AVAL

Grupo Aval Acciones y Valores S.A.

Fundamental data last updated:September 30, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

CO

Next Earnings Date

Pending Announcement

Business Summary

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. It offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. The company also provides commercial loans comprising general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans, such as payroll loans, personal loans, automobile and other vehicle loans, credit cards, overdrafts, leases, and general purpose loans; and microcredit and mortgage loans. In addition, the company offers pension and severance fund management services; investment banking, including services relating to capital markets, mergers and acquisitions, and project finance transactions; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing and brokerage transactions, real estate escrow services, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution services, and payment and collection services. Further, it is involved in equity investments in various sectors, including infrastructure, energy and gas, agribusiness, and hospitality; and treasury operations. Grupo Aval Acciones y Valores S.A. was incorporated in 1994 and is headquartered in Bogotá, Colombia.

 


VALUATION

P/E

0.00

Market Cap ($M USD)

$5.57B

Forward P/E

0.00

PEG

0.00

PRICE TO SALES

0.51

PRICE TO BOOK

1.14

EV / EBITDA

10.97

5-Year Average P/E

Free Cash Flow Yield

5.85%

DCF Value

$-8.68

Graham Number

$1096.60

Price to FCF

17.08

EV to FCF

51.37

Earnings Yield

8.35%

FCF Yield

5.85%

DIVIDEND

Yield

3.39%

Annual Payout

$578.33

Payout Ratio

37.24%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1,425.89

Next Year EPS Growth Estimate

$2,657.48

Next Year Revenue Growth Estimate

$24.19T

Return on Equity (ROE)

9.35%

FREE CASH FLOW

Operating Margin

12.38%

Debt-to-Equity

3.72

Piotroski F-Score

8

Altman Z-Score

-0.20

Return on Invested Capital (ROIC)

4.17%

Current Ratio

0.48

Quick Ratio

0.48

Net Debt to EBITDA

7.32

Interest Coverage

0.26

Gross Profit margin

42.22%

FCF PER SHARE

$999.67

REVENUE PER SHARE

$33621.06

Gainseekers Quantitative Analysis

Summary

AVAL’s valuation metrics paint a perplexing picture. The Forward P/E ratio is astonishingly low, suggesting the market expects minimal growth or is significantly undervaluing future earnings potential. However, the Altman Z-score of 0.26 signals distress, raising red flags about financial stability. The Earnings Yield of 8.56% indicates a potentially attractive return, yet the negative DCF Value suggests the stock was trading above its intrinsic worth at the time of analysis. This juxtaposition of metrics suggests a complex narrative of potential mispricing amid financial vulnerability.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, AVAL operates within the regional banking sector, which traditionally lags in tech adoption. However, the financial services industry is increasingly leveraging AI for risk management and customer service enhancements. AVAL's ability to integrate these technologies could determine its future competitiveness and operational efficiency.

The Bull Case

For the value-driven investor, AVAL offers intriguing prospects. The Free Cash Flow Yield of 7.93% and a Piotroski F-Score of 5 suggest reasonable financial health and operational efficiency. Despite a modest ROIC of 1.37%, the company's operating margin of 12.17% indicates some pricing power. These metrics suggest that AVAL has the potential to generate consistent cash flows, appealing to those seeking undervalued opportunities with room for operational improvement.

The Bear Case

Yet, the bear case for AVAL is formidable. The Debt to Equity ratio of 3.72 is alarmingly high, indicating significant leverage and potential financial strain. The Price to Book ratio of 1.09 suggests the stock was not excessively overvalued, but the EV to EBITDA of 12.92 raises concerns about its valuation relative to earnings. Additionally, the stock's proximity to its 52-week high could signal technical overextension, making it vulnerable to a pullback.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

N/A

Institutional Ownership %

1-Year Beta

0.39

Insider Buying % (6 Mo)

Distance to 52-Week High

12.58%

Distance to 52-Week Low

42.00%

EARNINGS SURPRISE %

N/A

50-DAY SMA

$4.41

200-DAY SMA

$4.08

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.