Grupo Cibest S.A.

Grupo Cibest S.A.

77,100.00
COP
-1,260.00
(-1.61%)
Nov 05Next Earn
Grupo Cibest S.A.
BVC:PFCIBEST
(Colombia Securities Exchange)

Recent

price

77,100.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
COP
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Revenue per Share
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- -
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- -
- -
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Basic EPS, GAAP
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- -
- -
- -
- -
- -
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Free Cash Flow per Basic Share
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Dividend per Share
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Book Value per Share
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Tangible Book Value per Share
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- -
- -
- -
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- -
- -
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- -
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Basic Weighted Avg Shares
5,417,404
6,162,762
7,259,856
7,621,146
9,092,494
10,809,023
13,612,145
14,600,183
14,585,270
15,815,322
15,698,170
17,359,980
24,249,105
26,633,441
26,228,770
27,567,992
29,200,396
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
343,095
394,689
540,682
771,967
435,214
481,558
482,902
433,033
467,777
677,253
736,367
855,167
949,448
1,082,838
1,011,455
1,055,991
1,026,572
Depreciation Expense
1,436,494
1,663,894
1,702,046
1,515,127
2,387,086
2,518,890
2,865,328
2,615,000
2,658,864
3,117,351
275,994
4,086,795
6,783,490
6,116,936
6,267,744
3,820,634
4,479,122
Net Income, GAAP
26.14
22.04
21.53
21.59
23.76
20.07
29.66
31.02
22.94
28.21
- -
29.68
28.2
24.2
28.03
28.8
29.17
Effective Tax Rate (%)
26.52
27
23.44
19.88
26.25
23.3
21.05
17.91
18.23
19.71
1.76
23.54
27.97
22.97
23.9
13.86
15.34
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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- -
Working Capital
12,927,809
17,767,909
17,330,727
25,152,452
28,379,687
39,157,049
37,610,652
33,470,866
36,625,197
35,712,443
32,147,077
31,464,499
41,168,894
27,484,615
28,832,313
18,064,900
17,134,851
LT Debt
8,017,752
8,993,360
11,606,955
12,643,807
17,366,480
20,407,919
22,476,980
24,429,550
26,655,225
28,805,619
28,115,213
33,925,458
39,997,551
39,049,729
44,584,275
40,995,634
39,396,429
Total Equity
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- -
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- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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- -
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Return on Invested Capital (%)
7.63
6.98
6.11
4.54
5.61
4.61
4.64
4.2
4.18
4.73
- -
6.31
8.97
7.9
8.54
5.58
7.1
Return on Capital (%)
19.57
20.09
16.86
12.94
16.67
14.03
14.13
11.78
11.09
12.05
1.03
7.47
10.17
11.86
11.58
4.43
6.37
Return on Common Equity (%)

Capital Structure

COP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
26,260
- -
- -
LT Borrowings
16,766,121
16,672,303
15,762,115
LT Finance Leases
1,298,779
1,374,906
1,372,736
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
- -
- -
- -

Working Capital

COP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
27,900,812
30,327,385
33,982,964
Accounts Receivable, Net
643,348
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7,115,373
11,879,584
11,210,649
ST Debt
26,260
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

COP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.59%
8.46%
-8.05%
Free Cash Flow
3,692.57%
-85.28%
-723.5%
Net Income, GAAP
133.31%
280.07%
-39.04%
Sales/Revenue/Turnover
10.45%
12.74%
5.11%
Total Cash Common Dividend
-36.28%
-92.03%
73.43%

Quarterly Revenue

COP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,828,111
7,005,435
6,990,660
7,438,061
26,228,770
2025
6,663,973
6,865,618
7,361,857
6,079,264
27,567,992
2026
7,392,413
8,366,862
- -
- -
- -

Quarterly Earnings Per Share

COP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
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- -
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2026
- -
- -
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Quarterly Dividends Per Share

COP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
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- -
- -
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2026
- -
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Business
Grupo Cibest S.A. operates as a financial services holding company that provides a broad suite of banking, financing, asset management, and related financial services through its network of regional subsidiaries and affiliated entities in Colombia and internationally. The group consolidates operations under a holding structure intended to optimize capital allocation, platform interoperability, and strategic flexibility, while maintaining regulated and non-regulated subsidiaries across banking, investment, and financing activities. Founded in 2020 and headquartered in Colombia, Grupo Cibest conducts its activities through a diversified portfolio that includes traditional deposit-taking and loan businesses, trade finance, corporate lending, project and acquisition finance, factorización, and leasing; capital markets services such as underwriting, asset management, mutual and pension funds, private equity, and structured finance; cash management, payment services, and bancassurance; and technology-enabled trading and custody platforms. The company also operates in international jurisdictions via offshore and regional banking subsidiaries, enabling cross-border lending, interbank activities, and wealth management offerings. Core brands and product lines encompass savings and investment products (checking and savings accounts, time deposits, money market instruments, fixed-term deposits); consumer and commercial lending (personal, vehicle, payroll, working capital, mortgage), credit cards, and overdrafts; factoring and leasing (financial and operating leases); project and acquisition finance; debt and equity capital markets; syndicated loans and corporate finance advisory; mutual and pension funds, private equity funds, investment funds, and real estate funds; custody, trust services, and custody-related financing; eTrading and online brokerage; payment processing and cash management; and bancassurance and risk management services. Core geographic focus includes Colombia with expansion into Central America and other Latin American markets, supported by a regional network of owned and affiliated banking and financial services platforms. Subsidiaries and parent-subsidiary relationships provide a multi-layered structure for specialized services, including regional banks, financial conglomerates, and offshore vehicles, to deliver a comprehensive suite of financial products to corporate, institutional, and retail clients. Recent strategic changes include the establishment of a formal holding company to centralize governance and capital management, enabling strategic flexibility for potential share repurchases and reallocation of capital across business lines; ongoing organizational refinement to align with regulatory requirements and market opportunities; and continued expansion of cross-border financing and capital markets activities, while preserving the client base and operational footprint. Grupo Cibest positions itself as a comprehensive financial services platform, emphasizing capital efficiency, diversified revenue streams, and scalable wealth and asset management capabilities to serve large corporates, financial institutions, high-net-worth individuals, and regional retail clients. The latest updates reflect a shift toward a holding-group architecture to optimize value distribution, while maintaining existing income sources, debt structure, and asset base, with minimal disruption to clients, staff, and suppliers.

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