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CIB vs MA

CIB
Grupo Cibest S.A.
BEARISH
Price
$71.51
Market Cap
$16.97B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CIB
9.05
MA
30.28
Forward P/E
CIB
7.94
MA
22.05
P/B Ratio
CIB
0.0
MA
57.74
P/S Ratio
CIB
--
MA
13.6
EV/EBITDA
CIB
--
MA
22.13

Profitability

Gross Margin
CIB
0.0%
MA
100.0%
Operating Margin
CIB
0.0%
MA
57.73%
Profit Margin
CIB
30.91%
MA
45.65%
ROE
CIB
16.96%
MA
209.91%
ROA
CIB
1.89%
MA
23.72%

Growth

Revenue Growth
CIB
-80.1%
MA
17.6%
Earnings Growth
CIB
-72.3%
MA
24.2%

Financial Health

Debt/Equity
CIB
--
MA
2.56
Current Ratio
CIB
--
MA
1.03
Quick Ratio
CIB
--
MA
0.68

Dividends

Dividend Yield
CIB
6.89%
MA
0.7%
Payout Ratio
CIB
54.24%
MA
18.4%

AI Verdict

CIB BEARISH

The deterministic health profile is critical, highlighted by a Piotroski F-Score of 0/9, indicating severe deterioration in financial fundamentals. While the stock has shown impressive long-term price appreciation and maintains a strong ROE of 16.96%, current growth metrics are catastrophic with YoY revenue down 80.10% and earnings down 72.30%. The stock is currently trading at $71.51, which is significantly above its growth-based intrinsic value of $55.30 and the analyst target price of $63.76. Despite an attractive dividend yield, the fundamental collapse outweighs the valuation appeal.

Strengths
Strong Return on Equity (ROE) of 16.96%
Attractive dividend yield of 6.89% with a sustainable payout ratio (54.24%)
Low P/E ratio (9.05) relative to the financial services sector average
Risks
Catastrophic YoY revenue decline of 80.10%
Severe earnings contraction of 72.30% YoY
Piotroski F-Score of 0/9 signaling extreme financial weakness
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CIB vs MA: Head-to-Head Comparison

This page compares Grupo Cibest S.A. (CIB) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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