Grupo Aval Acciones y Valores S.A.(AVAL)Earnings, Financials & Key Ratios
AVAL•NYSE•Banking & Credit
$4.55
$5.4B mkt cap·19.7× P/E·Price updated May 6, 2026
AboutGrupo 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.Show more
- Net Interest Income$7267.6B+15.6%
- Total Revenue$36973.87B-3.8%
- Net Income$1015.09B+37.4%
- Return on Equity3.14%+32.4%
- Net Interest Margin2.22%+6.2%
- Efficiency Ratio22.09%+12.2%
- ROA0.32%+30.3%
- Equity / Assets10.11%-3.4%
- Book Value per Share27934.34+5.2%
- Tangible BV/Share11680.20+3.6%
- Debt/Equity2.15+8.0%
AVAL Key Insights
Grupo Aval Acciones y Valores S.A. (AVAL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 22.1% efficiency ratio
- ✓Well capitalized: 10.1% equity/assets
- ✓Healthy dividend yield of 3.6%
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗High debt to equity ratio of 2.2x
- ✗Weak 3Y average ROE of 4.2%
- ✗Profits declining 19.7% over 5 years
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
AVAL Price & Volume
Grupo Aval Acciones y Valores S.A. (AVAL) stock price & volume — 10-year historical chart
Loading chart...
AVAL Growth Metrics
Grupo Aval Acciones y Valores S.A. (AVAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.04%
5 Years4.41%
3 Years21.39%
TTM-
Profit CAGR
10 Years-5.65%
5 Years-19.67%
3 Years-32.48%
TTM103.13%
EPS CAGR
10 Years-6.1%
5 Years-20.44%
3 Years-24.08%
TTM99.48%
Return on Capital
10 Years5.61%
5 Years3.77%
3 Years2.45%
Last Year2.65%
AVAL Recent Earnings
Grupo Aval Acciones y Valores S.A. (AVAL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 6/12 qtrs (55%)
Q1 2026Latest
Feb 26, 2026EPS
$0.12
Est $0.10
+20.0%
Revenue
$1.2B
Est $1.2B
-3.5%
Q4 2025
Nov 13, 2025EPS
$0.11
Est $0.10
+10.0%
Revenue
$2.4B
Est $1.2B
+95.6%
Q3 2025
Aug 12, 2025EPS
$0.10
Est $0.10
+0.0%
Revenue
$2.3B
Est $1.1B
+108.6%
Q2 2025
May 12, 2025EPS
$0.07
Est $0.10
-30.0%
Revenue
$2.2B
Est $1.1B
+96.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $0.12vs $0.10+20.0% | $1.2Bvs $1.2B-3.5% |
| Q4 2025 | Nov 13, 2025 | $0.11vs $0.10+10.0% | $2.4Bvs $1.2B+95.6% |
| Q3 2025 | Aug 12, 2025 | $0.10vs $0.10+0.0% | $2.3Bvs $1.1B+108.6% |
| Q2 2025 | May 12, 2025 | $0.07vs $0.10-30.0% | $2.2Bvs $1.1B+96.1% |
Based on last 12 quarters of dataView full earnings history →
AVAL Peer Comparison
Grupo Aval Acciones y Valores S.A. (AVAL) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CIB | 15.86B | 66.84 | 8.69 | 0.02% | 17.21% | 0.47 | ||
 ITUB | 93.13B | 8.45 | 10.62 | 18.03% | 20.64% | 4.71 | ||
 BBD | 40.84B | 3.86 | 8.70 | 37.11% | 13.25% | 4.46 | ||
