The earnings call highlighted strong financial performance with record net income and improved net interest margins. There were significant advancements in ESG initiatives and a positive economic outlook for Colombia. However, challenges such as soft loan growth, fiscal sustainability issues, and intense price competition were noted.

Company Guidance

During the second quarter of 2025, Grupo Aval reported a significant increase in net income, which reached COP 494.9 billion, marking a 37% growth over the quarter and a 142% year-over-year increase. The net interest margin (NIM) on loans improved to 4.5%, driven by a strategic focus on enhancing the deposit mix toward retail funding, with peso-denominated deposits by individuals increasing to 18.2%. The cost of risk decreased to 1.7%, and gross loans grew by 3.2% year-over-year, while deposits rose by 6.8%. Grupo Aval's strategic initiatives included the implementation of a procurement synergy center aiming for more than 10% savings on a COP 2.1 trillion manageable spending base. Looking forward, the company anticipates a return on average equity of around 10.5% for 2025, with expected loan growth of approximately 7% and a consolidated NIM in the 4% range.

Record Net Income

Grupo Aval's net income for Q2 2025 was COP 494.9 billion, the highest quarterly figure in 3 years, representing a 37% increase over the quarter and a 142% increase year-over-year.

Improved Net Interest Margin

The net interest margin reached 4%, with the consolidated NIM on loans hitting 4.5%, the highest in 3 years.

Substantial Loan and Deposit Growth

Gross loans grew 3.2% year-over-year, and deposits grew 6.8% during the same period.

ESG Achievements

Significant progress in ESG initiatives, including a double materiality assessment involving 280 stakeholders, and the launch of the Aval Board of Directors guideline.

Positive Economic Outlook

The Colombian economy is expected to grow by 2.7% in 2025, with inflation anticipated to close at around 4.9%.

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
Nov 12, 2025	2025 (Q3)	0.11 / -	0.08	―	―	―
Aug 14, 2025	2025 (Q2)	0.10 / 0.10	0.04	157.50% (+0.06)	―	―
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)	―	―
Aug 16, 2023	2023 (Q2)	0.03 / 0.03	0.133	-74.44% (-0.10)	―	―

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
Aug 14, 2025	$3.17	$3.15	-0.63%
May 06, 2025	$2.68	$2.77	+3.36%
Feb 18, 2025	$2.94	$2.93	-0.34%
Nov 13, 2024	$1.93	$1.97	+2.07%

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 Nov 12, 2025, 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 Nov 12, 2025, 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 (Q3) is 0.11.

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