Grupo Aval Acciones y Valores SA Pfd (AVAL)
NYSE:AVAL
Top Page
Grupo Aval Acciones y Valores SA Pfd
(NYSE:AVAL)
Select Model
Select Model
Rating:58Neutral
Price Target:
$4.50
â–˛(3.93% Upside)
Action:ReiteratedDate:04/10/26
The score is held back primarily by mixed financial quality (high leverage and historically volatile cash flows) despite a 2025 improvement. Technicals are moderately supportive with price above major moving averages, and valuation is reasonable (P/E ~11.3 with a ~2.9% yield). Earnings-call commentary adds balanced support: strong recovery signals but meaningful guidance pressure and macro/tax risks.
Positive Factors
Deposit and NII Strength
Large, faster-growing retail deposits materially strengthen Grupo Aval’s low-cost funding base, reducing reliance on wholesale funding and supporting sustainable net interest income. Higher NII and a >4% NIM give durable earnings tailwinds to support loan growth and margin stability over the medium term.
Negative Factors
High Leverage
Debt levels above four times equity increase vulnerability to funding stress and amplify downturn impacts on capital ratios. High leverage constrains strategic flexibility, raises refinancing and interest‑rate sensitivity, and makes the franchise more exposed to macro shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit and NII Strength
Large, faster-growing retail deposits materially strengthen Grupo Aval’s low-cost funding base, reducing reliance on wholesale funding and supporting sustainable net interest income. Higher NII and a >4% NIM give durable earnings tailwinds to support loan growth and margin stability over the medium term.
Read all positive factors
Grupo Aval Acciones y Valores SA Pfd (AVAL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.12B
Dividend Yield3.03%
Average Volume (3M)98.29K
Price to Earnings (P/E)11.3
Beta (1Y)0.49
Revenue Growth-6.62%
EPS Growth111.94%
CountryUS
Employees77,043
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.08
Shares Outstanding378,111,940
10 Day Avg. Volume68,157
30 Day Avg. Volume98,286
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.98
Price to Sales (P/S)0.43
P/FCF Ratio0.00
Enterprise Value/Market Cap13.45K
Enterprise Value/Revenue1.76
Enterprise Value/Gross Profit4.25
Enterprise Value/Ebitda12.83
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.45
Revenue Forecast (FY)$5.13B
Grupo Aval Acciones y Valores SA Pfd Business Overview & Revenue Model
Company 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. It offers traditional deposit services and products, including checking accounts, saving...
How the Company Makes Money
As a financial holding company, Grupo Aval primarily makes money through the earnings of its banking and financial subsidiaries and the cash flows it receives from them. Key revenue streams typically include: (1) net interest income—subsidiary ban...
Grupo Aval Acciones y Valores SA Pfd Earnings Call Summary
Earnings Call Date:Feb 25, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 20, 2026
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.Positive Updates
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).
Negative Updates
Volatile Capital Markets Hurt Investment NIM and Quarterly Results
Quarterly NIM on investments turned negative (-3.48% reported) and NIM on investments decreased 8 bps to 0.82% for the year, with adverse capital market performance cited as the reason for weaker-than-expected NIM on investments and some one-time effects on quarterly results.
Read all updates
Q4-2025 Updates
Positive
Negative
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).
Read all positive updates
Company Guidance
Grupo Aval updated its 2026 guidance to target group loan growth of about 10% (commercial ~7%, retail ~14%), a total NIM around 4.3% with NIM on loans ~4.7% (banking-segment NIM ~5.1% and banking NIM on loans ~5.4%), cost of risk (net of recoveries) in the ~2.0% area, cost-to-assets about 2.8%, income from the nonfinancial sector ~1.3x 2025, a fee-income ratio near 21%, and a 2026 ROAE in the ~10.5% area; this guidance excludes the newly announced wealth tax, which management estimates would reduce ROE by roughly 1 percentage point.Grupo Aval Acciones y Valores SA Pfd Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
48
Neutral
Cash Flow
40
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 42.33T | 36.97T | 38.44T | 27.94T | 20.67T |
| Gross Profit | 21.54T | 11.30T | 11.05T | 13.16T | 12.82T |
| EBITDA | 3.86T | 4.41T | 4.64T | 7.36T | 7.81T |
| Net Income | 1.60T | 1.02T | 739.00B | 2.48T | 3.30T |
Balance Sheet | |||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 48.40T | 44.00T | 41.82T | 15.90T | 35.62T |
| Total Debt | 68.60T | 71.36T | 62.82T | 72.12T | 74.09T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 18.43T | 17.45T | 16.78T | 16.47T | 23.01T |
Cash Flow | |||||
| Free Cash Flow | 1.45T | -14.70T | -9.96T | -20.00T | 3.65T |
| Operating Cash Flow | 2.04T | -14.04T | -9.35T | -19.45T | 5.90T |
| Investing Cash Flow | -25.07T | -3.14T | 1.84T | -13.01T | -6.60T |
| Financing Cash Flow | 26.09T | 13.46T | 11.82T | 9.26T | -1.35T |
Grupo Aval Acciones y Valores SA Pfd Technical Analysis
Positive
4.33
Price Trends
4.33
Positive
4.26
Positive
3.77
Positive
Market Momentum
0.04
Negative
55.50
Neutral
73.17
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AVAL, the sentiment is Positive. The current price of 4.33 is above the 20-day moving average (MA) of 4.21, below the 50-day MA of 4.33, and above the 200-day MA of 3.77, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 55.50 is Neutral, neither overbought nor oversold. The STOCH value of 73.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AVAL.
