CIB vs. ING: Grupo Cibest vs. ING Groep Stock Comparison

November 11, 2026

How do Grupo Cibest (CIB) and ING Groep (ING) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

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

Company profile comparison for Grupo Cibest (CIB) and ING Groep (ING)
Profile Item	CIB	ING
Name	Grupo Cibest S.A. ADR	ING Groep N.V. Sponsored ADR
Country/Region	Colombia	Netherlands
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Banks
GICS Industry	Banks	Banks
GICS Sub-Industry	Diversified Banks	Diversified Banks
Market Capitalization	21.81 billion USD	90.37 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	July 26, 1995	May 18, 1994
Security Type	ADR	ADR

Price Performance

Cumulative Growth

CIB

ING

GSPC

Grupo Cibest (CIB) vs. ING Groep (ING), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for Grupo Cibest (CIB) and ING Groep (ING). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for Grupo Cibest (CIB) and ING Groep (ING). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
Total Return (1Y)	56.37%	34.23%
Total Return (3Y, Annualized)	74.68%	44.65%
Total Return (5Y, Annualized)	38.32%	24.74%

Risk Profile

Drawdown History

CIB

ING

GSPC

Grupo Cibest (CIB) vs. ING Groep (ING), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for Grupo Cibest (CIB) and ING Groep (ING). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
Volatility (1Y, Annualized)	33.79%	28.52%
Beta (5Y)	0.61	0.85
Max Drawdown (5Y)	-46.85%	-43.39%
Avg. Volume (3M)	297.24K	2.24M

Risk-Adjusted Performance

Risk-Return Positioning

CIB and ING are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
Sharpe Ratio (1Y)	1.54	1.05
Sortino Ratio (1Y)	2.51	1.67

Profitability

ROE (TTM)

Both Grupo Cibest (CIB) at 19.22% and ING Groep (ING) at 17.76% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

CIB

Banks industry group

19.22%

Max: 19.84%
CIB: 19.22%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

ING

Banks industry group

17.76%

Max: 19.84%
ING: 17.76%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

ING Groep (ING) at 34.40% keeps about the industry-typical share of revenue as profit, while Grupo Cibest (CIB) at 17.57% retains only a bottom-quartile share.

CIB

Banks industry group

17.57%

Max: 47.19%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
CIB: 17.57%
Min: 14.93%

ING

Banks industry group

34.40%

Max: 47.19%
Q3: 35.25%
ING: 34.40%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

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

Profitability Metrics

Profitability metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
ROE (TTM)	19.22%	17.76%
ROA (TTM)	2.13%	0.79%
Net Margin (TTM)	17.57%	34.40%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Grupo Cibest (CIB) at 5.11% and ING Groep (ING) at 1.55% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their Revenue Growth across different time periods.

EPS Growth

ING Groep (ING) at 7.07% is around its peer norm for EPS growth, while Grupo Cibest (CIB) at -38.49% falls below its industry range, a notably weak earnings reading.

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
Revenue Growth (YoY)	5.11%	1.55%
Revenue Growth (3Y CAGR)	4.37%	6.63%
EPS Growth (YoY)	-38.49%	7.07%
EPS Growth (3Y CAGR)	-17.17%	28.04%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and ING Groep (ING) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: Grupo Cibest (CIB) in Banks and ING Groep (ING) 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

Financial strength metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile ING Groep (ING) reports a yield of 4.55%, ranking against industry peers normally.

CIB

Banks industry group

0.00%

Max: 5.79%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
CIB: 0.00%
Min: 0.00%

ING

Banks industry group

4.55%

Max: 5.79%
ING: 4.55%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Grupo Cibest (CIB) at 31.29% pays out a band-typical share of earnings, while ING Groep (ING) at 48.14% distributes more than its industry norm — less retained, thinner cover.

CIB

Banks industry group

31.29%

Max: 70.75%
Q3: 41.28%
CIB: 31.29%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

ING

Banks industry group

48.14%

Max: 70.75%
ING: 48.14%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
Dividend Yield (TTM)	0.00%	4.55%
Dividend Payout Ratio (TTM)	31.29%	48.14%

Valuation

P/E Ratio (TTM)

Both Grupo Cibest (CIB) at 11.13 and ING Groep (ING) at 11.70 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

CIB

Banks industry group

11.13

Max: 18.16
Q3: 13.75
Median: 11.81
CIB: 11.13
Q1: 10.64
Min: 6.49

ING

Banks industry group

11.70

Max: 18.16
Q3: 13.75
Median: 11.81
ING: 11.70
Q1: 10.64
Min: 6.49

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and ING Groep (ING) 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.

P/B Ratio (MRQ)

Grupo Cibest (CIB) at 0.00 is valued below its industry’s P/B ratio range against book, whereas ING Groep (ING) at 1.61 carries an above-typical premium — a wide price-to-book gap between them.

CIB

Banks industry group

0.00

Max: 2.28
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59
CIB: 0.00

ING

Banks industry group

1.61

Max: 2.28
ING: 1.61
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59

Grupo Cibest (CIB) vs. ING Groep (ING): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for Grupo Cibest (CIB) and ING Groep (ING)
Metric	CIB	ING
P/E Ratio (TTM)	11.13	11.70
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	0.00	1.61
Free Cash Flow Yield (TTM)	--	--