 BBAR | 3.19B | 15.62 | 12.59 | -31.12% | 9.12% | 0.13 | ||
 BMA | 4.84B | 76.97 | 21.07 | -33.31% | 6.12% | 0.11 | ||
 GGAL | 5.76B | 43.44 | 5.10 | -23.52% | 12.91% | 0.36 | ||
 SAN | 182.01B | 12.40 | 12.14 | -7.71% | 12.76% | 4.40 | ||
 BAP | 25.92B | 326.55 | 16.48 | 6.4% | 17.35% | 1.07 |
Compare AVAL vs Peers
Grupo Aval Acciones y Valores S.A. (AVAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AVAL Income Statement
Grupo Aval Acciones y Valores S.A. (AVAL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 9.15T | 10.51T | 10.87T | 11.29T | 7.41T | 8.13T | 7.74T | 6.29T | 7.27T | 7.82T |
| NII Growth % | 9.98% | 14.85% | 3.4% | 3.81% | -34.3% | 9.66% | -4.82% | -18.76% | 15.6% | 62.88% |
| Net Interest Margin % | 4.09% | 4.44% | 4.19% | 4.05% | 2.3% | 2.22% | 2.62% | 2.09% | 2.22% | 2.27% |
| Interest Income | 17.55T | 18.74T | 18.36T | 19.55T | 13.22T | 12.79T | 19.4T | 28.92T | 28.18T | 26.86T |
| Interest Expense | 8.39T | 8.23T | 7.48T | 8.27T | 5.8T | 4.66T | 11.66T | 22.63T | 20.91T | 19.04T |
| Loan Loss Provision | 3T | 4.12T | 4.15T | 4.19T | -5.8T | 3.19T | 3.12T | 4.75T | 4.76T | 4.43T |
| Non-Interest Income | 7.12T | 7.32T | 9.37T | 10.25T | -2.02T | 7.88T | 8.54T | 9.52T | 8.79T | 9.66T |
| Non-Interest Income % | 28.87% | 28.09% | 33.79% | 34.39% | -18.06% | 38.12% | 30.56% | 24.76% | 23.78% | 26.45% |
| Total Revenue | 24.67T▲ 0% | 26.06T▲ 5.7% | 27.73T▲ 6.4% | 29.8T▲ 7.5% | 11.19T▼ 62.4% | 20.67T▲ 84.7% | 27.94T▲ 35.2% | 38.44T▲ 37.6% | 36.97T▼ 3.8% | 36.52T▲ 0% |
| Revenue Growth % | 20.28% | 5.65% | 6.39% | 7.49% | -62.44% | 84.65% | 35.18% | 37.55% | -3.8% | -13.86% |
| Non-Interest Expense | 7.7T | 8.8T | 8.76T | 9.89T | 4.9T | 6.45T | 6.88T | 7.57T | 8.17T | 8.75T |
| Efficiency Ratio | 31.2% | 33.77% | 31.59% | 33.18% | 43.76% | 31.22% | 24.63% | 19.68% | 22.09% | 23.96% |
| Operating Income | 5.57T▲ 0% | 4.92T▼ 11.8% | 7.33T▲ 49.2% | 7.45T▲ 1.6% | 6.3T▼ 15.5% | 6.36T▲ 1.1% | 6.27T▼ 1.4% | 3.49T▼ 44.4% | 3.14T▼ 10.0% | 4.3T▲ 0% |
| Operating Margin % | 22.6% | 18.86% | 26.45% | 25% | 56.24% | 30.79% | 22.45% | 9.07% | 8.49% | 11.77% |
| Operating Income Growth % | 6.68% | -11.82% | 49.21% | 1.6% | -15.52% | 1.1% | -1.42% | -44.42% | -10.03% | - |
| Pretax Income | 5.57T▲ 0% | 4.92T▼ 11.8% | 7.33T▲ 49.2% | 7.45T▲ 1.6% | 4.84T▼ 35.0% | 6.36T▲ 31.4% | 6.27T▼ 1.4% | 3.49T▼ 44.4% | 3.14T▼ 10.0% | 4.3T▲ 0% |
| Pretax Margin % | 22.6% | 18.86% | 26.45% | 25% | 43.25% | 30.79% | 22.45% | 9.07% | 8.49% | 11.77% |
| Income Tax | 2.06T | 1.75T | 2.15T | 2.09T | 1.36T | 2.32T | 2.27T | 1.31T | 946.43B | 1.18T |
