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 ITUB
Revenue, margins, valuation, and 5-year total return — side by side.
ITUB
Itaú Unibanco Holding S.A.
Banks - Regional
Market Cap$90.15B
5Y Perf.+157.2%
AVAL vs ITUB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AVAL | ITUB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $5.34B | $90.15B |
| Revenue (TTM) | $36.97T | $384.58B |
| Net Income (TTM) | $1.66T | $44.86B |
| Gross Margin | 30.6% | 34.5% |
| Operating Margin | 8.5% | 13.1% |
| Forward P/E | 0.0x | 1.7x |
| Total Debt | $71.36T | $1.01T |
| Cash & Equiv. | $15.53T | $270.61B |
AVAL vs ITUB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AVAL
ITUB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Aval Acciones… (AVAL) | 100 | 102.5 | +2.5% |
| Itaú Unibanco Holdi… (ITUB) | 100 | 257.2 | +157.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AVAL vs ITUB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ITUB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Grupo Aval Acciones y Valores S.A. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. 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 is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.91, current ratio 0.37x
- Beta 0.91, yield 3.7%, current ratio 0.37x
- NIM 2.2% vs ITUB's 1.2%
Best for: sleep-well-at-night and defensive
ITUB
Itaú Unibanco Holding S.A.
The Banking Pick
ITUB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 1.11, yield 10.4%
- Rev growth 18.0%, EPS growth 4.0%
- 188.7% 10Y total return vs AVAL's 12.1%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ITUB | 18.0% NII/revenue growth vs AVAL's -3.8% |
| Value | AVAL | Lower P/E (0.0x vs 1.7x) |
| Quality / Margins | ITUB | Efficiency ratio 0.2% vs AVAL's 0.2% (lower = leaner) |
| Stability / Safety | AVAL | Beta 0.91 vs ITUB's 1.11, lower leverage |
| Dividends | ITUB | 10.4% yield, 4-year raise streak, vs AVAL's 3.7% |
| Momentum (1Y) | AVAL | +65.6% vs ITUB's +44.4% |
| Efficiency (ROA) | ITUB | Efficiency ratio 0.2% vs AVAL's 0.2% |
AVAL vs ITUB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLITUBLAGGINGAVAL
AVALGrupo Aval Acciones y…
2leads
ITUBItaú Unibanco Holding…
4leads
6 Total Categories
CATEGORYLEADERvs AVALMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ITUB4/5
Valuation MetricsMultiples, price ratios, and targets
AVAL4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ITUB7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
ITUB5/6
Risk & VolatilityBeta, volatility, and downside exposure
AVAL2/2
Analyst OutlookRatings, price targets, and dividends
ITUB2/2
Income & Cash Flow (Last 12 Months)
ITUB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
AVAL is the larger business by revenue, generating $36.97T annually — 96.1x ITUB's $384.6B. ITUB is the more profitable business, keeping 11.7% of every revenue dollar as net income compared to AVAL's 2.7%.
| Metric | AVALGrupo Aval Accion… | ITUBItaú Unibanco Hol… |
|---|---|---|
| RevenueTrailing 12 months | $36.97T | $384.6B |
| EBITDAEarnings before interest/tax | $5.08T | $57.6B |
| Net IncomeAfter-tax profit | $1.66T | $44.9B |
| Free Cash FlowCash after capex | -$480.9B | $117.6B |
| Gross MarginGross profit ÷ Revenue | +30.6% | +34.5% |
| Operating MarginEBIT ÷ Revenue | +8.5% | +13.1% |
| Net MarginNet income ÷ Revenue | +2.7% | +11.7% |
| FCF MarginFCF ÷ Revenue | -39.8% | +33.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.9% | -11.4% |
ITUB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
AVAL leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 10.3x trailing earnings, ITUB trades at a 47% valuation discount to AVAL's 19.5x P/E. On an enterprise value basis, AVAL's 17.1x EV/EBITDA is more attractive than ITUB's 20.6x.
| Metric | AVALGrupo Aval Accion… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Market CapShares × price | $5.3B | $90.2B |
| Enterprise ValueMkt cap + debt − cash | $20.4B | $240.0B |
| Trailing P/EPrice ÷ TTM EPS | 19.48x | 10.30x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 1.74x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.50x |
| EV / EBITDAEnterprise value multiple | 17.14x | 20.62x |
| Price / SalesMarket cap ÷ Revenue | 0.54x | 1.16x |
| Price / BookPrice ÷ Book value/share | 0.60x | 2.11x |
| Price / FCFMarket cap ÷ FCF | — | 3.48x |
AVAL leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
ITUB leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
ITUB delivers a 20.6% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $5 for AVAL. AVAL carries lower financial leverage with a 2.15x debt-to-equity ratio, signaling a more conservative balance sheet compared to ITUB's 4.71x.
| Metric | AVALGrupo Aval Accion… | ITUBItaú Unibanco Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +4.8% | +20.6% |
| ROA (TTM)Return on assets | +0.5% | +1.5% |
| ROICReturn on invested capital | +2.4% | +3.2% |
| ROCEReturn on capital employed | +2.6% | +2.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 2.15x | 4.71x |
| Net DebtTotal debt minus cash | $55.83T | $742.0B |
| Cash & Equiv.Liquid assets | $15.53T | $270.6B |
| Total DebtShort + long-term debt | $71.36T | $1.01T |
| Interest CoverageEBIT ÷ Interest expense | 0.23x | 0.23x |
ITUB leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
ITUB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ITUB five years ago would be worth $24,900 today (with dividends reinvested), compared to $12,179 for AVAL. Over the past 12 months, AVAL leads with a +65.6% total return vs ITUB's +44.4%. The 3-year compound annual growth rate (CAGR) favors ITUB at 26.5% vs AVAL's 26.4% — a key indicator of consistent wealth creation.
