Latest Ratios: P/E Ratio 9.5x · EV/EBITDA 6.1x · ROE 15.8%. (1998–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $19.2B | $15.2B | $7.6B | $7.4B | $6.9B | $1.9B | $2.4B | $3.3B | $2.3B | $2.4B | $2.2B |
| Enterprise Value | $18.2B | $-3406037886170 | $2.80T | $604.8B | $12.40T | $6.93T | $10.99T | $16.31T | $21.14T | $19.42T | $21.71T |
| P/E Ratio → | 9.53 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/S Ratio | 1.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/B Ratio | 1.58 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 6.42 | 0.00 | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 |
| P/OCF | 5.25 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
| 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 | 6.10 | -0.34 | 0.29 | 0.07 | 1.16 | 1.01 | 10.51 | 3.16 | 5.18 | 4.39 | 4.88 |
| EV / EBIT | 6.83 | -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 |
Margins and return-on-capital ratios measuring operating efficiency
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% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 | 1.94 | 1.94 | 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 | -0.34 | -0.34 | 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)
Short-term solvency ratios and asset-utilisation metrics
| 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 | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | 8.0% | 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% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.5% | 44730.2% | 82722.9% | 82674.2% | 98843.7% | 53798.7% | 11426.5% | 94645.0% | 116084.0% | 112153.3% | 132606.3% |
| FCF Yield | 15.6% | 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 | 8.7% | 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 |
Macroeconomic credit quality deterioration
As reported in recent financial statements, CIB trades at a P/B of 1.59, which appears to reflect a persistent discount relative to its historical averages and regional peers, suggesting that investors are pricing in significant idiosyncratic political and macroeconomic risks inherent to the Colombian banking sector.
The current P/B multiple indicates that the market is not assigning a premium to the bank's digital ecosystem, likely due to concerns over the sustainability of its ROE in a high-rate environment. This valuation suggests that the market views CIB as a commodity balance sheet rather than a high-growth fintech franchise, warranting further investigation into whether the current discount is justified by long-term earnings potential.
Based on the provided quarterly data, CIB's ROE has remained constrained between 3.7% and 5.0% over the last ten quarters, indicating that the bank's profitability is currently under pressure from both margin compression and the high cost of maintaining a physical and digital infrastructure footprint.
The DuPont decomposition suggests that the bank's profitability is heavily reliant on leverage, as NIM has remained stubbornly flat at 1.3%. Investors should monitor whether the bank can improve its asset utilization or if the current profitability level represents a structural ceiling in the face of intense competition and regulatory constraints.
According to the bank's historical income statements, the efficiency ratio has fluctuated significantly between 28.9% and 42.2%, suggesting that management is struggling to maintain consistent operating leverage while navigating the transition from traditional branch-based banking to a more digital-centric, high-velocity transaction model.
The inability to keep the efficiency ratio stable implies that the bank's cost base is not scaling effectively with revenue, which may indicate that legacy IT and physical branch costs are becoming a drag on performance. This volatility warrants further investigation into the bank's ability to rationalize its cost structure without sacrificing its competitive moat in the retail deposit market.
As reported in financial statements, the equity-to-assets ratio has hovered between 0.10 and 0.12, indicating that the bank maintains a relatively thin capital cushion that may limit its capacity for aggressive organic growth or unexpected loss absorption in a deteriorating macroeconomic environment.
The bank's preference for high dividend payouts, as evidenced by the significant capital outflows in recent quarters, appears to be at odds with the need to build capital buffers during periods of credit stress. This strategy suggests that management is prioritizing shareholder returns over balance sheet fortification, which may leave the bank vulnerable if credit quality continues to decline.
The market's reliance on P/E as a primary valuation metric for CIB is fundamentally flawed, as it obscures the significant volatility introduced by IFRS 9 provisioning requirements and non-cash FX gains that frequently distort the bank's reported net income on a quarterly basis.
Investors should instead focus on P/TBV and ROE, which provide a more accurate reflection of the bank's underlying capital efficiency and franchise value. Relying on P/E in this context may lead to erroneous conclusions about the bank's earnings power, as it fails to account for the cyclical nature of credit provisions and the bank's structural reliance on its deposit-funded balance sheet.
Includes 30+ ratios · 28 years · Updated daily
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Quick answers to the most common questions about buying CIB stock.
Grupo Cibest S.A.'s current P/E ratio is 9.5x. The historical average is 0.0x. This places it at the 100th percentile of its historical range.
Grupo Cibest S.A.'s current EV/EBITDA is 6.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.1x.
Grupo Cibest S.A.'s return on equity (ROE) is 15.8%. The historical average is 14.1%.
Based on historical data, Grupo Cibest S.A. is trading at a P/E of 9.5x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Grupo Cibest S.A.'s current dividend yield is 8.04% with a payout ratio of 76.7%.
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.
Grupo Cibest S.A.'s Debt/EBITDA ratio is 1.9x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.