| Effective Tax Rate % | 36.9% | 35.66% | 29.31% | 28% | 28.09% | 36.51% | 36.2% | 37.57% | 30.16% | 27.5% |
| Net Income | 2.14T▲ 0% | 1.96T▼ 8.3% | 2.91T▲ 48.4% | 3.03T▲ 4.2% | 2.35T▼ 22.6% | 3.3T▲ 40.4% | 2.48T▼ 24.7% | 739B▼ 70.2% | 1.02T▲ 37.4% | 1.66T▲ 0% |
| Net Margin % | 8.67% | 7.53% | 10.51% | 10.18% | 20.99% | 15.95% | 8.89% | 1.92% | 2.75% | 4.54% |
| Net Income Growth % | 4.83% | -8.29% | 48.42% | 4.18% | -22.57% | 40.36% | -24.71% | -70.24% | 37.36% | 103.13% |
| Net Income (Continuing) | 3.52T | 3.16T | 5.18T | 5.37T | 3.48T | 4.04T | 4T | 2.18T | 2.19T | 3.12T |
| EPS (Diluted) | 2089.00▲ 0% | 1965.60▼ 5.9% | 2888.80▲ 47.0% | 2685.00▼ 7.1% | 1399.60▼ 47.9% | 1956.00▲ 39.8% | 1632.40▼ 16.5% | 622.40▼ 61.9% | 856.00▲ 37.5% | 1397.26▲ 0% |
| EPS Growth % | 1.03% | -5.91% | 46.97% | -7.05% | -47.87% | 39.75% | -16.54% | -61.87% | 37.53% | 99.48% |
| EPS (Basic) | 2089.00 | 1965.60 | 2888.80 | 2685.00 | 1399.60 | 1956.00 | 1632.40 | 622.40 | 856.00 | - |
| Diluted Shares Outstanding | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B | 1.11B | 1.16B | 1.19B | 1.19B | 1.19B |
AVAL Balance Sheet
Grupo Aval Acciones y Valores S.A. (AVAL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 40.58T | 40.58T | 28.15T | 30.07T | 33.95T | 35.62T | 15.9T | 41.82T | 44T | 193.22T |
| Cash & Due from Banks | 22.19T | 21.97T | 28.15T | 30.07T | 33.95T | 35.62T | 15.9T | 17.38T | 15.53T | 18.08T |
| Short Term Investments | 18.39T | 18.61T | 0 | 0 | 0 | 0 | 0 | 24.44T | 28.47T | 32.7T |
| Total Investments | 175.97T | 183.47T | 192.92T | 202.22T | 234.16T | 267.55T | 216.37T | 210.9T | 227.77T | 267.33T |
| Investments Growth % | 4.75% | 4.26% | 5.15% | 4.82% | 15.8% | 14.26% | -19.13% | -2.53% | 8% | 21271.46% |
| Long-Term Investments | 157.58T | 164.85T | 192.92T | 202.22T | 234.16T | 267.55T | 216.37T | 186.46T | 199.3T | 883.8T |
| Accounts Receivables | 1.86T | 1.81T | 2.23T | 2.2T | 2.28T | 0 | 0 | 0 | 0 | 26.72T |
| Goodwill & Intangibles | 10.37T | 10.86T | 13.87T | 16.08T | 18.53T | 21.47T | 17.53T | 18.14T | 19.3T | 19.21T |
| Goodwill | 6.82T | 6.9T | 7.32T | 7.35T | 7.71T | 8.49T | 2.25T | 2.2T | 2.22T | 2.21T |
| Intangible Assets | 3.54T | 3.96T | 6.55T | 8.73T | 10.81T | 12.98T | 15.28T | 15.94T | 17.07T | 17T |
| PP&E (Net) | 5.95T | 5.87T | 5.75T | 8.02T | 8.17T | 8.25T | 0 | 6.09T | 6.27T | 6.12T |
| Other Assets | 5.29T | 6.8T | 8.76T | 9.6T | 11.3T | 11.61T | -165.41T | 19.18T | 26.25T | 1.55T |
| Total Current Assets | 44.69T | 48.01T | 38.04T | 42.66T | 49.88T | 56.26T | 74.09B | 70.04T | 75.11T | 81.12T |
