.1% | 20.8% | 15.8% | 9.9% | 2.2 |
 GFI | $41B | 33.5 | 16.0 | 58.3 | 42.5% | 40.2% | 24.9% | 24.0% | 1.1 |
 BBAR | $3B | 12.6 | 3.8 | — | 65.9% | 8.5% | 12.7% | 10.7% | 0.7 |
 BMA | $5B | 21.1 | 8.9 | 8.5 | 68.3% | 5.6% | 7.7% | 5.5% | 0.9 |
 GGAL | $6B | 5.1 | 2.7 | — | 62.7% | 20.8% | 40.2% | 31.0% | 0.9 |
 SU | $77B | 18.0 | 5.2 | 15.0 | 59.1% | 31.7% | 13.2% | 20.1% | 0.8 |
 BAP | $26B | 16.5 | 9.4 | 6.7 | 64.2% | 29.0% | 16.2% | 8.2% | 4.4 |
 ITUB | $93B | 10.6 | 20.9 | 3.6 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
 BBD | $41B | 8.7 | — | — | 34.6% | -1.1% | 13.3% | -0.3% | — |
 BSAC | $15B | 0.0 | 17.4 | 21.5 | 48.8% | 26.7% | 18.4% | 4.5% | 11.5 |
 SUPV | $765M | -18.7 | — | — | 39.5% | -4.8% | -6.3% | -5.7% | — |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Full CIB Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
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Start ComparisonCIB — Frequently Asked Questions
Quick answers to the most common questions about buying CIB stock.
What is Grupo Cibest S.A.'s P/E ratio?
Grupo Cibest S.A.'s current P/E ratio is 8.7x. The historical average is 0.0x. This places it at the 100th percentile of its historical range.
What is Grupo Cibest S.A.'s EV/EBITDA?
Grupo Cibest S.A.'s current EV/EBITDA is 6.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.1x.
What is Grupo Cibest S.A.'s ROE?
Grupo Cibest S.A.'s return on equity (ROE) is 15.8%. The historical average is 14.1%.
Is CIB stock overvalued?
Based on historical data, Grupo Cibest S.A. is trading at a P/E of 8.7x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Grupo Cibest S.A.'s dividend yield?
Grupo Cibest S.A.'s current dividend yield is 8.82% with a payout ratio of 76.7%.
What are Grupo Cibest S.A.'s profit margins?
Grupo Cibest S.A. has 61.1% gross margin and 20.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Grupo Cibest S.A. have?
Grupo Cibest S.A.'s Debt/EBITDA ratio is 2.2x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.