Grupo Cibest S.A. (CIB) Key Metrics
CIB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · COPCIB returns How much profit the business earns on the capital it uses.
CIB financial health Debt, liquidity and how easily interest is covered.
CIB efficiency & capital use Working capital cycle and where the cash goes.
CIB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CIB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CIB cash returned to shareholders
CIB key metrics in COP
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 16.3% | 15.2% | 15.5% | 18.4% | 13.2% | 1.0% | 11.6% | 11.1% | 11.8% | 14.1% |
| Return on invested capital (ROIC) | 15.7% | 8.8% | 7.9% | 14.0% | 10.1% | 0.7% | 7.0% | 6.3% | 6.4% | 6.4% |
| Return on assets (ROA) | 1.8% | 1.8% | 1.8% | 2.1% | 1.5% | 0.1% | 1.4% | 1.3% | 1.3% | 1.5% |
| Return on tangible assets | 1.8% | 1.7% | 1.8% | 2.0% | 1.5% | 0.1% | 1.4% | 1.2% | 1.3% | 1.5% |
| Free cash flow margin | 23.3% | −3.7% | 37.1% | 9.3% | 18.0% | 44.9% | 49.1% | 0.1% | 8.7% | 12.9% |
| Income quality (OCF / net income) | 1.81 | 0.07 | 3.13 | 0.97 | 1.49 | 40.69 | 3.95 | 0.39 | 1.12 | 1.26 |
| Financial health | ||||||||||
| Total debt | COP 19.36T | COP 29.91T | COP 33.75T | COP 41.17T | COP 32.82T | COP 32.15T | COP 35.71T | COP 38.94T | COP 36.71T | COP 39.53T |
| Cash & short-term investments | COP 22.78T | COP 30.06T | −COP 27.97T | COP 24.72T | COP 23.15T | COP 20.19T | COP 18.26T | COP 17.80T | COP 17.28T | COP 17.82T |
| Net debt | −COP 3.42T | −COP 144.39B | COP 61.72T | COP 16.45T | COP 9.67T | COP 11.96T | COP 17.46T | COP 21.14T | COP 19.42T | COP 21.71T |
| Debt / equity | 0.49 | 0.69 | 0.86 | 1.03 | 0.97 | 1.14 | 1.24 | 1.57 | 1.59 | 1.86 |
| Debt / assets | 0.05 | 0.08 | 0.10 | 0.12 | 0.11 | 0.13 | 0.15 | 0.18 | 0.18 | 0.20 |
| Net debt / EBITDA | −0.34 | −0.01 | 6.69 | 1.54 | 1.41 | 11.45 | 3.39 | 5.18 | 4.39 | 4.88 |
| Current ratio | 33.73 | 0.21 | 67.45 | 4.28 | 6.23 | 6.79 | 5.47 | 0.29 | 0.30 | 0.32 |
| Quick ratio | 33.73 | 0.21 | 68.20 | 4.18 | 13.63 | 14.98 | 13.19 | 0.28 | 0.44 | 0.49 |
| Interest coverage | 0.7 | 0.6 | 0.5 | 1.2 | 1.4 | 0.1 | 0.7 | 0.6 | 0.6 | 0.7 |
| Working capital | COP 22.11T | −COP 229.80T | COP 42.17T | COP 19.77T | COP 20.81T | COP 18.24T | COP 15.57T | −COP 104.42T | −COP 96.73T | −COP 87.51T |
| Invested capital | COP 36.29T | COP 43.40T | COP 100.77T | COP 56.45T | COP 43.60T | COP 40.08T | COP 46.26T | COP 45.99T | COP 42.54T | COP 42.98T |
| Tangible asset value | COP 36.47T | COP 34.82T | COP 30.56T | COP 29.56T | COP 25.30T | COP 20.61T | COP 21.57T | COP 19.45T | COP 17.80T | COP 15.78T |
| Net current asset value | −COP 315.61T | −COP 266.19T | −COP 261.07T | −COP 287.03T | −COP 231.14T | −COP 206.06T | −COP 188.22T | −COP 150.37T | −COP 138.43T | −COP 132.80T |
| Capital allocation | ||||||||||
| Dividends paid | COP 5.20T | COP 3.40T | COP 3.30T | COP 2.31T | COP 467.22B | COP 1.56T | COP 1.03T | COP 735.80B | COP 1.13T | COP 840.24B |
| Share buybacks (net) | COP 431.42B | COP 0 | COP 0 | — | — | — | COP 0 | COP 0 | COP 0 | COP 0 |
| Dividend payout ratio | 76.7% | 54.2% | 53.9% | 34.1% | 11.4% | 563.7% | 33.1% | 27.7% | 43.1% | 29.3% |
| Dividends + buybacks / free cash flow | 56.2% | — | 19.7% | 76.4% | 12.0% | 16.0% | 9.6% | — | 62.3% | 33.4% |