| Metric | AVALGrupo Aval Accion… | ITUBItaú Unibanco Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +12.5% | +14.3% |
| 1-Year ReturnPast 12 months | +65.6% | +44.4% |
| 3-Year ReturnCumulative with dividends | +102.1% | +102.5% |
| 5-Year ReturnCumulative with dividends | +21.8% | +149.0% |
| 10-Year ReturnCumulative with dividends | +12.1% | +188.7% |
| CAGR (3Y)Annualised 3-year return | +26.4% | +26.5% |
ITUB leads this category, winning 5 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 ITUB's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | AVALGrupo Aval Accion… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.91x | 1.11x |
| 52-Week HighHighest price in past year | $5.28 | $9.60 |
| 52-Week LowLowest price in past year | $2.61 | $6.07 |
| % of 52W HighCurrent price vs 52-week peak | +85.2% | +85.2% |
| RSI (14)Momentum oscillator 0–100 | 53.0 | 42.4 |
| Avg Volume (50D)Average daily shares traded | 197K | 24.5M |
AVAL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
ITUB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AVAL as "Hold" and ITUB as "Buy". For income investors, ITUB offers the higher dividend yield at 10.45% vs AVAL's 3.68%.
| Metric | AVALGrupo Aval Accion… | ITUBItaú Unibanco Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $6.38 |
| # AnalystsCovering analysts | 6 | 12 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +10.4% |
| Dividend StreakConsecutive years of raises | 0 | 4 |
| Dividend / ShareAnnual DPS | $613.37 | $4.23 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +0.7% |
ITUB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
ITUB leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). AVAL leads in 2 (Valuation Metrics, Risk & Volatility).
Best OverallItaú Unibanco Holding S.A. (ITUB)Leads 4 of 6 categories
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AVAL vs ITUB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AVAL or ITUB a better buy right now?
For growth investors, Itaú Unibanco Holding S.
A. (ITUB) is the stronger pick with 18. 0% revenue growth year-over-year, versus -3. 8% for Grupo Aval Acciones y Valores S. A. (AVAL). Itaú Unibanco Holding S. A. (ITUB) offers the better valuation at 10. 3x trailing P/E (1. 7x forward), making it the more compelling value choice. Analysts rate Itaú Unibanco Holding S. A. (ITUB) a "Buy" — based on 12 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 ITUB?
On trailing P/E, Itaú Unibanco Holding S.
A. (ITUB) is the cheapest at 10. 3x versus Grupo Aval Acciones y Valores S. A. at 19. 5x. On forward P/E, Grupo Aval Acciones y Valores S. A. is actually cheaper at 0. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AVAL or ITUB?
Over the past 5 years, Itaú Unibanco Holding S.
A. (ITUB) delivered a total return of +149. 0%, compared to +21. 8% for Grupo Aval Acciones y Valores S. A. (AVAL). Over 10 years, the gap is even starker: ITUB returned +188. 7% 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 ITUB?
By beta (market sensitivity over 5 years), Grupo Aval Acciones y Valores S.
A. (AVAL) is the lower-risk stock at 0. 91β versus Itaú Unibanco Holding S. A. 's 1. 11β — meaning ITUB is approximately 22% more volatile than AVAL relative to the S&P 500. On balance sheet safety, Grupo Aval Acciones y Valores S. A. (AVAL) carries a lower debt/equity ratio of 2% versus 5% for Itaú Unibanco Holding S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — AVAL or ITUB?
By revenue growth (latest reported year), Itaú Unibanco Holding S.
A. (ITUB) is pulling ahead at 18. 0% versus -3. 8% for Grupo Aval Acciones y Valores S. A. (AVAL). 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 4. 0% for Itaú Unibanco Holding 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 ITUB?
Itaú Unibanco Holding S.
A. (ITUB) is the more profitable company, earning 11. 7% net margin versus 2. 7% for Grupo Aval Acciones y Valores S. A. — meaning it keeps 11. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ITUB leads at 13. 1% versus 8. 5% for AVAL. At the gross margin level — before operating expenses — ITUB leads at 34. 5%, 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 ITUB more undervalued right now?
On forward earnings alone, Grupo Aval Acciones y Valores S.
A. (AVAL) trades at 0. 0x forward P/E versus 1. 7x for Itaú Unibanco Holding S. A. — 1. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — AVAL or ITUB?
All stocks in this comparison pay dividends.
Itaú Unibanco Holding S. A. (ITUB) offers the highest yield at 10. 4%, versus 3. 7% for Grupo Aval Acciones y Valores S. A. (AVAL).
09Is AVAL or ITUB 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). Both have compounded well over 10 years (AVAL: +12. 1%, ITUB: +188. 7%), 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 ITUB?
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.
In terms of investment character: AVAL is a small-cap income-oriented stock; ITUB is a mid-cap high-growth stock. 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% · ITUB: 18.0%)Net Margin>
%
(AVAL: 2.7% · ITUB: 11.7%)P/E Ratio<
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