AVAL
Grupo Aval Acciones y Valores S.A.
Banks - Regional
Market Cap$5.34B
5Y Perf.+2.5%
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Stock Comparison
AVAL vs BMA
Revenue, margins, valuation, and 5-year total return — side by side.
BMA
Banco Macro S.A.
Banks - Regional
Market Cap$4.70B
5Y Perf.+336.3%
AVAL vs BMA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AVAL | BMA |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $5.34B | $4.70B |
| Revenue (TTM) | $36.97T | $6.46T |
| Net Income (TTM) | $1.66T | $291.41B |
| Gross Margin | 30.6% | 68.3% |
| Operating Margin | 8.5% | 5.6% |
| Forward P/E | 0.0x | 0.0x |
| Total Debt | $71.36T | $465.41B |
| Cash & Equiv. | $15.53T | $2.78T |
AVAL vs BMA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AVAL
BMA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Aval Acciones… (AVAL) | 100 | 102.5 | +2.5% |
| Banco Macro S.A. (BMA) | 100 | 436.3 | +336.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AVAL vs BMA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AVAL leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Banco Macro S.A. is the stronger pick specifically for dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
AVAL
Grupo Aval Acciones y Valores S.A.
The Banking Pick
AVAL carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth -3.8%, EPS growth 37.5%
- Lower volatility, beta 0.91, current ratio 0.37x
- -3.8% NII/revenue growth vs BMA's -33.3%
Best for: growth exposure and sleep-well-at-night
BMA
Banco Macro S.A.
The Banking Pick
BMA is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 1.76, yield 7.0%
- 48.5% 10Y total return vs AVAL's 12.1%
- Beta 1.76, yield 7.0%, current ratio 0.51x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AVAL | -3.8% NII/revenue growth vs BMA's -33.3% |
| Value | AVAL | Lower P/E (0.0x vs 0.0x) |
| Quality / Margins | AVAL | Efficiency ratio 0.2% vs BMA's 0.6% (lower = leaner) |
| Stability / Safety | AVAL | Beta 0.91 vs BMA's 1.76 |
| Dividends | BMA | 7.0% yield, 1-year raise streak, vs AVAL's 3.7% |
| Momentum (1Y) | AVAL | +65.6% vs BMA's -9.1% |
| Efficiency (ROA) | AVAL | Efficiency ratio 0.2% vs BMA's 0.6% |
AVAL vs BMA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBMALAGGINGAVAL
AVALGrupo Aval Acciones y…
2leads
BMABanco Macro S.A.
4leads
6 Total Categories
CATEGORYLEADERvs AVALMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BMA3/5
Valuation MetricsMultiples, price ratios, and targets
AVAL4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BMA9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BMA4/6
Risk & VolatilityBeta, volatility, and downside exposure
AVAL2/2
Analyst OutlookRatings, price targets, and dividends
BMA2/2
Income & Cash Flow (Last 12 Months)
BMA leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
AVAL is the larger business by revenue, generating $36.97T annually — 5.7x BMA's $6.46T. Profitability is closely matched — net margins range from 5.0% (BMA) to 2.7% (AVAL).
| Metric | AVALGrupo Aval Accion… | BMABanco Macro S.A. |
|---|---|---|
| RevenueTrailing 12 months | $36.97T | $6.46T |
| EBITDAEarnings before interest/tax | $5.08T | $620.9B |
| Net IncomeAfter-tax profit | $1.66T | $291.4B |
| Free Cash FlowCash after capex | -$480.9B | -$2.44T |
| Gross MarginGross profit ÷ Revenue | +30.6% | +68.3% |
| Operating MarginEBIT ÷ Revenue | +8.5% | +5.6% |
| Net MarginNet income ÷ Revenue | +2.7% | +5.0% |
| FCF MarginFCF ÷ Revenue | -39.8% | +12.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.9% | -136.4% |
BMA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
AVAL leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 19.5x trailing earnings, AVAL trades at a 5% valuation discount to BMA's 20.4x P/E. On an enterprise value basis, BMA's 8.5x EV/EBITDA is more attractive than AVAL's 17.1x.
| Metric | AVALGrupo Aval Accion… | BMABanco Macro S.A. |
|---|---|---|
| Market CapShares × price | $5.3B | $4.7B |
| Enterprise ValueMkt cap + debt − cash | $20.4B | $3.0B |
| Trailing P/EPrice ÷ TTM EPS | 19.48x | 20.42x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.40x |
| EV / EBITDAEnterprise value multiple | 17.14x | 8.47x |
| Price / SalesMarket cap ÷ Revenue | 0.54x | 1.01x |
| Price / BookPrice ÷ Book value/share | 0.60x | 1.64x |
| Price / FCFMarket cap ÷ FCF | — | 8.22x |
AVAL leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
BMA leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
BMA delivers a 6.1% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $5 for AVAL. BMA carries lower financial leverage with a 0.11x debt-to-equity ratio, signaling a more conservative balance sheet compared to AVAL's 2.15x. On the Piotroski fundamental quality scale (0–9), BMA scores 6/9 vs AVAL's 4/9, reflecting solid financial health.
