Grupo Aval Acciones y Valores S.A.(AVAL)Earnings, Financials & Key Ratios
AVAL•NYSE•Banking & Credit
$5.08
12.9× P/E·Price updated Jun 27, 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$7107.14B-2.2%
- Total Revenue$42329.73B+14.5%
- Net Income$1603.66B+58.0%
- Return on Equity4.73%+50.6%
- Net Interest Margin2.04%-8.0%
- Efficiency Ratio41.78%+89.2%
- ROA0.47%+46.9%
- Equity / Assets9.96%-1.6%
- Book Value per Share29233.91+4.7%
AVAL Price & Volume
Grupo Aval Acciones y Valores S.A. (AVAL) stock price & volume — 10-year historical chart
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Persistent Margin Compression Challenges Grupo Aval Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Colombian macro credit sensitivity
Key Thesis Takeaways
- Grupo Aval faces a challenging macroeconomic environment in Colombia, characterized by stagnant net interest income and persistent margin compression that limits profitability.
- While the bank maintains a stable equity-to-assets ratio of 0.10, the ongoing reliance on high loan loss provisions, which have consistently hovered between $1.0T and $1.5T, suggests continued credit quality stress.
- Investors should monitor the bank's ability to improve its efficiency ratio, which spiked to 43.5% in 2025Q4, as it navigates a shift toward a larger investment securities portfolio currently valued at $255.5T.
Verdict Logic
the bank's valuation at a 0.60 P/B ratio reflects significant credit risk concerns, evidenced by the persistent $1.0T to $1.5T quarterly provisioning burden.
AVAL Growth Metrics
Grupo Aval Acciones y Valores S.A. (AVAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.52%
5 Years30.48%
3 Years14.85%
TTM-
Profit CAGR
10 Years-2.38%
5 Years-7.35%
3 Years-13.56%
TTM34.04%
EPS CAGR
10 Years-4.17%
5 Years-0.71%
3 Years-6.12%
TTM34.22%
Return on Capital
10 Years4.98%
5 Years2.78%
3 Years1.84%
Last Year1.14%
AVAL Recent Earnings
Grupo Aval Acciones y Valores S.A. (AVAL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (27%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$0.08
—
Rev
$1.3B+5.6%
$1.2B
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.12+20.0%
$0.10
Rev
$1.2B-6.0%
$1.2B
Q4 2025
Nov 13, 2025Metric
Actual
Est
EPS
$0.11+10.0%
$0.10
Rev
$2.4B+95.6%
$1.2B
Q3 2025
Aug 12, 2025Metric
Actual
Est
EPS
$0.10+0.0%
$0.10
Rev
$2.3B+108.6%
$1.1B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $0.08 | $1.3Bvs $1.2B+5.6% |
| Q1 2026 | Feb 26, 2026 | $0.12vs $0.10+20.0% | $1.2Bvs $1.2B-6.0% |
| 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% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Grupo Aval Acciones y Valores S.A. (AVAL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $5.08 | $6.03B | 12.91 | 14.49% | 3.79% | 4.73% | 2.82% | |
| $79.27 | $18.81B | 9.56 | 0.02% | 16.1% | 16.96% | — | |
| $8.23 | $90.71B | 10.86 | 18.03% | 11.91% | 20.77% | — | |
| $3.46 | $36.59B | 8.19 | 37.11% | 6.32% | 12.84% | — | |
| $19.23 | $3.93B | 18.42 | 8.34% | 4.88% | 8.96% | — | |
| $91.44 | $5.85B | 25.59 | -10.04% | 7.8% | 0.03% | — |
Compare AVAL vs Peers
Grupo Aval Acciones y Valores S.A. (AVAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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AVAL Frequently Asked Questions
Grupo Aval Acciones y Valores S.A. (AVAL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Grupo Aval Acciones y Valores S.A. growing?
Grupo Aval Acciones y Valores S.A. (AVAL) grew revenue by 14.5% over the past year. This is steady growth.
Is AVAL profitable?
Yes, Grupo Aval Acciones y Valores S.A. (AVAL) is profitable, generating $1.69T in net income for fiscal year 2025 (3.8% net margin).
Dividend & Returns
Does AVAL pay dividends?
Yes, Grupo Aval Acciones y Valores S.A. (AVAL) pays a dividend with a yield of 2.82%. This makes it attractive for income-focused investors.
What is AVAL's return on equity?
Grupo Aval Acciones y Valores S.A. (AVAL) has a return on equity (ROE) of 4.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is Grupo Aval Acciones y Valores S.A.'s net interest margin?
Grupo Aval Acciones y Valores S.A. (AVAL) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
What is Grupo Aval Acciones y Valores S.A.'s efficiency ratio?
Grupo Aval Acciones y Valores S.A. (AVAL) has an efficiency ratio of 41.8%. This is excellent, indicating strong cost control.