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 V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$616.45B
5Y Perf.+64.6%
AVAL vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AVAL | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $5.34B | $616.45B |
| Revenue (TTM) | $36.97T | $40.00B |
| Net Income (TTM) | $1.66T | $22.24B |
| Gross Margin | 30.6% | 80.4% |
| Operating Margin | 8.5% | 60.0% |
| Forward P/E | 0.0x | 24.6x |
| Total Debt | $71.36T | $25.17B |
| Cash & Equiv. | $15.53T | $20.15B |
AVAL vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AVAL
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Grupo Aval Acciones… (AVAL) | 100 | 102.5 | +2.5% |
| Visa Inc. (V) | 100 | 164.6 | +64.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AVAL vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V 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 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 is the clearest fit if your priority is value and dividends.
- Lower P/E (0.0x vs 24.6x)
- 3.7% yield, vs V's 0.7%
- +65.6% vs V's -7.4%
Best for: value and dividends
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 329.1% 10Y total return vs AVAL's 12.1%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs AVAL's -3.8% |
| Value | AVAL | Lower P/E (0.0x vs 24.6x) |
| Quality / Margins | V | Efficiency ratio 0.2% vs AVAL's 0.2% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs AVAL's 0.91, lower leverage |
| Dividends | AVAL | 3.7% yield, vs V's 0.7% |
| Momentum (1Y) | AVAL | +65.6% vs V's -7.4% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs AVAL's 0.2% |
AVAL vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
AVAL vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGAVAL
AVALGrupo Aval Acciones y…
2leads
VVisa Inc.
3leads
6 Total Categories
CATEGORYLEADERvs AVALMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
AVAL5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
AVAL4/6
Risk & VolatilityBeta, volatility, and downside exposure
V2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
AVAL is the larger business by revenue, generating $36.97T annually — 924.3x V's $40.0B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to AVAL's 2.7%.
| Metric | AVALGrupo Aval Accion… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $36.97T | $40.0B |
| EBITDAEarnings before interest/tax | $5.08T | $27.6B |
| Net IncomeAfter-tax profit | $1.66T | $22.2B |
| Free Cash FlowCash after capex | -$480.9B | $21.2B |
| Gross MarginGross profit ÷ Revenue | +30.6% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +8.5% | +60.0% |
| Net MarginNet income ÷ Revenue | +2.7% | +50.1% |
| FCF MarginFCF ÷ Revenue | -39.8% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.9% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
AVAL leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 19.5x trailing earnings, AVAL trades at a 38% valuation discount to V's 31.5x P/E. On an enterprise value basis, AVAL's 17.1x EV/EBITDA is more attractive than V's 24.6x.
| Metric | AVALGrupo Aval Accion… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $5.3B | $616.4B |
| Enterprise ValueMkt cap + debt − cash | $20.4B | $621.5B |
| Trailing P/EPrice ÷ TTM EPS | 19.48x | 31.50x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.00x | 24.59x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.99x |
| EV / EBITDAEnterprise value multiple | 17.14x | 24.65x |
| Price / SalesMarket cap ÷ Revenue | 0.54x | 15.41x |
| Price / BookPrice ÷ Book value/share | 0.60x | 16.66x |
| Price / FCFMarket cap ÷ FCF | — | 28.57x |
AVAL leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
V leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $5 for AVAL. V carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to AVAL's 2.15x. On the Piotroski fundamental quality scale (0–9), V scores 5/9 vs AVAL's 4/9, reflecting solid financial health.
| Metric | AVALGrupo Aval Accion… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +4.8% | +58.9% |
| ROA (TTM)Return on assets | +0.5% | +22.7% |
| ROICReturn on invested capital | +2.4% | +29.2% |
| ROCEReturn on capital employed | +2.6% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 2.15x | 0.66x |
| Net DebtTotal debt minus cash | $55.83T | $5.0B |
| Cash & Equiv.Liquid assets | $15.53T | $20.2B |
| Total DebtShort + long-term debt | $71.36T | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.23x | 26.72x |
V leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
AVAL leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,262 today (with dividends reinvested), compared to $12,179 for AVAL. Over the past 12 months, AVAL leads with a +65.6% total return vs V's -7.4%. The 3-year compound annual growth rate (CAGR) favors AVAL at 26.4% vs V's 12.2% — a key indicator of consistent wealth creation.
| Metric | AVALGrupo Aval Accion… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +12.5% | -7.1% |
| 1-Year ReturnPast 12 months | +65.6% | -7.4% |
| 3-Year ReturnCumulative with dividends | +102.1% | +41.2% |
| 5-Year ReturnCumulative with dividends | +21.8% | +42.6% |
| 10-Year ReturnCumulative with dividends | +12.1% | +329.1% |
| CAGR (3Y)Annualised 3-year return | +26.4% | +12.2% |
AVAL leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
V leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than AVAL's 0.91 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | AVALGrupo Aval Accion… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.91x | 0.68x |
| 52-Week HighHighest price in past year | $5.28 | $375.51 |
| 52-Week LowLowest price in past year | $2.61 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +85.2% | +85.6% |
| RSI (14)Momentum oscillator 0–100 | 53.0 | 53.3 |
| Avg Volume (50D)Average daily shares traded | 197K | 6.9M |
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — AVAL and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AVAL as "Hold" and V as "Buy". For income investors, AVAL offers the higher dividend yield at 3.68% vs V's 0.73%.
| Metric | AVALGrupo Aval Accion… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $362.45 |
| # AnalystsCovering analysts | 6 | 61 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +0.7% |
| Dividend StreakConsecutive years of raises | 0 | 15 |
| Dividend / ShareAnnual DPS | $613.37 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +2.2% |
Evenly matched — AVAL and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). AVAL leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Best OverallVisa Inc. (V)Leads 3 of 6 categories
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AVAL vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AVAL or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus -3. 8% for Grupo Aval Acciones y Valores S. A. (AVAL). 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 Visa Inc. (V) a "Buy" — based on 61 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 V?
On trailing P/E, Grupo Aval Acciones y Valores S.
A. (AVAL) is the cheapest at 19. 5x versus Visa Inc. at 31. 5x. 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 V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 6%, compared to +21. 8% for Grupo Aval Acciones y Valores S. A. (AVAL). Over 10 years, the gap is even starker: V returned +329. 1% 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 V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Grupo Aval Acciones y Valores S. A. 's 0. 91β — meaning AVAL is approximately 34% more volatile than V relative to the S&P 500. On balance sheet safety, Visa Inc. (V) carries a lower debt/equity ratio of 66% versus 2% for Grupo Aval Acciones y Valores S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — AVAL or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% 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. 8% for Visa Inc.. 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 V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 2. 7% for Grupo Aval Acciones y Valores S. A. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 8. 5% for AVAL. At the gross margin level — before operating expenses — V leads at 80. 4%, 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 V more undervalued right now?
On forward earnings alone, Grupo Aval Acciones y Valores S.
A. (AVAL) trades at 0. 0x forward P/E versus 24. 6x for Visa Inc. — 24. 6x cheaper on a one-year earnings basis.
08Which pays a better dividend — AVAL or V?
All stocks in this comparison pay dividends.
Grupo Aval Acciones y Valores S. A. (AVAL) offers the highest yield at 3. 7%, versus 0. 7% for Visa Inc. (V).
09Is AVAL or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +329. 1% 10Y return). Both have compounded well over 10 years (V: +329. 1%, AVAL: +12. 1%), 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 V?
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; V is a large-cap quality compounder 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% · V: 11.3%)Net Margin>
%
(AVAL: 2.7% · V: 50.1%)P/E Ratio<
x
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