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Grupo Aval

Grupo Aval

AVAL · NYSE · Financial Services / Banks - Regional

4.06USD+0.11 (+2.78%)

Price History

Full chart

Market Stats

Previous Close3.95
Open3.96
Day Range3.88 – 4.08
52-Week Range3.10 – 6.15
Volume443.85K
Market Cap5.82B
P/E (TTM)10.00
Forward P/E0.00
EPS0.49
Dividend Yield3.95%
Beta0.38
50-Day Avg5.22
200-Day Avg4.69

About

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products 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 hotels; and providing treasury operations. The company was incorporated in 1994 and is headquartered in Bogotá, Colombia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Maria Lorena Gutierrez Botero
  • Employees0
  • HeadquartersCarrera 13 No. 26A ? 47, Bogotá, Colombia, 110311, USA
  • Websitehttps://www.grupoaval.com

Leadership

  • Ms. Maria Lorena Gutierrez BoteroPresident · b. 1968
  • Mr. Diego Fernando Solano SaraviaChief Financial Officer · b. 1966
  • Ms. María Edith Gonzalez FlorezVice President of Accounting · b. 1959
  • Mr. Jorge Adrian Rincon PlataChief Legal Officer & Corporate Secretary · b. 1980
  • Omar SuarezHead of Equity Strategy
  • Mr. Eduardo Duque SuarezChief Risk Officer · b. 1967
  • Ms. Paula Duran FernandezChief of Sustainability and Strategic Projects · b. 1978
  • Mr. Jorge Castano GutierrezChief of Financial Assets & Efficiency · b. 1977
  • Mr. Ernesto Jose Gutierrez de Pineres LunaChief of Information Technology · b. 1974
  • Mr. Juan Camilo Angel MejiaPresident of Banco AV Villas · b. 1965

Financials

Income Statement

Currency: COP2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.96T9.81T8.79T11.09T13.34T14.64T15.56T20.51T24.67T26.06T27.73T29.80T11.19T20.67T27.94T38.44T36.97T42.33T
Growth (%)-+9.42%-10.31%+26.09%+20.26%+9.80%+6.22%+31.84%+20.28%+5.65%+6.39%+7.49%-62.44%+84.65%+35.18%+37.55%-3.80%+14.49%
Cost of Revenue3.95T3.81T2.73T3.56T4.94T5.22T6.17T7.88T11.40T12.35T11.63T12.46T-7.85T14.78T27.38T25.67T20.78T
Gross Profit5.01T6.00T6.06T7.53T8.40T9.42T9.38T12.63T13.27T13.72T16.09T17.34T11.19T12.82T13.16T11.05T11.30T21.54T
Gross Margin55.88%61.17%68.91%67.93%62.99%64.36%60.31%61.58%53.80%52.62%58.04%58.19%100.00%62.01%47.09%28.76%30.57%50.90%
Operating Expense2.90T3.02T3.40T4.02T4.59T5.40T4.58T7.40T7.70T8.80T8.76T9.89T4.90T6.45T6.88T7.57T8.17T17.69T
Operating Income2.11T2.98T2.66T3.51T3.81T4.03T4.81T5.22T5.57T4.92T7.33T7.45T6.30T6.36T6.27T3.49T3.14T3.86T
Operating Margin23.50%30.40%30.27%31.64%28.56%27.50%30.89%25.48%22.60%18.86%26.45%25.00%56.24%30.79%22.45%9.07%8.49%9.12%
EBITDA2.33T3.23T2.91T3.88T4.22T4.49T5.43T6.00T6.35T5.82T8.29T8.75T5.21T7.81T7.36T4.64T4.41T3.86T
EBITDA Margin26.02%32.94%33.04%34.97%31.66%30.69%34.94%29.26%25.76%22.32%29.90%29.36%46.53%37.79%26.36%12.07%11.93%9.12%
Net Income757.10B1.07T956.85B1.29T1.53T1.60T1.82T2.04T2.14T1.96T2.91T3.03T2.35T3.30T2.48T739.00B1.02T1.60T
Net Income Margin8.45%10.86%10.88%11.64%11.45%10.93%11.67%9.95%8.67%7.53%10.51%10.18%20.99%15.95%8.89%1.92%2.75%3.79%
R&D-------00000------
R&D as % of Total Revenue-------0.00%0.00%0.00%0.00%0.00%------
Interest Expense3.24T2.85T1.91T2.68T3.89T3.80T4.50T5.75T8.39T8.23T7.48T8.27T5.80T4.66T11.66T22.63T20.91T16.81T
Interest Expense % of Total Revenue36.16%29.10%21.76%24.18%29.20%25.97%28.92%28.04%34.02%31.57%27.00%27.74%51.83%22.55%41.74%58.88%56.57%39.71%