| Total Non-Current Assets | 179.38T | 188.53T | 221.63T | 236.17T | 273.02T | 310.64T | 68.49T | 231.15T | 252.75T | 262.72T |
| Total Assets | 224.07T▲ 0% | 236.54T▲ 5.6% | 259.68T▲ 9.8% | 278.83T▲ 7.4% | 322.9T▲ 15.8% | 366.9T▲ 13.6% | 295.59T▼ 19.4% | 301.18T▲ 1.9% | 327.86T▲ 8.9% | 343.84T▲ 0% |
| Asset Growth % | 3.41% | 5.56% | 9.78% | 7.38% | 15.8% | 13.63% | -19.44% | 1.89% | 8.86% | 29.61% |
| Return on Assets (ROA) | 0.97% | 0.85% | 1.17% | 1.13% | 0.78% | 0.96% | 0.75% | 0.25% | 0.32% | 0.48% |
| Accounts Payable | 1.61T | 1.82T | 1.85T | 1.88T | 2.66T | 3.23T | 2.8T | 3.47T | 3.25T | 0 |
| Total Debt | 46.33T | 45.98T | 51.91T | 55.64T | 59.49T | 74.09T | 72.12T | 62.82T | 71.36T | 76.11T |
| Net Debt | 24.14T | 24.02T | 23.76T | 25.57T | 25.54T | 38.46T | 56.22T | 45.45T | 55.83T | 58.03T |
| Long-Term Debt | 45.52T | 45.28T | 51.21T | 54.84T | 58.62T | 73.28T | 72.12T | 59.01T | 66.93T | 76.11T |
| Short-Term Debt | 802.27B | 697.58B | 690.2B | 789.68B | 864.5B | 806.07B | 0 | 1.03T | 1.57T | 0 |
| Other Liabilities | 5.7T | 5.98T | 8.5T | 8.1T | 9.7T | 10.76T | -71.86T | 15.3T | 13.07T | 13.35T |
| Total Current Liabilities | 146.94T | 157.7T | 167.71T | 179.12T | 215.37T | 238.5T | 4.09T | 186.49T | 205.69T | 214.05T |
| Total Non-Current Liabilities | 52.48T | 52.97T | 62.41T | 66.36T | 72.09T | 88.93T | 261.14B | 83.17T | 89T | 95.16T |
| Total Liabilities | 199.41T | 210.67T | 230.12T | 245.48T | 287.46T | 327.43T | 264.77T | 269.66T | 294.7T | 309.2T |
| Total Equity | 24.66T▲ 0% | 25.87T▲ 4.9% | 29.55T▲ 14.2% | 33.35T▲ 12.8% | 35.44T▲ 6.3% | 39.47T▲ 11.4% | 30.82T▼ 21.9% | 31.52T▲ 2.3% | 33.16T▲ 5.2% | 34.64T▲ 0% |
| Equity Growth % | 7.65% | 4.92% | 14.24% | 12.84% | 6.27% | 11.38% | -21.91% | 2.27% | 5.21% | 22.07% |
| Equity / Assets (Capital Ratio) | 11% | 10.94% | 11.38% | 11.96% | 10.98% | 10.76% | 10.43% | 10.47% | 10.11% | 10.07% |
| Return on Equity (ROE) | 9% | 7.77% | 10.51% | 9.65% | 6.83% | 8.8% | 7.06% | 2.37% | 3.14% | 4.79% |
| Book Value per Share | 22134.74 | 23222.66 | 26528.72 | 29934.24 | 31811.44 | 35430.74 | 26636.46 | 26550.80 | 27934.34 | 29175.17 |
| Tangible BV per Share | 12830.59 | 13470.95 | 14081.39 | 15503.51 | 15182.89 | 16158.09 | 11485.87 | 11269.20 | 11680.20 | 12993.46 |
| Common Stock | 22.28B | 22.28B | 22.28B | 22.28B | 22.28B | 22.28B | 23.74B | 23.74B | 23.74B | 18.41T |
| Additional Paid-in Capital | 8.31T | 8.3T | 8.47T | 8.45T | 8.47T | 8.49T | 9.57T | 9.57T | 9.51T | 0 |
| Retained Earnings | 6.52T | 7.17T | 8.6T | 10.29T | 11.3T | 13.38T | 8.02T | 7.73T | 8.16T | 0 |
