CIB vs. CRCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CIB and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
CIB trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, CRCL is a standard domestic listing.
| Symbol | CIB | CRCL |
|---|---|---|
| Company Name | Grupo Cibest S.A. | Circle Internet Group |
| Country | Colombia | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Banks | Software |
| Market Capitalization | 12.52 billion USD | 37.93 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 26, 1995 | June 5, 2025 |
| Security Type | ADR | Common Stock |
Historical Performance
This chart compares the performance of CIB and CRCL 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.
Historical Performance at a Glance
| Symbol | CIB | CRCL |
|---|---|---|
| 5-Day Price Return | 0.67% | 0.15% |
| 13-Week Price Return | 6.71% | -- |
| 26-Week Price Return | 2.79% | -- |
| 52-Week Price Return | -27.92% | -- |
| Month-to-Date Return | 2.90% | -16.54% |
| Year-to-Date Return | -28.94% | 84.02% |
| 10-Day Avg. Volume | 0.05M | 12.89M |
| 3-Month Avg. Volume | 3.15M | 28.46M |
| 3-Month Volatility | -- | -- |
| Beta | 1.34 | -5.76 |
Profitability
Return on Equity (TTM)
CIB
15.44%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
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.
CRCL
--
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
Return on Equity data for CRCL is currently unavailable.
Net Profit Margin (TTM)
CIB
20.33%
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- 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.
CRCL
--
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
Net Profit Margin data for CRCL is currently unavailable.
Operating Profit Margin (TTM)
CIB
25.93%
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
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.
CRCL
--
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
Operating Profit Margin data for CRCL is currently unavailable.
Profitability at a Glance
| Symbol | CIB | CRCL |
|---|---|---|
| Return on Equity (TTM) | 15.44% | -- |
| Return on Assets (TTM) | 1.76% | -- |
| Net Profit Margin (TTM) | 20.33% | -- |
| Operating Profit Margin (TTM) | 25.93% | -- |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
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.
CRCL
1.02
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
CRCL’s Current Ratio of 1.02 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
Debt-to-Equity Ratio (MRQ)
CIB
0.65
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
CRCL
0.02
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
CRCL’s Debt-to-Equity Ratio of 0.02 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio (TTM)
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.
CRCL
--
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
Interest Coverage Ratio data for CRCL is currently unavailable.
Financial Strength at a Glance
| Symbol | CIB | CRCL |
|---|---|---|
| Current Ratio (MRQ) | -- | 1.02 |
| Quick Ratio (MRQ) | -- | 1.02 |
| Debt-to-Equity Ratio (MRQ) | 0.65 | 0.02 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CIB
12.09%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
CIB’s Dividend Yield of 12.09% 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.
CRCL
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
CIB
53.59%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- 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.
CRCL
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | CIB | CRCL |
|---|---|---|
| Dividend Yield (TTM) | 12.09% | 0.00% |
| Dividend Payout Ratio (TTM) | 53.59% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
CIB
4.43
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
In the lower quartile for the Banks industry, CIB’s P/E Ratio of 4.43 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
CRCL
--
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
P/E Ratio data for CRCL is currently unavailable.
Price-to-Sales Ratio (TTM)
CIB
0.89
Banks Industry
- Max
- 5.06
- 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.
CRCL
--
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
P/S Ratio data for CRCL is currently unavailable.
Price-to-Book Ratio (MRQ)
CIB
1.05
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
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.
CRCL
--
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
P/B Ratio data for CRCL is currently unavailable.
Valuation at a Glance
| Symbol | CIB | CRCL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 4.43 | -- |
| Price-to-Sales Ratio (TTM) | 0.89 | -- |
| Price-to-Book Ratio (MRQ) | 1.05 | -- |
| Price-to-Free Cash Flow Ratio (TTM) | 1.86 | -- |