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AXP vs. CIB: A Head-to-Head Stock Comparison

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Here’s a clear look at AXP and CIB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

AXP is a standard domestic listing, while CIB trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolAXPCIB
Company NameAmerican Express CompanyGrupo Cibest S.A.
CountryUnited StatesColombia
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceBanks
Market Capitalization229.81 billion USD13.73 billion USD
ExchangeNYSENYSE
Listing DateJune 1, 1972July 26, 1995
Security TypeCommon StockADR

Historical Performance

This chart compares the performance of AXP and CIB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

AXP vs. CIB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolAXPCIB
5-Day Price Return-3.53%0.67%
13-Week Price Return0.64%6.71%
26-Week Price Return22.74%2.79%
52-Week Price Return21.90%-27.92%
Month-to-Date Return-0.58%2.90%
Year-to-Date Return11.27%-28.94%
10-Day Avg. Volume2.42M0.05M
3-Month Avg. Volume2.64M3.15M
3-Month Volatility21.54%--
Beta1.161.34

Profitability

Return on Equity (TTM)

AXP

32.87%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

In the upper quartile for the Consumer Finance industry, AXP’s Return on Equity of 32.87% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CIB

15.44%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

CIB’s Return on Equity of 15.44% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

AXP vs. CIB: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Net Profit Margin (TTM)

AXP

13.55%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

AXP’s Net Profit Margin of 13.55% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

CIB

20.33%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

Falling into the lower quartile for the Banks industry, CIB’s Net Profit Margin of 20.33% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AXP vs. CIB: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Operating Profit Margin (TTM)

AXP

17.15%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

AXP’s Operating Profit Margin of 17.15% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

CIB

25.93%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

CIB’s Operating Profit Margin of 25.93% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

AXP vs. CIB: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Profitability at a Glance

SymbolAXPCIB
Return on Equity (TTM)32.87%15.44%
Return on Assets (TTM)3.62%1.76%
Net Profit Margin (TTM)13.55%20.33%
Operating Profit Margin (TTM)17.15%25.93%
Gross Profit Margin (TTM)61.37%--

Financial Strength

Current Ratio (MRQ)

AXP

0.71

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CIB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AXP vs. CIB: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

AXP

6.47

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

CIB

0.65

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

AXP vs. CIB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

AXP

33.37

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

CIB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

AXP vs. CIB: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Financial Strength at a Glance

SymbolAXPCIB
Current Ratio (MRQ)0.71--
Quick Ratio (MRQ)0.71--
Debt-to-Equity Ratio (MRQ)6.470.65
Interest Coverage Ratio (TTM)33.37--

Growth

Revenue Growth

AXP vs. CIB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AXP vs. CIB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AXP

0.93%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

AXP’s Dividend Yield of 0.93% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

CIB

11.16%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

CIB’s Dividend Yield of 11.16% is exceptionally high, placing it well above the typical range for the Banks industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

AXP vs. CIB: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

AXP

20.97%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
Min
0.00%

AXP’s Dividend Payout Ratio of 20.97% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CIB

53.59%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

CIB’s Dividend Payout Ratio of 53.59% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AXP vs. CIB: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Dividend at a Glance

SymbolAXPCIB
Dividend Yield (TTM)0.93%11.16%
Dividend Payout Ratio (TTM)20.97%53.59%

Valuation

Price-to-Earnings Ratio (TTM)

AXP

22.61

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

A P/E Ratio of 22.61 places AXP in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CIB

4.80

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

In the lower quartile for the Banks industry, CIB’s P/E Ratio of 4.80 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

AXP vs. CIB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

AXP

3.06

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

AXP’s P/S Ratio of 3.06 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

CIB

0.89

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

AXP vs. CIB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

AXP

6.87

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

At 6.87, AXP’s P/B Ratio is at an extreme premium to the Consumer Finance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

CIB

1.05

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

CIB’s P/B Ratio of 1.05 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

AXP vs. CIB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Banks industry benchmarks.

Valuation at a Glance

SymbolAXPCIB
Price-to-Earnings Ratio (TTM)22.614.80
Price-to-Sales Ratio (TTM)3.060.89
Price-to-Book Ratio (MRQ)6.871.05
Price-to-Free Cash Flow Ratio (TTM)17.172.01