| Accumulated OCI | 749.62B | 786.87B | 696.77B | 1.09T | 862.01B | 1.12T | -1.15T | -544.22B | -243.98B | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 7.03B | 15.17B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
AVAL Cash Flow Statement
Grupo Aval Acciones y Valores S.A. (AVAL) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.49T | 5.11T | 8.73T | 5.63T | 10.02T | 5.9T | -19.45T | -9.35T | -14.04T | -14.04T |
| Operating CF Growth % | -78.11% | 105.56% | 70.93% | -35.46% | 77.83% | -41.11% | -429.58% | 51.95% | -50.23% | 172.95% |
| Net Income | 5.57T | 4.92T | 7.33T | 7.45T | 6.48T | 8.52T | 2.48T | 739B | 1.02T | 1.66T |
| Depreciation & Amortization | 779.53B | 901.71B | 957.17B | 1.3T | 1.4T | 1.45T | 1.09T | 1.15T | 1.27T | 336.91B |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -2.47T | 1.46T | -1.59T | -2.61T | -3.03T | -3.39T | -2.55T | -3.67T | -5T | 2.13T |
| Working Capital Changes | -1.4T | -2.17T | 2.03T | -509.06B | 5.18T | -672.72B | -20.47T | -7.56T | -11.34T | -3.97T |
| Cash from Investing | -952.87B | -3.61T | -3.05T | -3.06T | -7.59T | -6.6T | -13.01T | 1.84T | -3.14T | -25.09T |
| Purchase of Investments | -2.67T | -5.94T | -20.27T | -29.06T | -40.8T | -47.04T | 0 | 0 | 0 | -27.84T |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 | 0 | 3M |
| Net Investment Activity | -2.67T | -5.94T | -20.27T | -29.06T | -40.8T | -47.04T | 0 | 0 | 0 | -27.84T |
| Acquisitions | -2.71B | 40.09B | 0 | -608.74B | -1.34T | -1.08T | 0 | 0 | 0 | 3M |
| Other Investing | -116.16B | 299B | 399.48B | 1.24T | -539.56B | 1.73T | -12.46T | 2.46T | -2.48T | -15.27T |
| Cash from Financing | 66.86B | -1.45T | -997.56B | -895.99B | 404.45B | -1.35T | 9.26T | 11.82T | 13.46T | 25.53T |
| Dividends Paid | -1.26T | -1.31T | -1.13T | -1.27T | -1.33T | -1.23T | -414.27B | -766.54B | -728.18B | -646.61B |
| Share Repurchases | -238M | 0 | -67.16B | -67.1B | -51B | -29.75B | -15.01B | 0 | -55B | -55B |
| Stock Issued | -238M | 0 | 988.07B | 0 | 0 | 120M | 0 | 0 | 0 | 0 |
| Net Stock Activity | -476M | 0 | 920.91B | -67.1B | -51B | -29.63B | -15.01B | 0 | -55B | -55B |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 2M |
| Other Financing | -744.15B | -772.87B | -745.93B | -804.3B | -946.03B | -913.24B | 17.22T | 14.44T | 14.16T | 17.79T |
| Net Change in Cash | -91.97B▲ 0% | 143.83B▲ 256.4% | 6.06T▲ 4116.3% | 1.72T▼ 71.7% | 3.91T▲ 127.8% | 2.62T▼ 33.0% | -19.61T▼ 849.2% | 1.57T▲ 108.0% | -1.6T▼ 202.2% | -2.15T▲ 0% |
| Exchange Rate Effect | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -2M |