| Metric | AVALGrupo Aval Accion… | BMABanco Macro S.A. |
|---|---|---|
| ROE (TTM)Return on equity | +4.8% | +6.1% |
| ROA (TTM)Return on assets | +0.5% | +1.4% |
| ROICReturn on invested capital | +2.4% | +5.5% |
| ROCEReturn on capital employed | +2.6% | +5.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 2.15x | 0.11x |
| Net DebtTotal debt minus cash | $55.83T | -$2.31T |
| Cash & Equiv.Liquid assets | $15.53T | $2.78T |
| Total DebtShort + long-term debt | $71.36T | $465.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.23x | 0.28x |
BMA leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BMA leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BMA five years ago would be worth $62,073 today (with dividends reinvested), compared to $12,179 for AVAL. Over the past 12 months, AVAL leads with a +65.6% total return vs BMA's -9.1%. The 3-year compound annual growth rate (CAGR) favors BMA at 69.4% vs AVAL's 26.4% — a key indicator of consistent wealth creation.
| Metric | AVALGrupo Aval Accion… | BMABanco Macro S.A. |
|---|---|---|
| YTD ReturnYear-to-date | +12.5% | -13.9% |
| 1-Year ReturnPast 12 months | +65.6% | -9.1% |
| 3-Year ReturnCumulative with dividends | +102.1% | +386.0% |
| 5-Year ReturnCumulative with dividends | +21.8% | +520.7% |
| 10-Year ReturnCumulative with dividends | +12.1% | +48.5% |
| CAGR (3Y)Annualised 3-year return | +26.4% | +69.4% |
BMA leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
AVAL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AVAL is the less volatile stock with a 0.91 beta — it tends to amplify market swings less than BMA's 1.76 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AVAL currently trades 85.2% from its 52-week high vs BMA's 70.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AVALGrupo Aval Accion… | BMABanco Macro S.A. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.91x | 1.76x |
| 52-Week HighHighest price in past year | $5.28 | $106.15 |
| 52-Week LowLowest price in past year | $2.61 | $38.30 |
| % of 52W HighCurrent price vs 52-week peak | +85.2% | +70.5% |
| RSI (14)Momentum oscillator 0–100 | 53.0 | 53.1 |
| Avg Volume (50D)Average daily shares traded | 197K | 366K |
AVAL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
BMA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AVAL as "Hold" and BMA as "Buy". For income investors, BMA offers the higher dividend yield at 7.02% vs AVAL's 3.68%.
| Metric | AVALGrupo Aval Accion… | BMABanco Macro S.A. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $130.00 |
| # AnalystsCovering analysts | 6 | 14 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +7.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $613.37 | $7302.65 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | 0.0% |
BMA leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BMA leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). AVAL leads in 2 (Valuation Metrics, Risk & Volatility).
Best OverallBanco Macro S.A. (BMA)Leads 4 of 6 categories
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AVAL vs BMA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AVAL or BMA a better buy right now?
For growth investors, Grupo Aval Acciones y Valores S.
A. (AVAL) is the stronger pick with -3. 8% revenue growth year-over-year, versus -33. 3% for Banco Macro S. A. (BMA). Grupo Aval Acciones y Valores S. A. (AVAL) offers the better valuation at 19. 5x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Banco Macro S. A. (BMA) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AVAL or BMA?
On trailing P/E, Grupo Aval Acciones y Valores S.
A. (AVAL) is the cheapest at 19. 5x versus Banco Macro S. A. at 20. 4x. On forward P/E, Grupo Aval Acciones y Valores S. A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — AVAL or BMA?
Over the past 5 years, Banco Macro S.
A. (BMA) delivered a total return of +520. 7%, compared to +21. 8% for Grupo Aval Acciones y Valores S. A. (AVAL). Over 10 years, the gap is even starker: BMA returned +48. 5% versus AVAL's +12. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AVAL or BMA?
By beta (market sensitivity over 5 years), Grupo Aval Acciones y Valores S.
A. (AVAL) is the lower-risk stock at 0. 91β versus Banco Macro S. A. 's 1. 76β — meaning BMA is approximately 93% more volatile than AVAL relative to the S&P 500. On balance sheet safety, Banco Macro S. A. (BMA) carries a lower debt/equity ratio of 11% versus 2% for Grupo Aval Acciones y Valores S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — AVAL or BMA?
By revenue growth (latest reported year), Grupo Aval Acciones y Valores S.
A. (AVAL) is pulling ahead at -3. 8% versus -33. 3% for Banco Macro S. A. (BMA). On earnings-per-share growth, the picture is similar: Grupo Aval Acciones y Valores S. A. grew EPS 37. 5% year-over-year, compared to -44. 6% for Banco Macro S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AVAL or BMA?
Banco Macro S.
A. (BMA) is the more profitable company, earning 5. 0% net margin versus 2. 7% for Grupo Aval Acciones y Valores S. A. — meaning it keeps 5. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AVAL leads at 8. 5% versus 5. 6% for BMA. At the gross margin level — before operating expenses — BMA leads at 68. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AVAL or BMA more undervalued right now?
On forward earnings alone, Grupo Aval Acciones y Valores S.
A. (AVAL) trades at 0. 0x forward P/E versus 0. 0x for Banco Macro S. A. — 0. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — AVAL or BMA?
All stocks in this comparison pay dividends.
Banco Macro S. A. (BMA) offers the highest yield at 7. 0%, versus 3. 7% for Grupo Aval Acciones y Valores S. A. (AVAL).
09Is AVAL or BMA better for a retirement portfolio?
For long-horizon retirement investors, Grupo Aval Acciones y Valores S.
A. (AVAL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 91), 3. 7% yield). Banco Macro S. A. (BMA) carries a higher beta of 1. 76 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (AVAL: +12. 1%, BMA: +48. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AVAL and BMA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(AVAL: -3.8% · BMA: -33.3%)Net Margin>
%
(AVAL: 2.7% · BMA: 5.0%)P/E Ratio<
x
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