CIBNYSECommercial Banks, NECFiscal year ends December 31
Grupo Cibest S.A.
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 8, 2026
$95.60−2.31 (-2.36%)
Close on Oct 19, 2026
Margins
Share of revenue, fiscal years 2014 to 2025
Net margin
–
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Net income | -39.0% | -17.4% | +69.1% | +4.3% | |
| EPS, diluted | -38.5% | -17.2% | +63.4% | +4.2% | |
| Free cash flow | – | +52.9% | +0.6% | +27.3% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 1.0% | 9.2% | |
| Return on assets | – | 0.1% | 1.0% | |
| Capex to revenue | – | 33.3% | – | |
| Diluted shares | 510M | 510M | 509M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Grupo Cibest generated 44.79T COP from operations and spent 27.09T COP on capital expenditure, dividends and share buybacks. 46% of that went back into the business.
Generated
44.79T COP
Used
27.09T COP
Capital expenditure12.42T COP46%Dividends14.67T COP54%Share buybacks0 COP0%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin6.0%
×Asset turnover0.02×
×Equity multiplier9.20×
=Return on equity, FY20201.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2020 | 6.0% | 0.02× | 9.20× | 1.0% |
| FY2019 | 68.1% | 0.02× | 8.82× | 12.1% |
| FY2018 | 66.6% | 0.02× | 8.84× | 11.1% |
| FY2017 | 2886.6% | 0.00× | 9.02× | 11.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 5 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero3.82T COP
- Cash generatingOperating cash flow above zero12.26T COP
- Return on assets improvedROA up on the prior year1.8% → 1.0%
- Earnings backed by cashOperating cash flow above net income12.26T COP vs 3.82T COP
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise510M → 509M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –