CIB revenueFY2025COP 22.24T
- FY YoY
- +4.6%
CIB revenue was COP 22.24T for fiscal 2025 (ended Dec 31, 2025), up 4.6% from fiscal 2024.
Grupo Cibest S.A. (CIB) financials
For fiscal 2025 (ended Dec 31, 2025), Grupo Cibest S.A. reported COP 22.24T of revenue and COP 3.82T of net income. Figures are in COP, the currency of its SEC filings.
- Revenue, FY2025
- COP 22.24T
- Revenue growth, YoY
- +4.6%
- Net income, FY2025
- COP 3.82T
- Net income growth, YoY
- -39.0%
- Net margin
- 17.2%
- Free cash flow, FY2025
- COP 10.01T
- EPS, diluted, FY2025
- COP 4045.00
- EPS growth, YoY
- -38.5%
- Cash
- COP 29.92T
- Total debt
- COP 9.36T
FY2023FY2025
FY2023FY2025
FY2023FY2025
CIB revenue and earnings growth
CIB net incomeFY2025COP 3.82T
- FY YoY
- -39.0%
CIB net income was COP 3.82T for fiscal 2025 (ended Dec 31, 2025), down 39.0% from fiscal 2024.
CIB EPSFY2025COP 4045.00
- FY YoY
- -38.5%
CIB diluted EPS was COP 4045.00 for fiscal 2025 (ended Dec 31, 2025), down 38.5% from fiscal 2024.
CIB free cash flowFY2025COP 10.01T
CIB free cash flow was COP 10.01T for fiscal 2025 (ended Dec 31, 2025), compared with -COP 1.61T in fiscal 2024.
Income statement
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 |
|---|---|---|---|
| Revenue | COP 22.24T | COP 21.27T | COP 21.85T |
| Selling, general and admin | COP 5.60T | COP 5.04T | COP 4.61T |
| Interest expense | COP 12.06T | COP 13.69T | COP 15.43T |
| Pre-tax income | COP 9.76T | COP 8.49T | COP 7.52T |
| Income tax | COP 2.81T | COP 2.38T | COP 1.82T |
| Net income | COP 3.82T | COP 6.27T | COP 6.12T |
| EPS, basic | COP 4045.00 | COP 6576.00 | COP 6420.00 |
| EPS, diluted | COP 4045.00 | COP 6576.00 | COP 6420.00 |
| Diluted shares | 509.5M | 509.7M | 509.7M |
Balance sheet
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 |
|---|---|---|---|
| Cash and equivalents | COP 29.92T | COP 32.84T | - |
| Goodwill | COP 1.95T | COP 9.02T | COP 7.82T |
| Total assets | COP 379.75T | COP 372.22T | - |
| Total debt | COP 9.36T | COP 15.69T | - |
| Total liabilities | COP 338.76T | COP 327.63T | - |
| Shareholders' equity | COP 39.75T | COP 43.54T | COP 39.05T |
Cash flow
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 |
|---|---|---|---|
| Operating cash flow | COP 12.26T | COP 435.89B | COP 19.15T |
| Capital expenditures | COP 2.24T | COP 2.04T | COP 2.41T |
| Free cash flow | COP 10.01T | -COP 1.61T | COP 16.74T |
| Investing cash flow | -COP 2.22T | -COP 559.20B | -COP 159.69B |
| Financing cash flow | -COP 8.25T | -COP 9.24T | -COP 5.43T |
| Dividends paid | COP 5.20T | COP 3.40T | COP 3.30T |
| Depreciation and amortization | COP 1.06T | COP 1.01T | COP 1.08T |
Key ratios
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 |
|---|---|---|---|
| Revenue growth, YoY | 4.6% | -2.6% | - |
| Net income growth, YoY | -39.0% | 2.5% | - |
| EPS growth, YoY | -38.5% | 2.4% | - |
| Net margin | 17.2% | 29.5% | 28.0% |
| Free cash flow margin | 45.0% | -7.6% | 76.6% |
| Return on equity | 9.6% | 14.4% | 15.7% |
| Return on assets | 1.0% | 1.7% | - |
| Debt to equity | 0.24 | 0.36 | - |
Source: XBRL data Grupo Cibest S.A. files with the SEC, latest filing dated Apr 8, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.
CIB peers
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| CIB | COP 22.24T | +4.6% | COP 3.82T | 17.2% | $22.01B |
| RY | C$66.61B | +16.1% | C$20.36B | 30.6% | $278.49B |
| MUFG | ¥11.87T | +9.5% | ¥1.73T | 14.6% | $248.87B |
| TD | C$67.78B | +18.4% | C$20.54B | 30.3% | $199.90B |
| SAN | €55.32B | -1.5% | €14.10B | 25.5% | $169.86B |
| SMFG | ¥4.35T | +13.6% | ¥1.14T | 26.1% | $148.76B |
| BBVA | - | - | €10.51B | - | $142.00B |
| HDB | ₹2.50T | +5.2% | ₹704.79B | 28.2% | $128.97B |
CIB FAQ
8 questionsWhat is CIB revenue?
Grupo Cibest S.A. (CIB) reported COP 22.24T of revenue for fiscal 2025 (ended Dec 31, 2025). That is up 4.6% from the year before.Is CIB profitable?
Yes. Grupo Cibest S.A. earned COP 3.82T in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 17.2%.How much cash and debt does CIB have?
Grupo Cibest S.A. reported COP 29.92T in cash and cash equivalents and COP 9.36T of debt on its most recent balance sheet in SEC filings.How fast is CIB revenue growing?
Grupo Cibest S.A.'s revenue changed +4.6% in fiscal 2025, to COP 22.24T.What is CIB free cash flow?
Grupo Cibest S.A. generated COP 10.01T of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of COP 12.26T less capital expenditures.What is CIB earnings per share?
Diluted earnings per share were COP 4045.00 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.When did CIB last report financial results?
The latest statements here come from Grupo Cibest S.A.'s 20-F filed on Apr 8, 2026, covering the period ended Dec 31, 2025.Where does this CIB financial data come from?
Quantisnow builds these statements from the structured XBRL data Grupo Cibest S.A. files with the SEC. It is provided for information only and is not investment advice.