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Grupo Cibest SA

NYSE:CIBFinancial Services

$95.60−2.36%At closeAt close · Tue 20 Oct · ≈ AED 351.09 · Market cap $24.94B · Next earnings Thu 5 Nov

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	38.0%	68.8%	62.6%	46.6%	52.3%	61.1%	—	—
Operating margin	1.4%	27.6%	29.8%	18.0%	20.4%	20.8%	20.8%	+0.0 pts
Net margin	1.3%	18.8%	20.8%	13.5%	14.6%	15.8%	15.8%	+0.0 pts
EBITDA margin	4.8%	31.5%	32.7%	20.4%	22.8%	23.3%	—	—
Return on equity	1.0%	12.7%	17.4%	16.1%	14.4%	17.1%	16.5%	−0.5 pts
Return on assets	0.1%	1.4%	1.9%	1.8%	1.7%	1.8%	1.8%	+0.0 pts
Return on capital employed	0.5%	7.9%	9.9%	9.3%	10.8%	2.4%	—	—
Debt / equity	1.3×	1.0×	1.1×	0.9×	0.7×	0.5×	0.5×	−3.0%
Debt / assets	13.4%	10.9%	11.7%	9.5%	8.0%	5.1%	—	—
Interest coverage	0.1×	1.4×	1.2×	0.5×	0.6×	0.7×	—	—
Current ratio	0.3×	0.2×	0.2×	0.3×	0.2×	33.7×	33.7×	+0.0%
Quick ratio	0.3×	0.2×	0.2×	0.3×	0.2×	33.7×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	33.7×	33.7×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	0.9×	0.9×	1.1×	1.6×	1.5×	—	—	—
Dividend payout	563.7%	11.4%	34.1%	53.9%	54.2%	76.7%	—	—