_id

690db368ccc777a4e85d0ce1

Ticker

AVAL

Name

Grupo Aval

Exchange

NYSE

Address

Carrera 13 No. 26A ? 47, Bogotá, Colombia, 110311

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.grupoaval.com

Description

Grupo 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. The company offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. It 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 services, including services relating to capital markets, mergers and acquisitions, and delivering financial consulting services; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, and payment and collection services, as well as provides deposit and lending operations in foreign currencies. Further, it is involved in equity investments in various sectors, including infrastructure, energy and gas, agribusiness, and hospitality; and providing treasury operations. The company was incorporated in 1994 and is headquartered in Bogotá, Colombia.

Last Close

4.22

Volume

74597

Current Price

4.16

Change

-1.4218009478672893

Last Updated

2025-11-28T12:34:42.522Z

Image

-

Ipo Date

2014-09-23T00:00:00.000Z

Market Cap

4962210816

Next Dividend Date

2025-12-08T00:00:00.000Z

Dividend Frequency

Monthly

Dividend Rate

0.00921

Dividend Yield

0.8729857819905213

Sentiment

0.7275

Sentiment Sources

2

Rating

2

Target Price

2.725

Strong Buy

0

Buy

0

Hold

0

Sell

1

Strong Sell

0

Current Quarter

2025-09-30

Revenue

9395000000000

Cost Of Revenue

5957200000000

Gross Profit

3437800000000

Operating Expenses

2189800000000

Operating Income

1248000000000

Interest Expense

4844900000000

Pretax Income

1248000000000

Net Income

521000000000

Eps

438.8573939215977

Dividends Per Share

-

Shares Outstanding

378212544

Income Tax Expense

356400000000

EBITDA

1449300000000

Operating Margin

13.283661522086215

Total Other Income Expense Net

-

Cash

18081300000000

Short Term Investments

32702100000000

Receivables

30340000000000

Inventories

-

Total Current Assets

81123400000000

Property Plant Equipment

6120400000000

Total Assets

343840800000000

Payables

-

Short Term Debt

-

Long Term Debt

76109300000000

Total Liabilities

309204800000000

Equity

18411200000000

Depreciation

201300000000

Change In Working Capital

-

Cash From Operations

-

Capital Expenditures

0

Cash From Investing

-

Cash From Financing

-

Net Change In Cash

-

PE

11.2432

PB

0.00027211009798383594

ROE

2.8297992526288347

ROA

0.15152361209024642

FCF

-

Fcf Percent

-

Piotroski FScore

2

Health Score

27

Deep Value Investing Score

7.5

Defensive Investing Score

4

Dividend Investing Score

2

Economic Moat Investing Score

4.8

Garp Investing Score

2

Growth Investing Score

2

Momentum Investing Score

4

Net Net Investing Score

2.5

Quality Investing Score

2

Value Investing Score

6

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

9395000000000

Quarters > 0 > income Statement > cost Of Revenue

5957200000000

Quarters > 0 > income Statement > gross Profit

3437800000000

Quarters > 0 > income Statement > operating Expenses

2189800000000

Quarters > 0 > income Statement > operating Income

1248000000000

Quarters > 0 > income Statement > interest Expense

4844900000000

Quarters > 0 > income Statement > pretax Income

1248000000000

Quarters > 0 > income Statement > net Income

521000000000

Quarters > 0 > income Statement > eps

438.8573939215977

Quarters > 0 > income Statement > dividends Per Share

-

Quarters > 0 > income Statement > shares Outstanding

1187173800

Quarters > 0 > income Statement > income Tax Expense

356400000000

Quarters > 0 > income Statement > EBITDA

1449300000000

Quarters > 0 > income Statement > operating Margin

13.283661522086215

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

18081300000000

Quarters > 0 > balance Sheet > short Term Investments

32702100000000

Quarters > 0 > balance Sheet > receivables

30340000000000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

81123400000000

Quarters > 0 > balance Sheet > property Plant Equipment

6120400000000

Quarters > 0 > balance Sheet > total Assets

343840800000000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

76109300000000

Quarters > 0 > balance Sheet > total Liabilities

309204800000000

Quarters > 0 > balance Sheet > equity

18411200000000

Quarters > 0 > cash Flow > net Income

521000000000

Quarters > 0 > cash Flow > depreciation

201300000000