Balance Sheet

Currency: COP2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-70.99T96.31T111.50T127.66T155.86T178.84T216.68T224.07T236.54T259.68T278.83T322.90T366.90T295.59T301.18T327.86T348.56T
Total Liabilities-62.87T87.28T103.34T118.58T139.02T157.49T193.77T199.41T210.67T230.12T245.48T287.46T327.43T264.77T269.66T294.70T313.86T
Total Equity-4.08T4.55T8.16T9.08T10.26T13.67T14.57T15.60T16.29T17.79T19.85T20.66T23.01T16.47T16.78T17.45T18.43T
Cash-7.37T9.68T11.70T13.40T14.60T17.27T22.27T22.19T21.97T28.15T30.07T33.95T35.62T15.90T17.38T15.53T19.33T
Total Debt-10.03T18.92T21.23T25.31T31.57T37.22T48.10T46.33T45.98T51.91T55.64T59.49T74.09T72.12T62.82T71.36T68.60T
Net Debt-2.66T9.24T9.53T11.91T16.97T19.96T25.83T24.14T24.02T23.76T25.57T25.54T38.46T56.22T45.45T55.83T49.26T

Cash Flow

Currency: COP2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.46T-488.66B2.45T4.74T5.14T6.95T6.54T11.35T2.49T5.11T8.73T5.63T10.02T5.90T-222.12B-9.35T-14.04T2.04T
Investing Cash Flow-6.51T-4.02T-12.89T-13.77T-19.23T-19.91T-4.14T-6.75T-952.87B-3.61T-3.05T-3.06T-7.59T-6.60T-13.01T1.84T-3.14T-25.07T
Financing Cash Flow6.60T5.26T9.47T11.05T15.80T14.52T486.73B-2.81T66.86B-1.45T-997.56B-895.99B404.45B-1.35T-8.57T11.82T13.46T26.09T
Capital Expenditure173.52B435.65B407.16B811.26B711.80B833.17B1.33T955.72B1.63T1.38T1.42T1.73T2.01T2.26T1.15T615.19B662.67B586.35B
Free Cash Flow1.29T-924.31B2.23T3.93T4.42T6.11T5.21T9.27T850.87B3.73T7.31T3.91T8.01T3.65T-1.37T-9.96T-14.70T1.45T
Dividends Paid353.35B504.14B477.01B606.73B810.16B925.73B1.16T1.28T1.26T1.31T1.13T1.27T1.33T1.23T414.27B766.54B728.18B582.89B
FCF to OCF88.14%189.15%91.20%82.88%86.14%88.01%79.71%81.66%34.24%73.03%83.69%69.35%79.92%61.77%616.20%106.58%104.72%71.24%
Dividend Paid to FCF27.41%-54.54%21.35%15.44%18.31%15.14%22.28%13.77%148.19%35.05%15.44%32.42%16.61%33.76%-30.27%-7.69%-4.95%40.14%

