CIB vs. HDB: Grupo Cibest vs. HDFC Bank Stock Comparison

Company Profile

Grupo Cibest (CIB) and HDFC Bank (HDB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Grupo Cibest (CIB) and HDFC Bank (HDB) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while HDFC Bank (HDB) at 11.01% is closer to the peer norm — stronger capital efficiency for CIB.

Both Grupo Cibest (CIB) at 17.57% and HDFC Bank (HDB) at 26.53% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Grupo Cibest (CIB) in Banks and HDFC Bank (HDB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Grupo Cibest (CIB) at 5.11% and HDFC Bank (HDB) at 5.23% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Only one side can be read here: Grupo Cibest (CIB) reports EPS growth of -38.49%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and HDFC Bank (HDB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Grupo Cibest (CIB) in Banks and HDFC Bank (HDB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile HDFC Bank (HDB) reports a yield of 52.63%, ranking against industry peers normally.

Both Grupo Cibest (CIB) at 31.29% and HDFC Bank (HDB) at 23.43% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Grupo Cibest (CIB) at 11.13 is near its industry’s usual P/E ratio, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — HDB needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and HDFC Bank (HDB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Grupo Cibest (CIB) at 0.00 prices below its industry’s P/B ratio range while HDFC Bank (HDB) at 10.01 prices above it — an unusually wide split in valuation relative to book.

Valuation Metrics