GRUPO AVAL ACCIONES Y VALORE (AVAL)
US40053W1018 - ADR
Taking everything into account, AVAL scores 2 out of 10 in our fundamental rating. AVAL was compared to 412 industry peers in the Banks industry. AVAL may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, AVAL is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
AVAL had positive earnings in each of the past 5 years.
Of the past 5 years AVAL 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.48%, AVAL is doing worse than 80.29% of the companies in the same industry.
AVAL has a Return On Equity (8.57%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 8.57% | ||
| ROIC | N/A |
ROA(3y)0.73%
ROA(5y)0.8%
ROE(3y)12.46%
ROE(5y)12.81%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of AVAL (7.53%) is worse than 91.00% of its industry peers.
AVAL's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for AVAL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 7.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.75%
PM growth 5Y-11.4%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for AVAL remains at a similar level compared to 1 year ago.
Compared to 5 years ago, AVAL has more shares outstanding
The debt/assets ratio for AVAL has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AVAL is 13.92, which is on the high side as it means it would take AVAL, 13.92 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 13.92, AVAL is doing worse than 82.00% of the companies in the same industry.
AVAL has a Debt/Equity ratio of 3.91. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.91, AVAL is doing worse than 96.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.91 | ||
| Debt/FCF | 13.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AVAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -42.43%.
AVAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.26% yearly.
The Revenue has been growing slightly by 0.28% in the past year.
Measured over the past years, AVAL shows a decrease in Revenue. The Revenue has been decreasing by -1.99% on average per year.
EPS 1Y (TTM)-42.43%
EPS 3Y-16.87%
EPS 5Y-14.26%
EPS growth Q2Q283.18%
Revenue 1Y (TTM)0.28%
Revenue growth 3Y-8.94%
Revenue growth 5Y-1.99%
Revenue growth Q2Q8.65%
3.2 Future
AVAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 61.70% yearly.
AVAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.31% yearly.
EPS Next Y90.19%
EPS Next 2Y61.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.13%
Revenue Next 2Y12.31%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as AVAL's earnings are expected to grow with 61.70% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y61.7%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.18%, AVAL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.83, AVAL pays a better dividend. On top of this AVAL pays more dividend than 83.45% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, AVAL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
5.2 History
The dividend of AVAL decreases each year by -8.61%.
AVAL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.61%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
AVAL pays out 53.30% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP53.3%
EPS Next 2Y61.7%
EPS Next 3YN/A
GRUPO AVAL ACCIONES Y VALORE
NYSE:AVAL (4/26/2024, 7:04:00 PM)
2.43
+0.04 (+1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.88B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 8.57% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 7.53% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.91 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-42.43%
EPS 3Y-16.87%
EPS 5Y
EPS growth Q2Q
EPS Next Y90.19%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.28%
Revenue growth 3Y-8.94%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y