Grupo Aval Acciones y Valores S.A.

Grupo Aval Acciones y Valores S.A.

Financial Services

NYSE:AVAL · New York Stock Exchange

Market Cap $6.64B Beta 0.41 P/E (TTM) 13.7
$5.59 +3.90%

+$0.21 today

52W Low $2.72High $5.75

Vol 0.54M · Avg 0.22M

EPS (TTM)$1,425.89
Div Yield2.65%
Banks - Regional

Income Statement

Follow revenue through to earnings

Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.

Earnings Waterfall

Revenue to Net Income

Key Ratios

EPS$1425.40
Gross Margin41.6%
Net Margin4.3%
P/E Ratio10.4
P/S Ratio1.7

Analysis

$39.9T of revenue converted into $1.7T of net income for the selected period. Gross margin is 41.6% and net margin is 4.3%, showing how much revenue survives after costs and taxes. EPS is $1425.40, tying the income statement back to per-share earnings.

Income Statement

Annual data · 5 periods

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Revenue
$42.3T
+14.5%
$37.0T
-3.8%
$38.4T
+37.6%
$27.9T
+35.2%
$20.7T
$809.6M$921.6M$731.2M
Cost of Revenue
$20.8T
-19.0%
$25.7T
-6.3%
$27.4T
+85.2%
$14.8T
+88.3%
$7.9T
$725.6M$804.0M$882.4M
Gross Profit
$21.5T
+90.6%
$11.3T
+2.3%
$11.1T
-16.0%
$13.2T
+2.7%
$12.8T
$8.9B$7.6B$6.2B
Gross Margin
50.9%
+20.3pp
30.6%
+1.8pp
28.8%
-18.3pp
47.1%
-14.9pp
62.0%
9.8%28.9%38.3%
Research & Development
$0
$0
$0
$0
$0
$983.2M$1.3B$490.4M
Selling, General & Admin
$3.0T
-31.0%
$4.4T
+7.6%
$4.1T
+9.5%
$3.7T
+8.1%
$3.4T
$620.6M$923.0M-$1.5B
Operating Expenses
$17.7T
+116.6%
$8.2T
+7.9%
$7.6T
+9.9%
$6.9T
+6.7%
$6.5T
$5.3B$7.0B$8.7B
Depreciation & Amortization
$0
-100.0%
$1.3T
+10.7%
$1.2T
+5.6%
$1.1T
-24.6%
$1.4T
$374.2M$1.2B$631.8M
EBITDA
$3.9T
-12.5%
$4.4T
-4.9%
$4.6T
-37.0%
$7.4T
-5.7%
$7.8T
-$15.2B$6.8B$9.3B
EBITDA Margin
9.1%
-2.8pp
11.9%
-0.1pp
12.1%
-14.3pp
26.4%
-11.4pp
37.8%
5.6%46.3%42.0%
Operating Income
$3.9T
+23.0%
$3.1T
-10.0%
$3.5T
-44.4%
$6.3T
-1.4%
$6.4T
$12.3B$14.0B-$15.7B
Operating Margin
9.1%
+0.6pp
8.5%
-0.6pp
9.1%
-13.4pp
22.5%
-8.3pp
30.8%
16.6%24.1%22.0%
Interest Income
$23.9T
-15.1%
$28.2T
-2.6%
$28.9T
+49.0%
$19.4T
+51.7%
$12.8T
-$1.5B-$1.6B$405.0M
Interest Expense
$16.8T
-19.6%
$20.9T
-7.6%
$22.6T
+94.0%
$11.7T
+150.3%
$4.7T
$1.1B$1.0B$1.2B
Other Income / Expenses
$0
$0
$0
$0
$0
-$1.5B$1.4B$1.2B
Income Before Tax
$3.9T
+23.0%
$3.1T
-10.0%
$3.5T
-44.4%
$6.3T
-1.4%
$6.4T
$3.3B$4.9B$3.6B
Pre-Tax Margin
9.1%
+0.6pp
8.5%
-0.6pp
9.1%
-13.4pp
22.5%
-8.3pp
30.8%
20.8%18.7%26.2%
Income Tax Expense
$1.3T
+41.0%
$946.4B
-27.8%
$1.3T
-42.3%
$2.3T
-2.2%
$2.3T
$1.3B-$1.6B$745.2M
Net Income
$1.6T
+58.0%
$1.0T
+37.4%
$739.0B
-70.2%
$2.5T
-24.7%
$3.3T
$4.9B$4.8B$4.7B
Net Margin
3.8%
+1.0pp
2.7%
+0.8pp
1.9%
-7.0pp
8.9%
-7.1pp
16.0%
12.4%17.5%22.5%
EPS (Basic)
$1.4K
+57.8%
$856
+37.5%
$622
-61.9%
$1.6K
-16.5%
$2.0K
$400.8M$703.2M$1.3B
EPS (Diluted)
$1.4K
+57.8%
$856
+37.5%
$622
-61.9%
$1.6K
-16.5%
$2.0K
$766.2M$609.4M$452.6M
Weighted Avg Shares
$1.2B
+0.0%
$1.2B
+0.0%
$1.2B
+2.6%
$1.2B
+3.9%
$1.1B
$757.8M$925.8M$1.1B
Weighted Avg Shares (Diluted)
$1.2B
+0.0%
$1.2B
+0.0%
$1.2B
+2.6%
$1.2B
+3.9%
$1.1B
$1.2B$924.4M$678.0M

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SEC Filings

Recent regulatory filings

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How much revenue does AVAL generate?

Grupo Aval Acciones y Valores S.A. (AVAL) reported $42.33T of revenue in fiscal 2025.

Is AVAL profitable?

Grupo Aval Acciones y Valores S.A. (AVAL) reported $1.60T of net income, with a net margin of 3.8%.

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