Grupo Aval Acciones y Valores S.A. (AVAL) 10-Year Financial Performance & Capital Metrics

AVAL • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingLatin American Retail Banking

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 $11737.92B +0.2%
Net Income $1015.09B +37.4%
Return on Equity 3.14% +32.4%
Net Interest Margin 2.22% +6.2%
Efficiency Ratio 54.22% +6.1%
ROA 0.32% +30.3%
Equity / Assets 10.11% -3.4%
Book Value per Share 27934.34 +5.2%
Tangible BV/Share 11680.20 +3.6%
Debt/Equity 2.15 +8.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 54.2% efficiency ratio
✓Well capitalized: 10.1% equity/assets
✓Trading near 52-week high
✓Trading at only 0.0x 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
✗Weak Piotroski F-Score: 3/9

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-2.78%

5Y-17%

3Y-17.19%

TTM-

Profit (Net Income) CAGR

10Y-5.65%

5Y-19.67%

3Y-32.48%

TTM103.13%

EPS CAGR

10Y-6.1%

5Y-20.44%

3Y-24.08%

TTM99.48%

ROCE

10Y Avg5.91%

5Y Avg4.36%

3Y Avg3.45%

Latest4.54%

Peer Comparison

Latin American Retail Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FBPFirst BanCorp.	3.39B	21.44	11.85	6.16%	25.04%	16.62%	11.64%	0.34
OFGOFG Bancorp	1.84B	41.92	9.91	13%	24.09%	14.59%	11.44%	0.34
BSBRBanco Santander (Brasil) S.A.	46.17B	6.18	7.10	6.31%	10.36%	7.84%		1.13
BAPCredicorp Ltd.	25.3B	318.78	4.61	6.4%	20.38%	17.35%	53.01%	1.07
IFSIntercorp Financial Services Inc.	5.01B	45.00	3.95	0.75%	14.68%	16.41%		1.08
INTRInter & Co, Inc.	2.63B	8.15	3.94	27.12%	9.34%	12.37%	100%	1.31
BBDBanco Bradesco S.A.	18.54B	3.51	2.15	-2%	6.91%	12.1%		4.08
ITUBItaú Unibanco Holding S.A.	40.24B	7.44	1.97	6.27%	12.61%	19.74%		4.09

