Grupo Cibest S.A.
NYSE: CIB · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-05
Grupo Cibest S.A. (CIB) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.15T | $4.29T | $8.18T | $8.31T | $6.99T | $8.20T | $10.15T | $10.74T | $12.25T | $14.83T | $19.57T | $20.83T | $20.15T | $21.90T | $21.58T | $21.69T | $32.69T | $45.18T | $42.91T | $42.92T |
| Revenue growth (YoY) | — | +3.2% | +90.8% | +1.7% | -15.9% | +17.4% | +23.8% | +5.8% | +14.0% | +21.1% | +32.0% | +6.4% | -3.3% | +8.6% | -1.4% | +0.5% | +50.7% | +38.2% | -5.0% | +0.0% |
| Cost of revenue | $1.40T | $1.28B | $3.89T | $3.78T | $2.08T | $2.64T | $3.97T | $4.28T | $4.03T | $5.71T | $8.78T | $9.69T | $9.51T | $9.59T | $13.39T | $6.77T | $12.23T | $24.13T | $20.48T | $16.69T |
| Gross profit | $2.76T | $4.29T | $4.29T | $4.54T | $4.90T | $5.57T | $6.19T | $6.46T | $8.21T | $9.12T | $10.79T | $11.14T | $10.64T | $12.30T | $8.19T | $14.92T | $20.45T | $21.05T | $22.43T | $26.22T |
| Gross margin | 66.4% | 100.0% | 52.5% | 54.6% | 70.2% | 67.8% | 60.9% | 60.1% | 67.1% | 61.5% | 55.1% | 53.5% | 52.8% | 56.2% | 38.0% | 68.8% | 62.6% | 46.6% | 52.3% | 61.1% |
| R&D | — | — | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — |
| SG&A | $1.45T | $1.81T | $2.43T | $2.64T | $2.83T | $3.31T | $3.78T | $4.12T | $3.92T | $4.49T | $5.45T | $5.77T | $6.03T | $6.44T | $6.19T | $6.77T | $8.02T | $9.29T | $9.87T | $5.77T |
| Operating income | $924.41B | $3.45T | $1.76T | $1.72T | $1.94T | $2.13T | $2.17T | $1.93T | $3.10T | $3.24T | $3.97T | $3.99T | $3.62T | $4.48T | $308.77B | $5.98T | $9.74T | $8.15T | $8.76T | $8.92T |
| Operating margin | 22.3% | 80.5% | 21.6% | 20.7% | 27.8% | 26.0% | 21.4% | 18.0% | 25.3% | 21.8% | 20.3% | 19.2% | 17.9% | 20.4% | 1.4% | 27.6% | 29.8% | 18.0% | 20.4% | 20.8% |
| EBITDA | $1.07T | $3.68T | $2.08T | $2.08T | $2.29T | $2.53T | $2.71T | $2.70T | $3.54T | $3.72T | $4.45T | $4.43T | $4.08T | $5.15T | $1.05T | $6.84T | $10.69T | $9.23T | $9.77T | $8.92T |
| EBITDA margin | 25.8% | 86.0% | 25.4% | 25.1% | 32.7% | 30.8% | 26.7% | 25.2% | 28.9% | 25.1% | 22.7% | 21.2% | 20.3% | 23.5% | 4.8% | 31.5% | 32.7% | 20.4% | 22.8% | 20.8% |
| EBIT | $924.41B | $3.45T | $1.76T | $1.72T | $1.94T | $2.13T | $2.17T | $1.93T | $3.10T | $3.24T | $3.97T | $3.99T | $3.62T | $4.48T | $308.77B | $5.98T | $9.74T | $8.15T | $8.76T | — |
| Interest expense | $1.25T | $2.00T | $2.75T | $2.63T | $1.57T | $2.04T | $2.89T | $3.12T | $3.16T | $4.04T | $6.05T | $6.23T | $5.67T | $6.18T | $5.86T | $4.35T | $8.44T | $16.67T | $15.02T | $12.39T |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $749.53B | $1.09T | $1.29T | $1.26T | $1.44T | $1.66T | $1.70T | $1.52T | $2.39T | $2.52T | $2.87T | $2.62T | $2.66T | $3.12T | $275.99B | $4.09T | $6.78T | $6.12T | $6.27T | $6.78T |
| Net income growth (YoY) | — | +45.0% | +18.7% | -2.6% | +14.3% | +15.8% | +2.3% | -11.0% | +57.6% | +5.5% | +13.8% | -8.7% | +1.7% | +17.2% | -91.1% | +1380.8% | +66.0% | -9.8% | +2.5% | +8.1% |
| Profit margin | 18.0% | 25.4% | 15.8% | 15.1% | 20.6% | 20.3% | 16.8% | 14.1% | 19.5% | 17.0% | 14.6% | 12.6% | 13.2% | 14.2% | 1.3% | 18.8% | 20.8% | 13.5% | 14.6% | 15.8% |
Frequently asked questions
What is Grupo Cibest S.A.'s revenue?
Grupo Cibest S.A.'s trailing twelve-month revenue is $24.71T, and consensus projects about $49.87B by 2030. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is CIB?
In its most recent fiscal year, CIB ran a gross margin of 61.10%, an operating margin of 20.80%, and a net margin of 15.79%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does CIB generate?
CIB produced $10.01T in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is CIB's balance sheet healthy?
CIB holds $22.78T in cash and equivalents against $16.77T in long-term debt, on $39.71T of shareholder equity. Cash on hand exceeds long-term debt, so the balance sheet adds little financial risk to the thesis.