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

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

Company Profile

Both CIB and ING are American Depositary Receipts (ADRs). This provides U.S. investors with straightforward access to investing in these foreign-listed companies.

SymbolCIBING
Company NameGrupo Cibest S.A.ING Groep N.V.
CountryColombiaNetherlands
GICS SectorFinancialsFinancials
GICS IndustryBanksBanks
Market Capitalization12.52 billion USD73.34 billion USD
ExchangeNYSENYSE
Listing DateJuly 26, 1995May 18, 1994
Security TypeADRADR

Historical Performance

This chart compares the performance of CIB and ING 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.

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

Historical Performance at a Glance

SymbolCIBING
5-Day Price Return0.67%5.12%
13-Week Price Return6.71%10.62%
26-Week Price Return2.79%30.79%
52-Week Price Return-27.92%32.69%
Month-to-Date Return2.90%1.93%
Year-to-Date Return-28.94%38.04%
10-Day Avg. Volume0.05M8.38M
3-Month Avg. Volume3.15M9.52M
3-Month Volatility--19.58%
Beta1.341.08

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.

ING

18.77%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

In the upper quartile for the Banks industry, ING’s Return on Equity of 18.77% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CIB vs. ING: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

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.

ING

29.92%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

ING’s Net Profit Margin of 29.92% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

CIB vs. ING: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

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.

ING

42.36%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

ING’s Operating Profit Margin of 42.36% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

CIB vs. ING: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

SymbolCIBING
Return on Equity (TTM)15.44%18.77%
Return on Assets (TTM)1.76%0.90%
Net Profit Margin (TTM)20.33%29.92%
Operating Profit Margin (TTM)25.93%42.36%
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.

ING

--

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.

CIB vs. ING: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

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.

ING

3.41

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.

CIB vs. ING: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

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.

ING

--

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.

CIB vs. ING: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

SymbolCIBING
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.653.41
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CIB vs. ING: 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

CIB vs. ING: 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)

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.

ING

6.48%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

With a Dividend Yield of 6.48%, ING offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

CIB vs. ING: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

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.

ING

65.42%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

ING’s Dividend Payout Ratio of 65.42% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CIB vs. ING: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

SymbolCIBING
Dividend Yield (TTM)12.09%6.48%
Dividend Payout Ratio (TTM)53.59%65.42%

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.

ING

6.55

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, ING’s P/E Ratio of 6.55 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CIB vs. ING: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

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.

ING

1.96

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.

CIB vs. ING: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

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.

ING

1.19

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

ING’s P/B Ratio of 1.19 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.

CIB vs. ING: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

SymbolCIBING
Price-to-Earnings Ratio (TTM)4.436.55
Price-to-Sales Ratio (TTM)0.891.96
Price-to-Book Ratio (MRQ)1.051.19
Price-to-Free Cash Flow Ratio (TTM)1.866.00