CIB vs. AFL
CIB (Bancolombia S.A.) and AFL (Aflac Incorporated) are both stocks. Both are in the Financial Services sector — CIB in Banks - Regional, AFL in Insurance - Life. Over the past 10 years, CIB returned 14.75%/yr vs 15.48%/yr for AFL. At a 0.25 correlation, their price movements are largely independent.
Performance
CIB vs. AFL - Performance Comparison
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Returns By Period
In the year-to-date period, CIB achieves a 14.89% return, which is significantly higher than AFL's 5.61% return. Both investments have delivered pretty close results over the past 10 years, with CIB having a 14.75% annualized return and AFL not far ahead at 15.48%.
CIB
- 1D
- 1.30%
- 1M
- 10.00%
- YTD
- 14.89%
- 6M
- 17.10%
- 1Y
- 69.72%
- 3Y*
- 51.05%
- 5Y*
- 29.38%
- 10Y*
- 14.75%
AFL
- 1D
- -2.54%
- 1M
- 2.42%
- YTD
- 5.61%
- 6M
- 7.77%
- 1Y
- 13.52%
- 3Y*
- 21.24%
- 5Y*
- 17.94%
- 10Y*
- 15.48%
CIB vs. AFL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CIB Bancolombia S.A. | 14.89% | 124.16% | 13.78% | 22.08% | -0.31% | -20.69% | -22.31% | 47.45% | -0.72% | 11.41% |
AFL Aflac Incorporated | 5.61% | 8.94% | 28.08% | 17.36% | 26.41% | 34.55% | -13.60% | 18.55% | 6.20% | 29.02% |
Correlation
The correlation between CIB and AFL is -0.09, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.09 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.08 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.22 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.27 |
Correlation (All Time) Calculated using the full available price history since Jul 27, 1995 | 0.25 |
The correlation between CIB and AFL shifts across timeframes, from -0.09 (1 year) to 0.27 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
CIB:
$17.04B
AFL:
$59.32B
CIB:
$29.17K
AFL:
$8.76
CIB:
0.00
AFL:
13.16
CIB:
0.00
AFL:
3.41
CIB:
0.00
AFL:
3.35
CIB:
0.00
AFL:
2.64
CIB:
$43.34T
AFL:
$18.22B
CIB:
$25.71T
AFL:
$8.70B
CIB:
$10.37T
AFL:
$6.67B
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Return for Risk
CIB vs. AFL — Risk / Return Rank
CIB
AFL
CIB vs. AFL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bancolombia S.A. (CIB) and Aflac Incorporated (AFL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| CIB | AFL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.41 | ||
| Sortino ratioReturn per unit of downside risk | +1.72 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.14 | +0.23 |
| Calmar ratioReturn relative to maximum drawdown | 2.93 | 1.49 | +1.44 |
| Martin ratioReturn relative to average drawdown | 7.27 | 3.70 | +3.56 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| CIB | AFL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.20 | 0.80 | +1.41 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.90 | 0.86 | +0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.41 | 0.60 | -0.19 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.25 | 0.48 | -0.23 |
Drawdowns
CIB vs. AFL - Drawdown Comparison
The maximum CIB drawdown since its inception was -93.77%, which is greater than AFL's maximum drawdown of -82.71%. Use the drawdown chart below to compare losses from any high point for CIB and AFL.
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Drawdown Indicators
| CIB | AFL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -93.77% | -82.71% | -11.06% |
Max Drawdown (1Y)Largest decline over 1 year | -23.95% | -9.11% | -14.84% |
Max Drawdown (3Y)Largest decline over 3 years | -23.95% | -13.56% | -10.39% |
Max Drawdown (5Y)Largest decline over 5 years | -46.85% | -19.86% | -26.99% |
Max Drawdown (10Y)Largest decline over 10 years | -70.38% | -54.89% | -15.49% |
Current DrawdownCurrent decline from peak | -13.55% | -2.54% | -11.01% |
Average DrawdownAverage peak-to-trough decline | -32.62% | -11.66% | -20.96% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.63% | 3.67% | +5.96% |
Volatility
CIB vs. AFL - Volatility Comparison
Bancolombia S.A. (CIB) has a higher volatility of 12.58% compared to Aflac Incorporated (AFL) at 5.82%. This indicates that CIB's price experiences larger fluctuations and is considered to be riskier than AFL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CIB | AFL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.58% | 5.82% | +6.76% |
Volatility (6M)Calculated over the trailing 6-month period | 26.42% | 12.24% | +14.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 31.85% | 17.08% | +14.77% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 32.68% | 20.94% | +11.74% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.74% | 25.77% | +9.97% |
Dividends
CIB vs. AFL - Dividend Comparison
CIB's dividend yield for the trailing twelve months is around 1.70%, less than AFL's 2.07% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AFL Aflac Incorporated | 2.07% | 2.10% | 1.93% | 2.04% | 2.22% | 2.26% | 2.52% | 2.04% | 2.28% | 1.98% | 2.39% | 2.64% |
CIB Bancolombia S.A. | 1.70% | 6.90% | 10.96% | 10.92% | 10.68% | 0.87% | 4.01% | 2.41% | 3.62% | 3.21% | 3.21% | 4.49% |
Financials
CIB vs. AFL - Financials Comparison
This section allows you to compare key financial metrics between Bancolombia S.A. and Aflac Incorporated. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CIB vs. AFL - Profitability Comparison
CIB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bancolombia S.A. reported a gross profit of 6.19T and revenue of 10.46T. Therefore, the gross margin over that period was 59.2%.
AFL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a gross profit of 2.48B and revenue of 4.32B. Therefore, the gross margin over that period was 57.5%.
CIB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bancolombia S.A. reported an operating income of 2.15T and revenue of 10.46T, resulting in an operating margin of 20.5%.
AFL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported an operating income of 1.23B and revenue of 4.32B, resulting in an operating margin of 28.4%.
CIB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bancolombia S.A. reported a net income of 1.46T and revenue of 10.46T, resulting in a net margin of 13.9%.
AFL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a net income of 1.02B and revenue of 4.32B, resulting in a net margin of 23.6%.
Frequently Asked Questions
CIB and AFL have a correlation of -0.09, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CIB has higher volatility (12.58%) compared to AFL (5.82%). In terms of maximum drawdown, CIB dropped -93.77% vs AFL's -82.71%.
CIB currently has the higher Sharpe Ratio (2.20 vs 0.80), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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