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	8.32T	9.15T	10.51T	10.87T	11.29T	7.41T	8.13T	7.74T	6.29T	7.27T
NII Growth %	0.2%	0.1%	0.15%	0.03%	0.04%	-0.34%	0.1%	-0.05%	-0.19%	0.16%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	14.08T	17.55T	18.74T	18.36T	19.55T	13.22T	12.79T	19.4T	28.92T	28.18T
Interest Expense	5.75T	8.39T	8.23T	7.48T	8.27T	5.8T	4.66T	11.66T	22.63T	20.91T
Loan Loss Provision	2.13T	3T	4.12T	4.15T	4.19T	-5.8T	3.19T	3.12T	-22.63T	-20.91T
Non-Interest Income+	6.43T	7.12T	7.32T	9.37T	10.25T	-2.02T	7.88T	8.54T	-17.21T	-16.44T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	20.51T	24.67T	26.06T	27.73T	29.8T	11.19T	20.67T	27.94T	11.71T	11.74T
Revenue Growth %	0.32%	0.2%	0.06%	0.06%	0.07%	-0.62%	0.85%	0.35%	-0.58%	0%
Non-Interest Expense	7.4T	7.7T	8.8T	8.76T	9.89T	4.9T	6.45T	6.88T	5.98T	6.36T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.22T	5.57T	4.92T	7.33T	7.45T	6.3T	6.36T	6.27T	5.73T	5.37T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.09%	0.07%	-0.12%	0.49%	0.02%	-0.16%	0.01%	-0.01%	-0.09%	-0.06%
Pretax Income+	5.22T	5.57T	4.92T	7.33T	7.45T	4.84T	6.36T	6.27T	3.49T	3.14T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.88T	2.06T	1.75T	2.15T	2.09T	1.36T	2.32T	2.27T	1.31T	946.43B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.04T	2.14T	1.96T	2.91T	3.03T	2.35T	3.3T	2.48T	739B	1.02T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.12%	0.05%	-0.08%	0.48%	0.04%	-0.23%	0.4%	-0.25%	-0.7%	0.37%
Net Income (Continuing)	3.35T	3.52T	3.16T	5.18T	5.37T	3.48T	4.04T	4T	2.18T	2.19T
EPS (Diluted)+	2067.80	2089.00	1965.60	2888.80	2685.00	1399.60	1956.00	1632.40	622.40	856.00
EPS Growth %	0.29%	0.01%	-0.06%	0.47%	-0.07%	-0.48%	0.4%	-0.17%	-0.62%	0.38%
EPS (Basic)	2067.80	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	1.11B	1.16B	1.19B	1.19B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	22.27T	22.19T	21.97T	28.15T	30.07T	33.95T	35.62T	15.9T	17.38T	15.53T
Short Term Investments	1000K	1000K	1000K	0	0	0	0	0	1000K	1000K
Total Investments+	167.99T	175.97T	183.47T	192.92T	202.22T	234.16T	267.55T	216.37T	210.9T	227.77T
Investments Growth %	0.2%	0.05%	0.04%	0.05%	0.05%	0.16%	0.14%	-0.19%	-0.03%	0.08%
Long-Term Investments	148.3T	157.58T	164.85T	192.92T	202.22T	234.16T	267.55T	216.37T	186.46T	199.3T
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	7.06T	6.82T	6.9T	7.32T	7.35T	7.71T	8.49T	2.25T	2.2T	2.22T
Intangible Assets	3T	3.54T	3.96T	6.55T	8.73T	10.81T	12.98T	15.28T	15.94T	17.07T
PP&E (Net)	5.98T	5.95T	5.87T	5.75T	8.02T	8.17T	8.25T	0	6.09T	6.27T
Other Assets	5.7T	5.29T	6.8T	8.76T	9.6T	11.3T	11.61T	-165.41T	19.18T	26.25T
Total Current Assets	45.72T	44.69T	48.01T	38.04T	42.66T	49.88T	56.26T	74.09B	70.04T	75.11T
Total Non-Current Assets	170.96T	179.38T	188.53T	221.63T	236.17T	273.02T	310.64T	68.49T	231.15T	252.75T
Total Assets+	216.68T	224.07T	236.54T	259.68T	278.83T	322.9T	366.9T	295.59T	301.18T	327.86T
Asset Growth %	0.21%	0.03%	0.06%	0.1%	0.07%	0.16%	0.14%	-0.19%	0.02%	0.09%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0%
Accounts Payable	1.45T	1.61T	1.82T	1.85T	1.88T	2.66T	3.23T	2.8T	3.47T	3.25T
Total Debt+	48.1T	46.33T	45.98T	51.91T	55.64T	59.49T	74.09T	72.12T	62.82T	71.36T
Net Debt	25.83T	24.14T	24.02T	23.76T	25.57T	25.54T	38.46T	56.22T	45.45T	55.83T
Long-Term Debt	47.3T	45.52T	45.28T	51.21T	54.84T	58.62T	73.28T	72.12T	59.01T	66.93T
Short-Term Debt	786.22B	802.27B	697.58B	690.2B	789.68B	864.5B	806.07B	0	1.03T	1.57T
Other Liabilities	7.04T	5.7T	5.98T	8.5T	8.1T	9.7T	10.76T	-71.86T	15.3T	13.07T
Total Current Liabilities	138.19T	146.94T	157.7T	167.71T	179.12T	215.37T	238.5T	4.09T	186.49T	205.69T
Total Non-Current Liabilities	55.58T	52.48T	52.97T	62.41T	66.36T	72.09T	88.93T	261.14B	83.17T	89T
Total Liabilities	193.77T	199.41T	210.67T	230.12T	245.48T	287.46T	327.43T	264.77T	269.66T	294.7T
Total Equity+	22.91T	24.66T	25.87T	29.55T	33.35T	35.44T	39.47T	30.82T	31.52T	33.16T
Equity Growth %	0.07%	0.08%	0.05%	0.14%	0.13%	0.06%	0.11%	-0.22%	0.02%	0.05%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.09%	0.09%	0.08%	0.11%	0.1%	0.07%	0.09%	0.07%	0.02%	0.03%
Book Value per Share	20561.25	22134.74	23222.66	26528.72	29934.24	31811.44	35430.74	26636.46	26550.80	27934.34
