Bancolombia S.A. provides banking products and services in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica, and Guatemala. The company operates through nine segments: Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, International Banking, and All Other. It offers checking and savings accounts, fixed term deposits, and investment products; trade financing, loans funded by domestic development banks, working capital loans, credit cards, personal and vehicle loans, payroll loans, and overdrafts; financial support to real estate developers and mortgages for individuals and companies; factoring; and financial and operating leasing services.
Bancolombia Fundamentals Summary
How do Bancolombia's earnings and revenue compare to its market cap?
Is BCOLOMBIA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BCOLOMBIA?
Other financial metrics that can be useful for relative valuation.
The above table shows the n/a ratio for BCOLOMBIA. This is calculated by dividing BCOLOMBIA's market cap by their current
preferred multiple.
What is BCOLOMBIA's n/a Ratio?
n/a Ratio
0x
n/a
n/a
Market Cap
Col$33.95t
BCOLOMBIA key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue
n/a
Enterprise Value/EBITDA
n/a
PEG Ratio
1.3x
Price to Earnings Ratio vs Peers
How does BCOLOMBIA's PE Ratio compare to its peers?
Price-To-Earnings vs Industry: BCOLOMBIA is expensive based on its Price-To-Earnings Ratio (6.7x) compared to the CO Banks industry average (5.2x)
Price to Earnings Ratio vs Fair Ratio
What is BCOLOMBIA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
BCOLOMBIA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio
6.7x
Fair PE Ratio
9.8x
Price-To-Earnings vs Fair Ratio: BCOLOMBIA is good value based on its Price-To-Earnings Ratio (6.7x) compared to the estimated Fair Price-To-Earnings Ratio (9.8x).
Share Price vs Fair Value
What is the Fair Price of BCOLOMBIA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BCOLOMBIA (COP36500) is trading below our estimate of fair value (COP52733.43)
Significantly Below Fair Value: BCOLOMBIA is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BCOLOMBIA is poor value based on its PEG Ratio (1.3x)
Discover undervalued companies
Future Growth
How is Bancolombia forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Future Growth Score
2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
5.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BCOLOMBIA's forecast earnings growth (5.1% per year) is below the savings rate (6.4%).
Earnings vs Market: BCOLOMBIA's earnings (5.1% per year) are forecast to grow faster than the CO market (-0.6% per year).
High Growth Earnings: BCOLOMBIA's earnings are forecast to grow, but not significantly.
Revenue vs Market: BCOLOMBIA's revenue (9.5% per year) is forecast to grow faster than the CO market (0.2% per year).
High Growth Revenue: BCOLOMBIA's revenue (9.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BCOLOMBIA's Return on Equity is forecast to be low in 3 years time (15.5%).
Discover growth companies
Past Performance
How has Bancolombia performed over the past 5 years?
Past Performance Score
3/6
Past Performance Score 3/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-1.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BCOLOMBIA has a high level of non-cash earnings.
Growing Profit Margin: BCOLOMBIA's current net profit margins (30.4%) are higher than last year (5.7%).
Past Earnings Growth Analysis
Earnings Trend: BCOLOMBIA's earnings have declined by 1.5% per year over the past 5 years.
Accelerating Growth: BCOLOMBIA's earnings growth over the past year (993.2%) exceeds its 5-year average (-1.5% per year).
Earnings vs Industry: BCOLOMBIA earnings growth over the past year (993.2%) exceeded the Banks industry 119.1%.
Return on Equity
High ROE: BCOLOMBIA's Return on Equity (17.1%) is considered low.
Discover strong past performing companies
Financial Health
How is Bancolombia's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
5/6
Financial Health Score 5/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BCOLOMBIA's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: BCOLOMBIA has a sufficientallowance for bad loans (101%).
Low Risk Liabilities: 81% of BCOLOMBIA's liabilities are made up of primarily low risk sources of funding.
Loan Level: BCOLOMBIA has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: BCOLOMBIA's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: BCOLOMBIA has a high level of bad loans (6.7%).
Discover healthy companies
Dividend
What is Bancolombia current dividend yield, its reliability and sustainability?
Dividend Score
4/6
Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
8.55%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: BCOLOMBIA's dividend (8.55%) is higher than the bottom 25% of dividend payers in the CO market (3.49%).
High Dividend: BCOLOMBIA's dividend (8.55%) is low compared to the top 25% of dividend payers in the CO market (11.19%).
Stability and Growth of Payments
Stable Dividend: BCOLOMBIA's dividend payments have been volatile in the past 10 years.
Growing Dividend: BCOLOMBIA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (56.9%), BCOLOMBIA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BCOLOMBIA's dividends in 3 years are forecast to be well covered by earnings (49.5% payout ratio).
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
2.5yrs
Average management tenure
CEO
Juan Carlos Mora Uribe (56 yo)
6.08yrs
Tenure
Mr. Juan Carlos Mora Uribe has been the Chief Executive Officer and President of Bancolombia S.a. since May 1, 2016. Mr. Uribe serves as Chief Innovation and Digital Transformation Officer at Bancolombia S...
Leadership Team
Experienced Management: BCOLOMBIA's management team is considered experienced (2.5 years average tenure).
Board Members
Experienced Board: BCOLOMBIA's board of directors are considered experienced (6.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Bancolombia S.A.'s employee growth, exchange listings and data sources
All financial data provided by Standard & Poor's Capital IQ.
Data
Last Updated (UTC time)
Company Analysis
2022/06/28 00:00
End of Day Share Price
2022/06/28 00:00
Earnings
2022/03/31
Annual Earnings
2021/12/31
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.