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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Grupo Cibest's Total Liabilities for the quarter that ended in Mar. 2026 was COP351,528,206 Mil. Grupo Cibest's Total Assets for the quarter that ended in Mar. 2026 was COP389,144,477 Mil.
Therefore, Grupo Cibest's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.90.
Grupo Cibest (BOG:CIBEST) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Grupo Cibest Liabilities-to-Assets Related Terms
Grupo Cibest Liabilities-to-Assets Historical Data
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The historical data trend for Grupo Cibest's Liabilities-to-Assets can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOG:CIBEST vs PNC, USB: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Grupo Cibest's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Grupo Cibest Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Cibest's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Grupo Cibest's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Grupo Cibest's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Grupo Cibest (BOG:CIBEST) has a Liabilities-to-Assets of 0.90 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Grupo Cibest and its competitors.
Is Grupo Cibest's Liabilities-to-Assets too high?
Grupo Cibest's current Liabilities-to-Assets is 0.90. Overall, Grupo Cibest has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Cibest's Liabilities-to-Assets compare to PNC and USB?
Grupo Cibest's Liabilities-to-Assets of 0.90 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Grupo Cibest and its competitors. Grupo Cibest's current Liabilities-to-Assets is 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Cibest stock overvalued right now?
Based on GuruFocus' analysis, Grupo Cibest (BOG:CIBEST) is currently considered Modestly Overvalued. The stock's GF Value™ is COP68,636.73, compared to a current price of COP81,800.00 — trading 19.2% above its estimated fair value. The current Liabilities-to-Assets is 0.90. Grupo Cibest's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Grupo Cibest (BOG:CIBEST), the current Liabilities-to-Assets is 0.90 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Grupo Cibest (BOG:CIBEST) Overvalued in 2026?
Based on GuruFocus' analysis, Grupo Cibest stock appears to be overvalued.
The current stock price of COP81,800.00 is trading 19.2% above its estimated GF Value™ of COP68,636.73.
GuruFocus considers Grupo Cibest to be Modestly Overvalued.
Key valuation signals for BOG:CIBEST:
Liabilities-to-Assets: 0.90
GF Value™: COP68,636.73 vs. price of COP81,800.00 (19.2% above fair value)
No single metric tells the full story. See the BOG:CIBEST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Grupo Cibest SA is a full service financial group offering a broad range of financial products and services to a diversified individual and corporate clients through subsidiaries. Its network also includes offshore banking subsidiaries in Panama and Puerto Rico, as well as other adjacent businesses. Its products and services include Savings and Investment, Financing, Factoring, Financial and Operating Leases, Capital Markets, Trading, Cash Management, Foreign Currency and Trade Finance, Bancassurance and Insurance, Investment Banking, Trust and Fiduciary Services, Mortgage Lending Business, among others. Its segments include Banking Colombia, Banking El Salvador, Banking Guatemala, International Banking, Leases, All Other and Banking Panama.
82GF Score
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