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	22.28B	22.28B	22.28B	22.28B	22.28B	22.28B	22.28B	23.74B	23.74B	23.74B
Additional Paid-in Capital	8.31T	8.31T	8.3T	8.47T	8.45T	8.47T	8.49T	9.57T	9.57T	9.51T
Retained Earnings	5.7T	6.52T	7.17T	8.6T	10.29T	11.3T	13.38T	8.02T	7.73T	8.16T
Accumulated OCI	538.13B	749.62B	786.87B	696.77B	1.09T	862.01B	1.12T	-1.15T	-544.22B	-243.98B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	7.01B	7.03B	15.17B	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	11.35T	2.49T	5.11T	8.73T	5.63T	10.02T	5.9T	-19.45T	6.01T	-14.04T
Operating CF Growth %	0.74%	-0.78%	1.06%	0.71%	-0.35%	0.78%	-0.41%	-4.3%	1.31%	-3.34%
Net Income	5.22T	5.57T	4.92T	7.33T	7.45T	6.48T	8.52T	2.48T	3.49T	1.02T
Depreciation & Amortization	776.02B	779.53B	901.71B	957.17B	1.3T	1.4T	1.45T	1.09T	1.15T	1.27T
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	3.98T	-2.47T	1.46T	-1.59T	-2.61T	-3.03T	-3.39T	-2.55T	-3.66T	-5T
Working Capital Changes	1.37T	-1.4T	-2.17T	2.03T	-509.06B	5.18T	-672.72B	-20.47T	5.03T	-11.34T
Cash from Investing+	-6.75T	-952.87B	-3.61T	-3.05T	-3.06T	-7.59T	-6.6T	-13.01T	1.84T	-3.14T
Purchase of Investments	-7.76T	-2.67T	-5.94T	-20.27T	-29.06T	-40.8T	-47.04T	0	-32.37T	0
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	0	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-2.71B	40.09B	0	-608.74B	-1.34T	-1.08T	0	-2.29B	0
Other Investing	1.97T	-116.16B	299B	399.48B	1.24T	-539.56B	1.73T	-12.46T	908.51B	-2.48T
Cash from Financing+	-2.81T	66.86B	-1.45T	-997.56B	-895.99B	404.45B	-1.35T	9.26T	-3.54T	13.46T
Dividends Paid	-1.28T	-1.26T	-1.31T	-1.13T	-1.27T	-1.33T	-1.23T	-414.27B	-766.54B	-728.18B
Share Repurchases	0	-238M	0	-67.16B	-67.1B	-51B	-29.75B	-15.01B	0	-55B
Stock Issued	112.05B	-238M	0	988.07B	0	0	120M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K
Other Financing	-882.52B	-744.15B	-772.87B	-745.93B	-804.3B	-946.03B	-913.24B	17.22T	-915.93B	14.16T
Net Change in Cash+	5.02T	-91.97B	143.83B	6.06T	1.72T	3.91T	2.62T	-19.61T	1.57T	-1.6T
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	17.27T	22.28T	22.19T	22.34T	28.4T	30.12T	34.03T	36.64T	17.03T	18.6T
Cash at End	22.28T	22.19T	22.34T	28.4T	30.12T	34.03T	36.64T	17.03T	18.6T	17T
Interest Paid	0	0	0	0	0	0	0	10.75T	0	21.65T
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	9.27T	850.87B	3.73T	7.31T	3.91T	7.99T	3.65T	-20T	4.71T	-14.7T
FCF Growth %	0.78%	-0.91%	3.38%	0.96%	-0.47%	1.04%	-0.54%	-6.49%	1.24%	-4.12%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.22%	9%	7.77%	10.51%	9.65%	6.83%	8.8%	7.06%	2.37%	3.14%
Return on Assets (ROA)	1.03%	0.97%	0.85%	1.17%	1.13%	0.78%	0.96%	0.75%	0.25%	0.32%
Net Interest Margin	3.84%	4.09%	4.44%	4.19%	4.05%	2.3%	2.22%	2.62%	2.09%	2.22%
Efficiency Ratio	36.11%	31.2%	33.77%	31.59%	33.18%	43.76%	31.22%	24.63%	51.09%	54.22%
Equity / Assets	10.57%	11%	10.94%	11.38%	11.96%	10.98%	10.76%	10.43%	10.47%	10.11%
Book Value / Share	20.56K	22.13K	23.22K	26.53K	29.93K	31.81K	35.43K	26.64K	26.55K	27.93K
NII Growth	20.24%	9.98%	14.85%	3.4%	3.81%	-34.3%	9.66%	-4.82%	-18.76%	15.6%
Dividend Payout	62.53%	58.92%	66.63%	38.75%	41.75%	56.62%	37.32%	16.68%	103.73%	71.74%

Revenue by Geography

	2017	2018	2021	2022	2023	2024
COLOMBIA	-	-	-	-	-	10.01T
COLOMBIA Growth	-	-	-	-	-	-
PERU	-	-	-	-	-	1.04T
PERU Growth	-	-	-	-	-	-
Colombia	18.79T	-	9.42T	11.2T	10.31T	-
Colombia Growth	-	-	-	18.93%	-7.97%	-
Peru	-	-	-	942.37B	917.6B	-
Peru Growth	-	-	-	-	-2.63%	-
Other Countries	-	2.6T	-	-	-	-
Other Countries Growth	-	-	-	-	-	-
Guatemala	1.13T	-	-	-	-	-
Guatemala Growth	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Grupo Aval Acciones y Valores S.A. (AVAL) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Grupo Aval Acciones y Valores S.A. (AVAL) grew revenue by 0.2% over the past year. Growth has been modest.

Yes, Grupo Aval Acciones y Valores S.A. (AVAL) is profitable, generating $1.66T in net income for fiscal year 2024 (8.6% net margin).

Dividend & Returns

Yes, Grupo Aval Acciones y Valores S.A. (AVAL) pays a dividend with a yield of 100.00%. 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 54.2%. This is excellent, indicating strong cost control.

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