CIB vs. SHG: Grupo Cibest vs. Shinhan Financial Stock Comparison

Company Profile

Grupo Cibest (CIB) and Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) at 8.94% is in the bottom quartile, showing a clear gap in returns on equity.

Both Grupo Cibest (CIB) at 17.57% and Shinhan Financial (SHG) at 26.15% 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) at 4.66% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Shinhan Financial (SHG) at 16.24% 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.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) reports a yield of 4,638.28%, ranking against industry peers normally.

Both Grupo Cibest (CIB) at 31.29% and Shinhan Financial (SHG) at 25.22% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Shinhan Financial (SHG) at 7.98 sits in the cheaper P/E ratio quartile, while Grupo Cibest (CIB) at 11.13 is closer to its industry’s usual earnings multiple — a discount for SHG, though growth and earnings durability still matter.

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and Shinhan Financial (SHG) 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 is priced below its industry’s P/B ratio range against book, and Shinhan Financial (SHG) at 0.66 also sits in the lower quartile — both look cheap on assets, CIB more so.

Valuation Metrics