Grupo Cibest S.A.
Grupo Cibest S.A. Fundamental Analysis
Grupo Cibest S.A. (CIB) shows moderate financial fundamentals with a PE ratio of 9.64, profit margin of 17.27%, and ROE of 17.48%. The company generates $46056.2B in annual revenue with moderate year-over-year growth of 6.25%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 66.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CIB's fundamental strength across five key dimensions:
Efficiency Score
WeakCIB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCIB trades at attractive valuation levels.
Growth Score
ModerateCIB shows steady but slowing expansion.
Financial Health Score
ModerateCIB shows balanced financial health with some risks.
Profitability Score
ExcellentCIB achieves industry-leading margins.
Key Financial Metrics
Is CIB Expensive or Cheap?
P/E Ratio
CIB trades at 9.64 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CIB's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Grupo Cibest S.A. at 1.67 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.74 times EBITDA. This is generally considered low.
How Well Does CIB Make Money?
Net Profit Margin
For every $100 in sales, Grupo Cibest S.A. keeps $17.27 as profit after all expenses.
Operating Margin
Core operations generate 24.46 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.48 in profit for every $100 of shareholder equity.
ROA
Grupo Cibest S.A. generates $1.96 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Grupo Cibest S.A. generates strong operating cash flow of $17.87T, reflecting robust business health.
Free Cash Flow
Grupo Cibest S.A. generates strong free cash flow of $15.49T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $59426.97 in free cash annually.
FCF Yield
CIB converts 18.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.64
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.67
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.80
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.66
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.21
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.12
vs 25 benchmark
How CIB Stacks Against Its Sector Peers
| Metric | CIB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.64 | 18.86 | Better (Cheaper) |
| ROE | 17.48% | 847.00% | Weak |
| Net Margin | 17.27% | 4202.00% | Weak |
| Debt/Equity | 0.66 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.21 | 667.17 | Weak Liquidity |
| ROA | 1.96% | -21543.00% (disorted) | Weak |
CIB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Grupo Cibest S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-64.95%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-49.73%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-136.32%
Industry Style: Value, Dividend, Cyclical
Declining