| Capex / revenue | 5.2% | 4.8% | 5.3% | 10.8% | 10.1% | 7.1% | 7.1% | 5.0% | 5.4% | 5.5% |
| Capex / operating cash flow | 18.3% | 468.5% | 12.6% | 53.9% | 35.9% | 13.6% | 12.6% | 97.2% | 38.5% | 30.1% |
| Capex / depreciation | 2.13 | 2.02 | 2.23 | 3.73 | 2.56 | 2.08 | 2.30 | 2.17 | 2.61 | 2.24 |
| Stock-based compensation / revenue | — | — | 48.2% | — | 52.7% | 67.7% | 62.3% | 67.4% | 58.9% | 56.1% |
| SG&A / revenue | 13.4% | 23.4% | 21.0% | 25.1% | 31.9% | 29.3% | 30.1% | 30.6% | 28.3% | 28.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 123.7 | 242.0 | 119.2 | 15.1 | 24.0 | 17.0 | 207.0 | 425.9 | 396.5 | 406.3 |
| Days of inventory on hand | — | — | 1.0 | -430.4 | -1,489.9 | -718.7 | -473.6 | -333.5 | -775.3 | -412.1 |
| Days payables outstanding | 41.4 | 74.0 | 94.4 | 149.2 | 192.2 | 90.4 | 92.7 | 50.7 | 47.9 | 45.3 |
| Cash conversion cycle (days) | 82.4 | 168.0 | 25.9 | -564.4 | -1,658.1 | -792.2 | -359.2 | 41.7 | -426.7 | -51.0 |
| Receivables turnover | 2.95 | 1.51 | 3.06 | 24.13 | 15.23 | 21.51 | 1.76 | 0.86 | 0.92 | 0.90 |
| Payables turnover | 8.82 | 4.93 | 3.87 | 2.45 | 1.90 | 4.04 | 3.94 | 7.20 | 7.62 | 8.06 |
| Asset turnover | 0.11 | 0.12 | 0.13 | 0.10 | 0.08 | 0.09 | 0.10 | 0.10 | 0.10 | 0.10 |
| Average receivables | COP 14.55T | COP 28.45T | COP 14.76T | COP 1.35T | COP 1.42T | COP 1.00T | COP 12.42T | COP 23.52T | COP 22.63T | COP 21.79T |
| Average payables | COP 1.89T | COP 4.15T | COP 6.24T | COP 5.00T | COP 3.57T | COP 3.32T | COP 2.44T | COP 1.32T | COP 1.27T | COP 1.09T |
| Average inventory | — | — | COP 67.20B | −COP 14.43T | −COP 27.64T | −COP 26.36T | −COP 12.44T | −COP 8.69T | −COP 20.59T | −COP 9.92T |
| Intangibles / total assets | 1.2% | 2.6% | 2.5% | 3.0% | 3.0% | 2.9% | 3.1% | 3.3% | 3.3% | 3.4% |
Computed from CIB's annual financial statements (latest annual report filed December 31, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in COP; data from EODHD. Averages use the opening and closing balance of each year.
CIB valuation and financial ratios
Grupo Cibest earned a return on equity of 16.3% and a return on invested capital of 15.7% in fiscal 2025. It ended the year with COP 19.36 trillion of debt and COP 22.78 trillion in cash and short-term investments, a net cash position of COP 3.42 trillion. It returned COP 5.63 trillion to shareholders: COP 5.20 trillion in dividends and COP 431.4 billion in share buybacks, 56% of free cash flow.
See the CIB income statement, the CIB chart for price history, or the CIB stock overview for the latest quote and news.
CIB key metrics FAQ
What is Grupo Cibest's return on equity?
Grupo Cibest's return on equity (ROE) was 16.3% in fiscal 2025: net income of COP 6.78 trillion on average shareholders' equity of COP 41.63 trillion.
What is Grupo Cibest's ROIC?
Grupo Cibest's return on invested capital was 15.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Grupo Cibest have?
Grupo Cibest had total debt of COP 19.36 trillion at the end of fiscal 2025, a debt-to-equity ratio of 0.49 and more cash than debt.
Does Grupo Cibest buy back its shares?
Yes. Grupo Cibest spent COP 431.4 billion on net share repurchases in fiscal 2025.
What is Grupo Cibest's current ratio?
Grupo Cibest's current ratio was 33.73 at the end of fiscal 2025: current assets were 33.73 times current liabilities.