Quarters > 0 > cash Flow > change In Working Capital

-

Quarters > 0 > cash Flow > cash From Operations

-

Quarters > 0 > cash Flow > capital Expenditures

0

Quarters > 0 > cash Flow > cash From Investing

-

Quarters > 0 > cash Flow > cash From Financing

-

Quarters > 0 > cash Flow > net Change In Cash

-

Quarters > 0 > ratios > PE

438.8573939215977

Quarters > 0 > ratios > PB

0.00027211009798383594

Quarters > 0 > ratios > ROE

2.8297992526288347

Quarters > 0 > ratios > ROA

0.15152361209024642

Quarters > 0 > ratios > FCF

-

Quarters > 0 > ratios > Piotroski FScore

2

Quarters > 0 > ratios > fcf Percent

-

Quarters > 0 > health Score

27

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

9295000000000

Quarters > 1 > income Statement > cost Of Revenue

5814500000000

Quarters > 1 > income Statement > gross Profit

3480500000000

Quarters > 1 > income Statement > operating Expenses

2213000000000

Quarters > 1 > income Statement > operating Income

1267500000000

Quarters > 1 > income Statement > interest Expense

4695900000000

Quarters > 1 > income Statement > pretax Income

1267500000000

Quarters > 1 > income Statement > net Income

494900000000

Quarters > 1 > income Statement > eps

416.8724073930877

Quarters > 1 > income Statement > dividends Per Share

-

Quarters > 1 > income Statement > shares Outstanding

1187173800

Quarters > 1 > income Statement > income Tax Expense

383800000000

Quarters > 1 > income Statement > EBITDA

1468500000000

Quarters > 1 > income Statement > operating Margin

13.636363636363635

Quarters > 1 > income Statement > total Other Income Expense Net

-651688000000

Quarters > 1 > balance Sheet > cash

18633900000000

Quarters > 1 > balance Sheet > short Term Investments

30745800000000

Quarters > 1 > balance Sheet > receivables

30572400000000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

79952100000000

Quarters > 1 > balance Sheet > property Plant Equipment

6188200000000

Quarters > 1 > balance Sheet > total Assets

335698400000000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

-

Quarters > 1 > balance Sheet > long Term Debt

68733900000000

Quarters > 1 > balance Sheet > total Liabilities

302048200000000

Quarters > 1 > balance Sheet > equity

17759500000000

Quarters > 1 > cash Flow > net Income

494919000000

Quarters > 1 > cash Flow > depreciation

201000000000

Quarters > 1 > cash Flow > change In Working Capital

-

Quarters > 1 > cash Flow > cash From Operations

-

Quarters > 1 > cash Flow > capital Expenditures

0

Quarters > 1 > cash Flow > cash From Investing

-

Quarters > 1 > cash Flow > cash From Financing

-

Quarters > 1 > cash Flow > net Change In Cash

-

Quarters > 1 > ratios > PE

416.8724073930877

Quarters > 1 > ratios > PB

0.0002820954101185281

Quarters > 1 > ratios > ROE

2.7866775528590333

Quarters > 1 > ratios > ROA

0.14742399725467858

Quarters > 1 > ratios > FCF

-

Quarters > 1 > ratios > Piotroski FScore

2

Quarters > 1 > ratios > fcf Percent

-

Quarters > 1 > health Score

27

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

9022600000000

Quarters > 2 > income Statement > cost Of Revenue

5814800000000

Quarters > 2 > income Statement > gross Profit

3207800000000

Quarters > 2 > income Statement > operating Expenses

2027400000000

Quarters > 2 > income Statement > operating Income

1180400000000

Quarters > 2 > income Statement > interest Expense

4660700000000

Quarters > 2 > income Statement > pretax Income

1180400000000

Quarters > 2 > income Statement > net Income

361500000000

Quarters > 2 > income Statement > eps

304.50469846959226

Quarters > 2 > income Statement > dividends Per Share

190258000000

Quarters > 2 > income Statement > shares Outstanding

1187173800

Quarters > 2 > income Statement > income Tax Expense

379100000000

Quarters > 2 > income Statement > EBITDA

1369500000000

Quarters > 2 > income Statement > operating Margin

13.08270343360007

Quarters > 2 > income Statement > total Other Income Expense Net

-631221000000

Quarters > 2 > balance Sheet > cash

19138400000000

Quarters > 2 > balance Sheet > short Term Investments

29919500000000

Quarters > 2 > balance Sheet > receivables

29657700000000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

78715600000000

Quarters > 2 > balance Sheet > property Plant Equipment

6238800000000

Quarters > 2 > balance Sheet > total Assets

329850200000000

Quarters > 2 > balance Sheet > payables

3253637000000

