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Grupo Aval Acciones y Valores S.A. AVAL
Financial Services - Banks - Regional - NYSE - CO
Watchlist
$ 2.955
-0.993 %
$ 3.42 B
Market Cap
11.5
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one AVAL stock under the worst case scenario is HIDDEN Compared to the current market price of 2.96 USD, Grupo Aval Acciones y Valores S.A. is HIDDEN

AVAL Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one AVAL stock under the base case scenario is HIDDEN Compared to the current market price of 2.96 USD, Grupo Aval Acciones y Valores S.A. is HIDDEN

AVAL Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one AVAL stock under the best case scenario is HIDDEN Compared to the current market price of 2.96 USD, Grupo Aval Acciones y Valores S.A. is HIDDEN

AVAL Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart AVAL

image
1M 4%
6M 33%
1Y 42%
3Y -3%
5Y -24%
All
$3.3$3.3$3.2$3.2$3.1$3.1$3.0$3.0$2.9$2.9$2.8$2.8$2.7$2.7$2.6$2.6$2.5$2.5$2.4$2.4$2.3$2.3$2.2$2.2Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
11.7 REVENUE
0.20%
Growth Rates
1Year 0.20%
3Years -9.83%
5Years -9.70%
7Years -5.78%
10Years 0.60%
5.37 OPERATING INCOME
-6.22%
Growth Rates
1Year -6.22%
3Years -4.40%
5Years -11.18%
7Years 1.28%
10Years -1.21%
1.02 NET INCOME
-70.89%
Growth Rates
1Year -70.89%
3Years -50.79%
5Years -32.88%
7Years -20.18%
10Years -14.40%
(14) OPERATING CASH FLOW
-775.52%
Growth Rates
1Year -775.52%
3Years -50.06%
5Years -28.41%
7Years -20.78%
10Years -12.15%
(3.14) INVESTING CASH FLOW
-170.69%
Growth Rates
1Year -170.69%
3Years 21.93%
5Years -0.51%
7Years 1.96%
10Years 2.73%
13.5 FINANCING CASH FLOW
480.58%
Growth Rates
1Year 480.58%
3Years 128.95%
5Years 76.28%
7Years 41.41%
10Years 39.37%
9.02 REVENUE
202.49%
Growth Rates
1Year 0.20%
3Years -9.83%
5Years -9.70%
7Years -5.78%
10Years 0.60%
1.18 OPERATING INCOME
-4.40%
Growth Rates
1Year -6.22%
3Years -4.40%
5Years -11.18%
7Years 1.28%
10Years -1.21%
362 B NET INCOME
28.49%
Growth Rates
1Year -70.89%
3Years -50.79%
5Years -32.88%
7Years -20.18%
10Years -14.40%
0 OPERATING CASH FLOW
100.00%
Growth Rates
1Year -775.52%
3Years -50.06%
5Years -28.41%
7Years -20.78%
10Years -12.15%
0 INVESTING CASH FLOW
100.00%
Growth Rates
1Year -170.69%
3Years 21.93%
5Years -0.51%
7Years 1.96%
10Years 2.73%
0 FINANCING CASH FLOW
0.00%
Growth Rates
1Year 480.58%
3Years 128.95%
5Years 76.28%
7Years 41.41%
10Years 39.37%
Balance Sheet Grupo Aval Acciones y Valores S.A.
image
Current Assets 7.28
Cash & Short-Term Investments 7.28
Receivables 0
Other Current Assets 0
Non-Current Assets 321
Long-Term Investments 199
PP&E 6.03
Other Non-Current Assets 115
60.79 %35.15 %Total Assets$327.9t
Current Liabilities 0
Accounts Payable 3.25
Short-Term Debt 1.57
Other Current Liabilities (4.82)
Non-Current Liabilities 293
Long-Term Debt 66.9
Other Non-Current Liabilities 226
22.81 %77.19 %Total Liabilities$293.4t
EFFICIENCY
Earnings Waterfall Grupo Aval Acciones y Valores S.A.
image
Revenue 11.7
Cost Of Revenue 0
Gross Profit 11.7
Operating Expenses 6.36
Operating Income 5.37
Other Expenses 4.36
Net Income 1.02
12t12t10t10t8t8t6t6t4t4t2t2t0012t012t(6t)5t(4t)1tRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 94.46%
5Years 96.66%
7Years 98.80%
10Years 95.92%
45.78% OPERATING MARGIN
45.78%
Averages
1Year 45.78%
3Years 39.76%
5Years 39.71%
7Years 44.46%
10Years 37.49%
8.65% NET MARGIN
8.65%
Averages
1Year 8.65%
3Years 10.07%
5Years 13.21%
7Years 13.68%
10Years 13.58%
5.82% ROE
5.82%
Averages
1Year 5.82%
3Years 8.43%
5Years 10.20%
7Years 11.81%
10Years 12.24%
0.31% ROA
0.31%
Averages
1Year 0.31%
3Years 0.46%
5Years 0.60%
7Years 0.75%
10Years 0.80%
1.14% ROIC
1.14%
Averages
1Year 1.14%
3Years 2.03%
5Years 2.35%
7Years 6.04%
10Years -7.23%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Grupo Aval Acciones y Valores S.A.
image
10t10t5t5t00(5t)(5t)(10t)(10t)(15t)(15t)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.02
Depreciation & Amortization 1.27
Capital Expenditures -663 B
Stock-Based Compensation 0
