The earnings call presented a strong financial performance with significant net income growth and progress in strategic projects, particularly in asset management and sustainability. However, challenges remain in the macroeconomic environment, including fiscal deficits and inflationary pressures.

Company Guidance

During Grupo Aval's third quarter 2025 conference call, the company reported a year-to-date net income of COP 1.4 trillion, which is an 88% increase compared to the same period in 2024. For the quarter, net income reached COP 521 billion, marking a 25.3% year-over-year growth and a 5.3% increase over the previous quarter. The company's net interest income grew by 11.6% to COP 2.9 trillion, and its net interest margin stood at 4.3%. Peso-denominated deposits from individuals grew by 22% over the year, with savings and checking accounts rising by 11% and term deposits by 31%. The company's efforts in the consumer segment, including an alliance with Visa for exclusivity in Colombia for the FIFA World Cup, are aimed at increasing its market share in credit cards. Additionally, Grupo Aval launched Gou Payments to enhance its payment platform and reduce cash transactions, which currently represent 75% of monetary transactions in Colombia. The Central Bank's immediate payment system, which started operations in October, is expected to contribute to a reduction in cash usage. Looking ahead, Grupo Aval anticipates a 2025 return on average equity of around 10.5%, with a projected loan growth of 4.5%, and a cost of risk around 1.9%. For 2026, the company expects an ROE between 12% and 12.5%, loan growth in the 8% area, and a slight increase in the cost of risk to approximately 2%.

Record Net Income Growth

Grupo Aval achieved a year-to-date net income of COP 1.4 trillion, representing an 88% increase compared to the same period in 2024. Quarterly net income peaked at COP 521 billion, marking the highest figure in three years with a 25.3% year-over-year growth.

Strong Deposit and Loan Growth

Peso-denominated deposits from individuals grew 22% year-over-year, with savings and checking accounts increasing by 11% and term deposits by 31%. Consumer loans showed the strongest quarterly growth in 10 quarters at 1.5%, while commercial loans grew 2.1% during the quarter.

Sustainability and ESG Achievements

Grupo Aval defined a comprehensive sustainable strategy and received several accolades for sustainability, including being included among the top 50 leading companies in sustainability in Colombia.

Advancements in Asset Management

Aval Fiduciaria is set to become the largest fiduciary in Colombia with assets under management reaching COP 201 trillion and projecting fee income growth of 13.2% in 2026.

Grupo Aval Acciones y Valores SA Pfd (AVAL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

AVAL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Mar 11, 2026	2025 (Q4)	0.11 / -	0.055	―	―	―
Nov 14, 2025	2025 (Q3)	0.11 / 0.12	0.08	46.25% (+0.04)	―	―
Aug 14, 2025	2025 (Q2)	0.10 / 0.11	0.04	167.50% (+0.07)	―	―
May 06, 2025	2025 (Q1)	0.10 / 0.09	0.025	256.00% (+0.06)	―	―
Feb 18, 2025	2024 (Q4)	0.08 / 0.06	0.018	205.56% (+0.04)	―	―
Nov 13, 2024	2024 (Q3)	0.07 / 0.08	0.014	471.43% (+0.07)	―	―
Aug 14, 2024	2024 (Q2)	0.05 / 0.04	0.034	17.65% (<+0.01)	―	―
May 14, 2024	2024 (Q1)	0.06 / 0.03	0.087	-71.26% (-0.06)	―	―
Mar 04, 2024	2023 (Q4)	0.05 / 0.02	-0.063	128.57% (+0.08)	―	―
Nov 15, 2023	2023 (Q3)	0.09 / 0.01	0.069	-79.71% (-0.06)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

AVAL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 14, 2025	$4.20	$4.11	-2.14%
Aug 14, 2025	$3.16	$3.14	-0.63%
May 06, 2025	$2.66	$2.75	+3.38%
Feb 18, 2025	$2.92	$2.91	-0.34%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Grupo Aval Acciones Y Valores Sa Pfd (AVAL) report earnings?

Grupo Aval Acciones Y Valores Sa Pfd (AVAL) is schdueled to report earning on Mar 11, 2026, After Close (Confirmed).

What is Grupo Aval Acciones Y Valores Sa Pfd (AVAL) earnings time?

Grupo Aval Acciones Y Valores Sa Pfd (AVAL) earnings time is at Mar 11, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is AVAL EPS forecast?

AVAL EPS forecast for the fiscal quarter 2025 (Q4) is 0.11.

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