Grupo Aval Acciones y Valores S.A. (AVAL)
Valuation Overview•Is Grupo Aval Acciones y Valores S.A. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Fragile underlying quality score of 42/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral with steady expected earnings growth. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
AVAL struggles with subpar profitability and pressured margins. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 12.4%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $9.7T | +14.5% | — | — | +7.5% | |
| EBITDA | $1.6T | — | -19.4% | — | — | |
| Net Income | $336.6B | +58.0% | -13.6% | — | -2.4% | |
| EPS (Diluted) | $284.00 | +57.8% | -6.1% | -0.7% | -4.2% | |
| Free Cash Flow | -$107.2B | +109.9% | — | -28.9% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 42.2% | 36.7% | 43.9% | 54.2% |
| Operating Margin | 12.4% | 8.9% | 16.0% | 22.9% |
| Net Margin | 4.2% | 2.8% | 6.7% | 9.1% |
| FCF Margin | 3.0% | -20.8% | -23.2% | 1.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.08 | — | ||
| Q1'26 | $0.10 | $0.12 | +20.0% | ||
| Q4'25 | $0.10 | $0.11 | +10.0% | ||
| Q3'25 | $0.10 | $0.10 | +0.0% | ||
| Q2'25 | $0.10 | $0.07 | -30.0% | ||
| Q1'25 | $0.00 | $0.00 | — | ||
| Q1'25 | $0.07 | $0.05 | -28.6% | ||
| Q4'24 | $0.07 | $0.09 | +28.6% |
Total return is +89.9% (1Y), outperforming the benchmark by +69.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +29.7% | +22.3% | — |
| 1Y | +89.9% | +69.1% | +5.3% |
| 3YCAGR | +34.2% | +15.6% | +19.6% |
| 5YCAGR | +5.6% | -5.2% | +42.5% |
| 10YCAGR | +1.9% | -12.0% | — |
The S&P 500 is at 31.0x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Grupo Aval Acciones y Valores S.A. (AVAL) valuation, health, and returns.
Grupo Aval Acciones y Valores S.A. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. trading near fair value (DCF: $4.52)
Grupo Aval Acciones y Valores S.A. has multiple valuation anchors: DCF Intrinsic Value: $4.52 | Peer Relative Fair Value: $20927.04. A convergence of these signals offers higher conviction.
Grupo Aval Acciones y Valores S.A. displays fair financial health with a composite quality score of 42/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 2.8%.
Grupo Aval Acciones y Valores S.A. pays a 2.8% dividend yield, covered by a 36% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Grupo Aval Acciones y Valores S.A.'s current growth trajectory is Accelerating. The company achieved +14.5% 1Y revenue growth and +57.8% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 6 analysts, beating EPS expectations in 25% of recent quarters with a 2-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Grupo Aval Acciones y Valores S.A. include: -32.6% 1-year max drawdown. Volatility risk is characterized by a beta of 1.12x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.