Change in Working Capital (11.3)
Others (16.3)
Free Cash Flow (14.7)
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Grupo Aval Acciones y Valores S.A.
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AVAL has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.04% DIVIDEND YIELD
0.00839 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.3000000.3000000.2500000.2500000.2000000.2000000.1500000.1500000.1000000.1000000.0500000.0500000.0000000.0000000.0340630.033130.0344520.0340040.0239870.0239250.0296820.0291720.0253380.0247490.0206210.0208830.014630.0145970.0343490.0334120.0338630.0319940.0288080.0279230.0278060.0276620.0319640.0307030.030280.0311040.0250720.0254130.0271670.02730.022250.0211880.0222160.0214270.256940.0126370.0123340.0132240.013630.0092020.0330180.0335380.0331920.0275480.025940.0266480.02970.0290490.0286040.0263570.0272720.0258460.020630.0214770.0213920.0141690.0140590.03340.130.032740.130.0336940.140.025220.120.025220.100.0245920.100.0301110.120.0285550.110.0307220.120.0260980.110.0254420.100.0259460.100.0211030.080.0204420.080.0197750.070.040.040.030.030.030.260.010.010.010.010.010.010.010.01201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 6
6. Ownership
Insider Ownership Grupo Aval Acciones y Valores S.A.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Grupo Aval Acciones y Valores S.A. (AVAL) Q1 2025 Earnings Call Transcript Grupo Aval Acciones y Valores S.A. (NYSE:AVAL ) Q1 2025 Earnings Conference Call May 7, 2025 11:30 AM ET Company Participants Maria Gutierrez Botero - Chief Executive Officer Diego Solano - Chief Financial Officer Paula Duran - Corporate VP of Sustainability and Strategic Products Camilo Perez - Banco de Bogota's Chief Economist Conference Call Participants Brian Flores - Citibank Yuri Fernandes - JPMorgan Operator Welcome to Grupo Aval's First Quarter 2025 Consolidated Results Conference Call. seekingalpha.com - 2 months ago
Grupo Aval Announces the Filing of Its Form 20-F for the Year Ended December 31, 2024 BOGOTÁ, Colombia.--(BUSINESS WIRE)--Grupo Aval Acciones y Valores S.A. (“Grupo Aval” or the “Company”) (NYSE: AVAL; BVC: Voting Shares: GRUPOAVAL, Non-Voting Shares: PFAVAL), announces the filing of its Form 20-F for the year ended December 31, 2024, with the Securities and Exchange Commission (the “SEC”). Grupo Aval's Form 20-F can be accessed by visiting either the SEC's website at www.sec.gov or the Investor Relations section of the Company's website at www.grupoaval.com. In addition, shareh. businesswire.com - 2 months ago
Grupo Aval's Q4: Valuation Expanded Significantly (Rating Downgrade) AVAL's stock valuation has expanded due to a rising share price and decreasing book value post-Q4 earnings. The current price-to-book value of 0.86x aligns with the five-year historical average, but its low ROAE of 6% does not justify it. The company's outlook remains attractive due to expected economic growth and lower inflation in 2025, which could increase loan originations. seekingalpha.com - 4 months ago
Grupo Aval Acciones y Valores S.A. (AVAL) Q4 2024 Earnings Call Transcript Grupo Aval Acciones y Valores S.A. (NYSE:AVAL ) Q4 2024 Earnings Conference Call February 19, 2025 9:00 AM ET Company Participants Maria Lorena Gutierrez Botero - Chief Executive Officer Paula Duran - Corporate Vice President of Sustainability and Strategic Projects Camilo Perez Alvarez - Banco de Bogota's Chief Economist Diego Fernando Solano Saravia - Chief Financial Officer Conference Call Participants Brian Flores - Citigroup Nicolas Riva - BofA Securities Carlos Gomez-Lopez - HSBC Daniel Mora - CrediCorp Capital Julian Ausique Chacon - Davivienda Corredores Operator Welcome to Grupo Aval's Fourth Quarter 2024 Consolidated Results Conference Call. seekingalpha.com - 4 months ago
Grupo Aval: Improving Financials With The Stock Price Not Reacting Grupo Aval's net income growth is driven by a lower-risk environment due to lower provisions that affected the company in 2023. Fiscal imbalances in LATAM could weigh on AVAL's stock price, but fundamental improvements present near-term opportunities. Despite historical stock declines and trading below book value, Aval shows strong financial recovery and cyclical opportunities, making it a buy. seekingalpha.com - 6 months ago