| Cash at Beginning | 22.28T | 22.19T | 22.34T | 28.4T | 30.12T | 34.03T | 36.64T | 17.03T | 18.6T | 0 |
| Cash at End | 22.19T | 22.34T | 28.4T | 30.12T | 34.03T | 36.64T | 17.03T | 18.6T | 17T | 0 |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 10.75T | 0 | 21.65T | 4.53T |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 850.87B▲ 0% | 3.73T▲ 338.4% | 7.31T▲ 95.9% | 3.91T▼ 46.5% | 7.99T▲ 104.4% | 3.65T▼ 54.4% | -20T▼ 648.6% | -9.96T▲ 50.2% | -14.7T▼ 47.6% | -480.93B▲ 0% |
| FCF Growth % | -90.82% | 338.43% | 95.88% | -46.52% | 104.37% | -54.36% | -648.61% | 50.19% | -47.6% | 96.32% |
AVAL Banking Ratios
Grupo Aval Acciones y Valores S.A. (AVAL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9% | 7.77% | 10.51% | 9.65% | 6.83% | 8.8% | 7.06% | 2.37% | 3.14% | 4.79% |
| Return on Assets (ROA) | 0.97% | 0.85% | 1.17% | 1.13% | 0.78% | 0.96% | 0.75% | 0.25% | 0.32% | 0.48% |
| Net Interest Margin | 4.09% | 4.44% | 4.19% | 4.05% | 2.3% | 2.22% | 2.62% | 2.09% | 2.22% | 2.27% |
| Efficiency Ratio | 31.2% | 33.77% | 31.59% | 33.18% | 43.76% | 31.22% | 24.63% | 19.68% | 22.09% | 23.96% |
| Equity / Assets | 11% | 10.94% | 11.38% | 11.96% | 10.98% | 10.76% | 10.43% | 10.47% | 10.11% | 10.07% |
| Book Value / Share | 22.13K | 23.22K | 26.53K | 29.93K | 31.81K | 35.43K | 26.64K | 26.55K | 27.93K | 29.18K |
| NII Growth | 9.98% | 14.85% | 3.4% | 3.81% | -34.3% | 9.66% | -4.82% | -18.76% | 15.6% | 15.03% |
| Dividend Payout | 58.92% | 66.63% | 38.75% | 41.75% | 56.62% | 37.32% | 16.68% | 103.73% | 71.74% | 38.98% |
AVAL Frequently Asked Questions
Grupo Aval Acciones y Valores S.A. (AVAL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Grupo Aval Acciones y Valores S.A. (AVAL) saw revenue decline by 3.8% over the past year.
Yes, Grupo Aval Acciones y Valores S.A. (AVAL) is profitable, generating $1.66T in net income for fiscal year 2024 (2.7% net margin).
Dividend & Returns
Yes, Grupo Aval Acciones y Valores S.A. (AVAL) pays a dividend with a yield of 3.65%. This makes it attractive for income-focused investors.
Grupo Aval Acciones y Valores S.A. (AVAL) has a return on equity (ROE) of 3.1%. This is below average, suggesting room for improvement.
Industry Metrics
Grupo Aval Acciones y Valores S.A. (AVAL) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
Grupo Aval Acciones y Valores S.A. (AVAL) has an efficiency ratio of 22.1%. This is excellent, indicating strong cost control.
Explore More AVAL
Grupo Aval Acciones y Valores S.A. (AVAL) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates