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Grupo Aval Acciones y Valores SA Pfd (AVAL)
NYSE:AVAL
Earnings Data
Report Date
May 20, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.09Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call showcased strong underlying operating performance and meaningful year-over-year profitability improvement (net income +70%), better asset quality, deposit growth and completed/announced strategic transactions and ESG progress. However, significant near-term headwinds remain: volatile capital markets depressed investment NIM in the quarter, one-time transaction impacts, a downgraded ROAE guidance, reduced coverage, segment-specific market share losses, and material macro/policy risks (large minimum wage increase, higher inflation and rates, and fiscal/election uncertainty). The operational and strategic positives are substantial, but risks and guidance pressure temper the outlook.Company Guidance
Strong Profitability Recovery
Consolidated attributable net income for 2025 reached COP 1.7 trillion, a ~70% increase versus 2024 (reported annual attributable net income COP 1.72 trillion / COP 72.5 per share). Quarterly attributable net income from continued operations rose 57.5% year-over-year (Q4: COP 474 million as reported).
Record Pension Business Performance (Porvenir)
Porvenir delivered its strongest annual performance to date: assets under management reached USD 271.2 trillion (reported) — up 14.9% year-over-year — and ROAE reached 21.2%.
Improved Net Interest Margins and Net Interest Income
Total net interest income reached COP 9.3 trillion, up 17.4% year-over-year. Consolidated NIM expanded by 28 basis points to 3.78% for 2025; consolidated NIM on loans rose 28 bps to 4.71%. Banking segment NIM on loans improved (banking segment total NIM +8 bps to 4.47%; NIM on loans +9 bps).
Asset Quality and Credit Metrics Improved
Cost of risk (net of recoveries) improved to 1.9% for 2025 (down 38 bps year-over-year). 30-day PDL formation fell 32.8% y/y to COP 4.2 trillion. 30-day PDLs improved to 4.37% (down 98 bps y/y) and 90-day PDLs to 3.29% (down 77 bps y/y). Share of portfolio in Stage 1 increased to 89.8% and Stage 3 decreased to 5.7%.
Loan, Deposit and Funding Growth
Banking gross loans around COP 190.1–190.9 trillion (management commentary showed COP 190.1 trillion; consolidated figures COP 190.9 trillion). Peso-denominated loans grew (peso loans now ~91.3% of gross loans). Deposits grew 11.2% year-over-year; total funding increased 8.7% y/y and deposit-to-net-loan ratio stood at 113%.
Operational Efficiency Trends
Annual cost-to-income improved by 101 bps to 52.2%. Cost-to-assets remained flat at 2.6%. Annual operating expenses grew 9.6% with personnel expenses up 6.9%, below the 9.5% minimum wage increase, supporting improved efficiency.
Strategic Corporate Actions and M&A Progress
Completed consolidation of fiduciary businesses into Aval Fiduciaria (Jan 2, 2026). Announced acquisition agreement for Banco Itau's Colombian retail business (adds ~267,000 clients; reported USD 6.5 trillion loans and USD 4.1 trillion deposits; pending regulatory approvals). Announced divestment agreement for MFG (classified as discontinued operations). Corfi announced two major investments including a 51% stake in Sencia (USD 2.4 trillion stadium project) and Promigas’ acquisition of Zelestra (1.4 GW contracted capacity, >2.1 GW under development).
Sustainability and ESG Momentum
Sustainable loan portfolio reached COP 44.9 trillion (COP 36.2 trillion social; COP 8.7 trillion green). Achieved S&P Corporate Sustainability Assessment score of 81/100 and inclusion in S&P Sustainability index; MSCI rating improved to BBB. Group-level environmental efficiency gains: energy consumption down 9.6%, renewable energy use up to 38%, water consumption down 2%, waste generation down 9%.
Grupo Aval Acciones y Valores SA Pfd (AVAL) Earnings, Revenues Date & History
AVAL Earnings History
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 |
|---|---|---|---|
Feb 25, 2026 | $4.39 | $4.37 | -0.46% |
Nov 14, 2025 | $4.16 | $4.07 | -2.14% |
Aug 14, 2025 | $3.13 | $3.11 | -0.64% |
May 06, 2025 | $2.64 | $2.73 | +3.33% |
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 May 20, 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 May 20, 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?
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What is AVAL EPS forecast?
Currently, no data Available