Grupo Aval Acciones y Valores SA (AVAL) Q3 2024 Earnings Conference Call Transcript Grupo Aval Acciones y Valores SA (NYSE:AVAL ) Q3 2024 Earnings Conference Call November 14, 2024 9:00 AM ET Company Participants Maria Gutierrez Botero - CEO Paula Duran - Corporate VP of Sustainability and Strategic Projects Camilo Perez - Banco de Bogota's Chief Economist Diego Solano - CFO Conference Call Participants Brian Flores - Citi Daniel Mora - Credicorp Capital Marlon Medina - J.P. Morgan Julian Ausique - Davivienda Operator Welcome to Grupo Aval's Third Quarter 2024 Consolidated Results Conference Call. seekingalpha.com - 8 months ago
Is Grupo Aval Acciones y Valores (AVAL) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 8 months ago
Profit for Colombia's Grupo Aval jumps six fold in third-quarter Colombian financial conglomerate Grupo Aval reported on Wednesday a more than six-fold increase in its third-quarter net profit, climbing to 415.7 billion Colombian pesos ($94.18 million). reuters.com - 8 months ago
Should Value Investors Buy Grupo Aval Acciones y Valores (AVAL) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 8 months ago
Grupo Aval: Still On The Right Track To Recover Grupo Aval is poised for recovery due to Colombia's improving macroeconomic conditions, interest rate cuts, and a declining inflation rate. The Colombian economy shows signs of recovery with GDP growth, increased domestic demand, and investment, which should benefit Grupo Aval's profitability. Grupo Aval's net interest margin is expected to expand as rate cuts reduce funding costs, with management optimistic about future loan growth. seekingalpha.com - 9 months ago
Grupo Aval Acciones y Valores SA (AVAL) Q1 2024 Earnings Call Transcript Grupo Aval Acciones y Valores SA (NYSE:AVAL ) Q1 2024 Earnings Conference Call May 15, 2024 10:00 AM ET Company Participants Maria Lorena Gutierrez Botero – Chief Executive Officer Diego Fernando Solano Saravia – Chief Financial Officer Conference Call Participants Nicolas Riva – Bank of America Julián Ausique – Davivienda Corredores Operator Welcome to Grupo Aval's First Quarter 2024 Consolidated Results Conference Call. My name is Regina and I will be your operator for today's call. seekingalpha.com - 1 year ago
Grupo Aval Announces the Filing of Its Form 20-F for the Year Ended December 31, 2023 BOGOTÁ, Colombia--(BUSINESS WIRE)--Grupo Aval Acciones y Valores S.A. (“Grupo Aval” or the “Company”) (NYSE: AVAL; BVC: Voting Shares: GRUPOAVAL, Non-Voting Shares: PFAVAL), announces the filing of its Form 20-F for the year ended December 31, 2023, with the Securities and Exchange Commission (the “SEC”). Grupo Aval's Form 20-F can be accessed by visiting either the SEC's website at www.sec.gov or the Investor Relations section of the Company's website at www.grupoaval.com. In addition, shareho. businesswire.com - 1 year ago
8. Profile Summary

Grupo Aval Acciones y Valores S.A. AVAL

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COUNTRY CO
INDUSTRY Banks - Regional
MARKET CAP $ 3.42 B
Dividend Yield 1.04%
Description 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.
Contact Carrera 13 No. 26A – 47, Bogotá, https://www.grupoaval.com
IPO Date Sept. 23, 2014
Employees 77043
Officers Mr. Rodolfo Velez Borda Chief of Information Technology Ms. Maria Lorena Gutierrez Botero President Omar Suarez Head of Equity Strategy Mr. Eduardo Duque Suarez Chief Risk Officer Mr. Jorge Adrian Rincon Plata Chief Legal Officer Mr. Rafael Eduardo Neira Torres Chief of Internal Control Ms. Paula Duran Fernandez Chief of Sustainability and Strategic Projects Mr. Jorge Castano Gutierrez Chief of Financial Assets and Efficiency Mr. Diego Fernando Solano Saravia Chief Financial Officer Ms. María Edith Gonzalez Florez Vice President of Accounting