Grupo Cibest S.A. (CIB)
Valuation Overview•Is Grupo Cibest S.A. Overvalued or Undervalued?
Trading at a discount across both intrinsic cash flow and relative peer multiples, indicating a strong margin of safety.
Moderate quality score of 70/100, reflecting stable operating margins and manageable leverage.
Analysts remain cautious, with consensus price targets indicating limited room for upside expansion.
Verdict: Solid fundamental quality, though profitability presents a headwind.
Wall Street is cautious, forecasting potential downside with steady expected earnings growth. This outlook is strongly supported by highly attractive capital returns, anchored by a strong, well-covered dividend yield.
CIB demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($3.4T) and minimal debt risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. The company maintains healthy operational efficiency with a 23.0% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $11.7T | +0.0% | — | — | +11.2% | |
| EBITDA | $2.0T | — | -5.9% | — | — | |
| Net Income | $1.6T | +8.1% | -0.0% | — | +10.4% | |
| EPS (Diluted) | $6641.52 | +9.2% | +0.3% | +44.0% | -4.0% | |
| Free Cash Flow | $5.9T | +723.5% | +52.9% | +0.6% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 58.7% | 53.3% | 58.3% | 54.7% |
| Operating Margin | 23.0% | 19.7% | 23.3% | 19.6% |
| Net Margin | 16.8% | 14.6% | 16.7% | 13.9% |
| FCF Margin | 23.2% | 18.9% | 17.1% | 20.1% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.84 | $1.62 | -12.0% | ||
| Q1'26 | $2.04 | $1.77 | -13.2% | ||
| Q4'25 | $1.81 | $2.18 | +20.4% | ||
| Q3'25 | $7010.12 | $1.79 | -100.0% | ||
| Q2'25 | $6654.50 | $1.74 | -100.0% | ||
| Q1'25 | $6627.36 | $1.57 | -100.0% | ||
| Q1'25 | $1.35 | $1.57 | +16.3% | ||
| Q4'24 | $6122.55 | $1.53 | -100.0% |
Total return is +91.3% (1Y), outperforming the benchmark by +66.3%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +30.8% | +21.5% | — |
| 1Y | +91.3% | +66.3% | +2.8% |
| 3YCAGR | +50.2% | +29.8% | +40.4% |
| 5YCAGR | +26.9% | +13.7% | +49.5% |
| 10YCAGR | +11.4% | -2.2% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Grupo Cibest S.A. (CIB) valuation, health, and returns.
Grupo Cibest S.A. is estimated to be undervalued under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. undervalued (implying +49.6% upside to DCF intrinsic value of $121.82)
Grupo Cibest S.A. has multiple valuation anchors: DCF Intrinsic Value: $121.82 | Peer Relative Fair Value: $321654.85 | Wall Street Analyst Target: $70.50 (implying -13.4% upside). A convergence of these signals offers higher conviction.
Grupo Cibest S.A. displays good financial health with a composite quality score of 70/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 9.9%.
Grupo Cibest S.A. pays a 7.8% dividend yield, covered by a 77% payout ratio with 0 years of growth, supplemented by a 0.6% buyback yield.
Grupo Cibest S.A.'s current growth trajectory is Stable. The company achieved +0.0% 1Y revenue growth and +9.2% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 15 analysts, beating EPS expectations in 17% of recent quarters with a -2-quarter streak. The consensus price target represents a -13.4% change from current levels.
Investment risks for Grupo Cibest S.A. include: -25.3% 1-year max drawdown. Volatility risk is characterized by a beta of 0.88x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.