Earnings

Report DateNov 20, 2014Mar 30, 2015Apr 8, 2015Sep 23, 2015Dec 2, 2015Mar 4, 2016May 27, 2016Aug 31, 2016Nov 29, 2016Mar 31, 2017May 14, 2017Aug 14, 2017Nov 27, 2017Mar 15, 2018May 15, 2018Aug 13, 2018Nov 14, 2018Mar 16, 2019May 20, 2019Aug 13, 2019Nov 13, 2019Mar 16, 2020May 18, 2020Aug 28, 2020Nov 18, 2020Mar 5, 2021May 20, 2021Aug 13, 2021Nov 12, 2021Mar 16, 2022May 18, 2022Aug 10, 2022Nov 16, 2022Mar 5, 2023May 17, 2023Aug 16, 2023Nov 16, 2023Mar 7, 2024May 13, 2024Aug 14, 2024Nov 14, 2024Mar 3, 2025May 7, 2025Aug 13, 2025Nov 13, 2025Feb 26, 2026May 13, 2026Aug 12, 2026Nov 12, 2026
EPS Estimate0.23-0.19-0.200.150.140.160.170.190.150.190.150.140.150.170.180.180.200.210.190.150.170.090.090.110.110.170.160.180.370.130.140.090.090.030.080.050.050.050.070.080.100.100.100.10-0.120.13
EPS Actual0.200.140.150.200.130.240.140.180.170.140.220.150.130.150.180.200.180.260.200.210.190.170.160.080.170.170.170.220.180.180.350.130.070.110.080.030.010.020.020.040.080.060.070.100.120.120.080.13-
Surprise-13.04%--21.05%--35.00%60.00%0.00%12.50%0.00%-26.32%46.67%-21.05%-13.33%7.14%20.00%17.65%0.00%44.44%0.00%0.00%0.00%12.60%-5.88%-11.11%88.89%54.55%54.55%29.41%12.50%0.00%-4.19%2.23%-50.00%22.22%-11.11%0.00%-87.50%-60.00%-60.00%-20.00%14.29%-29.67%-30.00%0.00%20.00%20.00%-8.33%-
TimingAfter-hours-After-hours-After-hours-After-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hours-After-hours-

Key Statistics & Ratios

Market Cap5.82B
Enterprise Value48.18T
Trailing P/E10.00
Forward P/E0.00
PEG Ratio0.00
Price / Sales1.06
Price / Book1.05
EPS0.49
Book Value775.42
Revenue (TTM)13.44T
Gross Profit (TTM)13.44T
Profit Margin12.17%
Operating Margin0.00%
Return on Equity10.05%
Return on Assets1.00%
Shares Outstanding378.29M
Shares Float210.14M
Beta0.38
Dividend Yield3.95%
Dividend Rate0.20
Payout Ratio13.67%

Analyst Ratings

Sell
Based on 1 analystsTarget 5.10
  • Sell
    1

Ownership Breakdown

Institutions
1.25%
Insiders
0.00%
Retail / Other
98.75%

Top Institutional Holders

  • Truffle Hound Capital, LLC
    1.00M0.08%
  • Renaissance Technologies Corp
    895.77K0.08%
  • Appleseed Capital
    517.05K0.04%
  • Banco BTG Pactual S.A.
    226.56K0.02%
  • STOKES FAMILY OFFICE, LLC
    210.12K0.02%
  • Marshall Wace Asset Management Ltd
    137.33K0.01%
  • O'Brien Greene & Co., Inc
    125.00K0.01%
  • Millennium Management LLC
    118.86K0.01%
  • Dimensional Fund Advisors, Inc.
    117.79K0.01%
  • BlackRock Inc
    106.90K0.01%
  • Citadel Advisors Llc
    102.78K0.01%
  • AQR Capital Management LLC
    86.69K0.01%
  • First Affirmative Financial Network
    75.48K0.01%
  • Kerrisdale Advisers, LLC
    75.00K0.01%
  • Connor Clark & Lunn Inv Mgmt Ltd
    72.61K0.01%
  • Sage Investment Counsel LLC
    60.95K0.01%
  • GSA Capital Partners LLP
    47.04K0.00%
  • BTG Pactual Asset Management US, LLC
    35.72K0.00%
  • Inspire Advisors, LLC
    32.89K0.00%

Top Fund Holders

  • Dimensional Emerging Markets Cr Eq 2 ETF
    34.49K0.00%

Dividends

20272×
0.02Feb 26, 20270.02Jan 29, 2027
202612×
0.02Dec 31, 20260.02Nov 30, 20260.02Nov 2, 20260.02Sep 30, 20260.01Aug 31, 20260.02Jul 31, 20260.01Jun 30, 20260.01May 29, 20260.01May 1, 20260.01Apr 9, 20260.01Feb 27, 20260.01Jan 30, 2026
202510×
0.01Dec 31, 20250.01Nov 28, 20250.01Nov 3, 20250.01Sep 30, 20250.01Aug 29, 20250.01Jul 31, 20250.01Jun 30, 20250.01Jun 2, 20250.01May 1, 20250.01Apr 11, 2025