Quarters > 2 > balance Sheet > short Term Debt

1566651000000

Quarters > 2 > balance Sheet > long Term Debt

68692200000000

Quarters > 2 > balance Sheet > total Liabilities

297217600000000

Quarters > 2 > balance Sheet > equity

17172900000000

Quarters > 2 > cash Flow > net Income

361500000000

Quarters > 2 > cash Flow > depreciation

336914000000

Quarters > 2 > cash Flow > change In Working Capital

-4708945000000

Quarters > 2 > cash Flow > cash From Operations

-2992205000000

Quarters > 2 > cash Flow > capital Expenditures

210148000000

Quarters > 2 > cash Flow > cash From Investing

-2802963000000

Quarters > 2 > cash Flow > cash From Financing

2902683000000

Quarters > 2 > cash Flow > net Change In Cash

-16998859000000

Quarters > 2 > ratios > PE

304.50469846959226

Quarters > 2 > ratios > PB

0.0002917313578952885

Quarters > 2 > ratios > ROE

2.105060880806387

Quarters > 2 > ratios > ROA

0.10959520412599418

Quarters > 2 > ratios > FCF

-3202353000000

Quarters > 2 > ratios > Piotroski FScore

2

Quarters > 2 > ratios > fcf Percent

-0.3549257420255802

Quarters > 2 > health Score

18

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

2982784000000

Quarters > 3 > income Statement > cost Of Revenue

-

Quarters > 3 > income Statement > gross Profit

2982784000000

Quarters > 3 > income Statement > operating Expenses

1748003000000

Quarters > 3 > income Statement > operating Income

1234781000000

Quarters > 3 > income Statement > interest Expense

4834833000000

Quarters > 3 > income Statement > pretax Income

603560000000

Quarters > 3 > income Statement > net Income

281352000000

Quarters > 3 > income Statement > eps

236.99310335260967

Quarters > 3 > income Statement > dividends Per Share

190258000000

Quarters > 3 > income Statement > shares Outstanding

1187173787

Quarters > 3 > income Statement > income Tax Expense

63144000000

Quarters > 3 > income Statement > EBITDA

-

Quarters > 3 > income Statement > operating Margin

41.39692984808823

Quarters > 3 > income Statement > total Other Income Expense Net

-631221000000

Quarters > 3 > balance Sheet > cash

7278873000000

Quarters > 3 > balance Sheet > short Term Investments

28471501000000

Quarters > 3 > balance Sheet > receivables

-

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

7278873000000

Quarters > 3 > balance Sheet > property Plant Equipment

6032167000000

Quarters > 3 > balance Sheet > total Assets

327859383000000

Quarters > 3 > balance Sheet > payables

3253637000000

Quarters > 3 > balance Sheet > short Term Debt

-

Quarters > 3 > balance Sheet > long Term Debt

66929462000000

Quarters > 3 > balance Sheet > total Liabilities

294696465000000

Quarters > 3 > balance Sheet > equity

17451257000000

Quarters > 3 > cash Flow > net Income

281352000000

Quarters > 3 > cash Flow > depreciation

336914000000

Quarters > 3 > cash Flow > change In Working Capital

-4708945000000

Quarters > 3 > cash Flow > cash From Operations

-2992205000000

Quarters > 3 > cash Flow > capital Expenditures

210148000000

Quarters > 3 > cash Flow > cash From Investing

-

Quarters > 3 > cash Flow > cash From Financing

2902683000000

Quarters > 3 > cash Flow > net Change In Cash

-2153066000000

Quarters > 3 > ratios > PE

236.99310335260967

Quarters > 3 > ratios > PB

0.000287078081604093

Quarters > 3 > ratios > ROE

1.6122162432196145

Quarters > 3 > ratios > ROA

0.08581483849129308

Quarters > 3 > ratios > FCF

-3202353000000

Quarters > 3 > ratios > Piotroski FScore

2

Quarters > 3 > ratios > fcf Percent

-1.0736121019825773

Quarters > 3 > health Score

18

Valuation > metrics > PE

11.2432

Valuation > metrics > PB

0.00027211009798383594

Valuation > final Score

100

Valuation > verdict

50.0% Undervalued

Profitability > metrics > ROE

2.8297992526288347

Profitability > metrics > ROA

0.6422314646575464

Profitability > metrics > Net Margin

0.05545502927088877

Profitability > final Score

16

Profitability > verdict

Weak

Risk > metrics > Debt Equity

16.79438602589728

Risk > metrics > Interest Coverage

0.2575904559433631

Risk > final Score

7

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

40

Prev Valuations > 1

40

Prev Valuations > 2

40

Prev Profitabilities > 0

15

Prev Profitabilities > 1

12

Prev Profitabilities > 2

29

Prev Risks > 0

7

Prev Risks > 1

7

Prev Risks > 2

7

Prev Liquidities > 0

50

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-12T14:10:17.744Z