Discounted Cash Flow

Grupo Cibest S.A. ADR

CIB · Based on 10 years of SEC filings · Converted from COP to USD (4 ordinary shares per ADR)

⚠ Cash flow predictability 41/100 (moderate) — FCF YoY std dev 67%, net income 72% (full history)

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income
Dividends

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $8.9m $935.8k $-1.2m 10.6% $5.97
2017 $9.2m (4.3%) $610.1k (-34.8%) $-1.3m (-9.0%) 6.6% (-37.5%) $3.84 (-35.7%)
2018 $11.5m (24.3%) $1.2m (92.8%) $-1.0m (23.2%) 10.2% (55.1%) $7.46 (94.3%)
2019 $11.0m (-4.2%) $-526.8k (-144.8%) $-73.6k (92.7%) -4.8% (-146.8%) $-3.52 (-147.2%)
2020 $11.5m (5.0%) $901.0k (271.0%) $863.8k (1273.2%) 7.8% (263.0%) $6.04 (271.6%)
2021 $17.9m (55.1%) $3.0m (237.5%) $2.4m (172.9%) 17.0% (117.7%) $20.41 (237.9%)
2022 $17.4m (-2.6%) $2.5m (-16.7%) $2.3m (-0.9%) 14.5% (-14.5%) $17.00 (-16.7%)
2023 $13.2m (-24.0%) $2.0b (77697.2%) $5.4b (230720.0%) 14868.9% (102318.9%) $5887.00 (34529.4%)
2024 $10.8m (-18.2%) $2.0b (2.5%) $-517.2m (-109.6%) 18622.0% (25.2%) $6311.00 (7.2%)
2025 $9.4b (86762.8%) $1.2b (-39.0%) $3.2b (723.5%) 13.1% (-99.9%) $7182.00 (13.8%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

SEC filings report in COP. Values above are converted to USD for comparison with the US-listed share price.

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model