GRUPO CIBEST SA-ADR (CIB) Stock Fundamental Analysis
USA - NYSE:CIB - US05968L1026 - ADR
63.83 USD
+0.26 (+0.41%)
64 USD
+0.17 (+0.27%)
We assign a fundamental rating of 3 out of 10 to CIB. CIB was compared to 388 industry peers in the Banks industry. CIB has a bad profitability rating. Also its financial health evaluation is rather negative. CIB is quite expensive at the moment. It does show a decent growth rate. Finally CIB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past 5 years CIB has always been profitable.
CIB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CIB (0.93%) is comparable to the rest of the industry.
CIB has a Return On Equity (8.35%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 8.35% | ||
| ROIC | N/A |
ROA(3y)1.54%
ROA(5y)1.22%
ROE(3y)13.7%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CIB (10.59%) is worse than 82.47% of its industry peers.
CIB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CIB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.47%
PM growth 5Y-9.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, CIB has about the same amount of shares outstanding.
The number of shares outstanding for CIB remains at a similar level compared to 5 years ago.
CIB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CIB is 2.60, which is a good value as it means it would take CIB, 2.60 years of fcf income to pay off all of its debts.
CIB has a Debt to FCF ratio of 2.60. This is comparable to the rest of the industry: CIB outperforms 43.04% of its industry peers.
CIB has a Debt/Equity ratio of 0.53. This is a neutral value indicating CIB is somewhat dependend on debt financing.
CIB's Debt to Equity ratio of 0.53 is on the low side compared to the rest of the industry. CIB is outperformed by 77.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CIB have decreased strongly by -91.16% in the last year.
CIB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.69% yearly.
The Revenue has decreased by -1.95% in the past year.
The Revenue has been growing by 8.17% on average over the past years. This is quite good.
EPS 1Y (TTM)-91.16%
EPS 3Y-52.84%
EPS 5Y-35.69%
EPS Q2Q%24.42%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%26.27%
3.2 Future
Based on estimates for the next years, CIB will show a very strong growth in Earnings Per Share. The EPS will grow by 86.65% on average per year.
The Revenue is expected to grow by 14.37% on average over the next years. This is quite good.
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y86.65%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y14.37%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as CIB's earnings are expected to grow with 178.26% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y396.69%
EPS Next 3Y178.26%
5. Dividend
5.1 Amount
CIB has a Yearly Dividend Yield of 7.82%, which is a nice return.
Compared to an average industry Dividend Yield of 3.38, CIB pays a better dividend. On top of this CIB pays more dividend than 97.42% of the companies listed in the same industry.
CIB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.82% |
5.2 History
On average, the dividend of CIB grows each year by 26.91%, which is quite nice.
CIB has paid a dividend for at least 10 years, which is a reliable track record.
CIB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)26.91%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
100.22% of the earnings are spent on dividend by CIB. This is not a sustainable payout ratio.
The dividend of CIB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP100.22%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
63.83
+0.26 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.97%
Inst Owner Change0.45%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.35B
Revenue(TTM)17.42T
Net Income(TTM)3.39T
Analysts71.11
Price TargetN/A
Short Float %2.5%
Short Ratio4.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.82% |
Yearly DividendN/A
Dividend Growth(5Y)26.91%
DP100.22%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.2%
Min EPS beat(2)3.63%
Max EPS beat(2)8.78%
EPS beat(4)4
Avg EPS beat(4)21.79%
Min EPS beat(4)2.88%
Max EPS beat(4)71.86%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-7.3%
Min Revenue beat(2)-32.41%
Max Revenue beat(2)17.81%
Revenue beat(4)1
Avg Revenue beat(4)-12.41%
Min Revenue beat(4)-32.41%
Max Revenue beat(4)17.81%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | N/A | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 8.35% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.59% | ||
| GM | N/A | ||
| FCFM | 31.81% |
ROA(3y)1.54%
ROA(5y)1.22%
ROE(3y)13.7%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.47%
PM growth 5Y-9.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.6 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 206.5% | ||
| Cap/Sales | 6.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 300.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)265.8%
Cap/Depr(5y)252.16%
Cap/Sales(3y)8.98%
Cap/Sales(5y)9.4%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-91.16%
EPS 3Y-52.84%
EPS 5Y-35.69%
EPS Q2Q%24.42%
EPS Next Y901.62%
EPS Next 2Y396.69%
EPS Next 3Y178.26%
EPS Next 5Y86.65%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y2.98%
Revenue growth 5Y8.17%
Sales Q2Q%26.27%
Revenue Next Year7.82%
Revenue Next 2Y27.97%
Revenue Next 3Y24.62%
Revenue Next 5Y14.37%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-59.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y455.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y114.39%
OCF growth 3Y-58.49%
OCF growth 5Y-48.74%
GRUPO CIBEST SA-ADR / CIB FAQ
What is the ChartMill fundamental rating of GRUPO CIBEST SA-ADR (CIB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CIB.
Can you provide the valuation status for GRUPO CIBEST SA-ADR?
ChartMill assigns a valuation rating of 1 / 10 to GRUPO CIBEST SA-ADR (CIB). This can be considered as Overvalued.
How profitable is GRUPO CIBEST SA-ADR (CIB) stock?
GRUPO CIBEST SA-ADR (CIB) has a profitability rating of 2 / 10.
How financially healthy is GRUPO CIBEST SA-ADR?
The financial health rating of GRUPO CIBEST SA-ADR (CIB) is 2 / 10.
Can you provide the expected EPS growth for CIB stock?
The Earnings per Share (EPS) of GRUPO CIBEST SA-ADR (CIB) is expected to grow by 901.62% in the next year.