Grupo Aval Acciones y Valores SA Pfd Risk Analysis
Grupo Aval Acciones y Valores SA Pfd disclosed 74 risk factors in its most recent earnings report. Grupo Aval Acciones y Valores SA Pfd reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Grupo Aval Acciones y Valores SA Pfd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $4.00B | 11.58 | 9.15% | 3.02% | 5.63% | 65.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $3.60B | 15.89 | 13.86% | 0.97% | 24.97% | 36.91% | |
65 Neutral | $5.47B | 24.80 | 4.69% | 2.37% | -55.81% | -78.94% | |
58 Neutral | $5.12B | 11.31 | 9.57% | 3.03% | -6.62% | 111.94% | |
55 Neutral | $3.59B | 18.39 | 7.42% | 0.80% | -39.57% | -49.55% | |
49 Neutral | $8.10B | 55.04 | 2.70% | 1.82% | -36.51% | -39.66% |
* Financial Sector Average
AVAL
Grupo Aval Acciones y Valores SA Pfd
4.41
2.18
97.40%
BMA
Banco Macro SA
80.81
12.67
18.59%
BBAR
Banco BBVA Argentina
16.47
0.71
4.53%
GGAL
Grupo Financiero Galicia SA
47.57
0.26
0.55%
UCB
United Community Banks
33.46
10.51
45.79%
INTR
Inter & Company Incorporation Class A
8.15
3.15
63.13%
Grupo Aval Acciones y Valores SA Pfd Corporate Events
Grupo Aval Confirms Completion of April 2026 Dividend Payment
Apr 7, 2026
Grupo Aval Acciones y Valores S.A., a Bogotá-based financial holding company, oversees a portfolio of banks and financial service providers serving retail and corporate clients in Colombia and the wider Latin American region. Its operations s...
Grupo Aval Confirms Interest Payment on Sixth Peso Note Issuance
Mar 31, 2026
On March 30, 2026, Grupo Aval Acciones y Valores S.A. announced that it has paid the interest due on its Sixth Issuance of Notes, which were issued in Colombian pesos in the local market. The company stated that the payment was made in accordance ...
Grupo Aval Shareholders Approve 2025 Results, Year-Long Dividend and Board Mandate
Mar 30, 2026
On March 27, 2026, Grupo Aval Acciones y Valores S.A. held its ordinary shareholders’ meeting in Bogotá with full quorum, approving the agenda, the 2025 results and sustainability report, and the separated and consolidated financial sta...
Grupo Aval Confirms Timely Interest Payment on Eighth Peso Note Issuance
Mar 12, 2026
On March 12, 2026, Grupo Aval Acciones y Valores S.A. announced that it had paid interest due on its Eighth Issuance of Notes denominated in Colombian pesos, in accordance with the conditions set out in the original offering documentation. The tim...
Grupo Aval Details 2025 Sustainability Strategy and ESG Performance Progress
Mar 10, 2026
Grupo Aval has embedded sustainability as a core operating principle under its “ROE Sostenible” framework, which seeks to balance financial performance with social inclusion and environmental responsibility across its Colombian busines...
Grupo Aval Calls March 27 Shareholders’ Meeting and Proposes Year-Long Monthly Dividend Program
Mar 4, 2026
Grupo Aval Acciones y Valores S.A. has called its Ordinary General Meeting of Shareholders for March 27, 2026 in Bogotá, where it will present the board and president’s report, the separate and consolidated financial statements for the ...
Grupo Aval Confirms Execution of March 2026 Dividend Payment Plan
Mar 3, 2026
Grupo Aval Acciones y Valores S.A., the Colombian financial holding company, oversees a range of banking and financial services businesses serving retail and corporate clients across Colombia and the broader Latin American region. Its operations c...
Grupo Aval Posts 70% Profit Surge for 2025 as It Reclassifies Panama Unit for Sale
Feb 27, 2026
On November 27, 2025, a Banco de Bogotá subsidiary agreed to sell 99.57% of Multi Financial Group Inc., prompting Grupo Aval to present supplemental unaudited pro forma figures reclassifying MFG as discontinued operations for comparability. F...
Grupo Aval Publishes Q4 2025 Results Materials Ahead of Investor Call
Feb 26, 2026
On February 26, 2026, Grupo Aval Acciones y Valores S.A. announced that its materials for the quarterly consolidated results as of December 31, 2025, were made available to investors. The company noted that these documents support a results call s...
Grupo Aval Confirms Interest Payment on Fifth Peso Note Issuance
Feb 24, 2026
Grupo Aval Acciones y Valores S.A., a leading Colombian financial holding company active in banking and capital markets, maintains a presence in the local peso debt market through multiple note issuances aimed at diversifying its funding base. The...
Grupo Aval Confirms Interest Payment on Seventh Peso-Denominated Note Issuance
Feb 17, 2026
Grupo Aval Acciones y Valores S.A., the Colombian financial holding company, operates across banking and capital markets, offering a diversified suite of financial products to clients in Colombia and investors abroad. Its activities include issuin...
Grupo Aval Confirms Execution of February 2026 Dividend Payments as Approved by Shareholders
Feb 2, 2026
Grupo Aval Acciones y Valores S.A., the Colombian financial holding company listed in the U.S. as a foreign private issuer, reported that the dividend payments scheduled for February 2026 were executed as planned. The company stated on February 2,...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.