Logo image of AVAL

GRUPO AVAL ACCIONES Y VALORE (AVAL) Stock Fundamental Analysis

NYSE:AVAL - New York Stock Exchange, Inc. - US40053W1018 - ADR - Currency: USD

2.8  -0.03 (-1.06%)

Fundamental Rating

1

AVAL gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of AVAL have multiple concerns. AVAL has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

AVAL had positive earnings in each of the past 5 years.
AVAL had a positive operating cash flow in 4 of the past 5 years.
AVAL Yearly Net Income VS EBIT VS OCF VS FCFAVAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T -2T 4T 6T 8T 10T

1.2 Ratios

AVAL's Return On Assets of 0.36% is on the low side compared to the rest of the industry. AVAL is outperformed by 81.27% of its industry peers.
AVAL's Return On Equity of 6.74% is on the low side compared to the rest of the industry. AVAL is outperformed by 63.80% of its industry peers.
Industry RankSector Rank
ROA 0.36%
ROE 6.74%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.65%
ROE(3y)9.93%
ROE(5y)11.1%
ROIC(3y)N/A
ROIC(5y)N/A
AVAL Yearly ROA, ROE, ROICAVAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

AVAL has a Profit Margin of 6.12%. This is amonst the worse of the industry: AVAL underperforms 86.84% 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 RankSector Rank
OM N/A
PM (TTM) 6.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.13%
PM growth 5Y-13.77%
GM growth 3YN/A
GM growth 5YN/A
AVAL Yearly Profit, Operating, Gross MarginsAVAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

More info and screens

0

2. Health

2.1 Basic Checks

Compared to 1 year ago, AVAL has about the same amount of shares outstanding.
Compared to 5 years ago, AVAL has more shares outstanding
Compared to 1 year ago, AVAL has a worse debt to assets ratio.
AVAL Yearly Shares OutstandingAVAL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
AVAL Yearly Total Debt VS Total AssetsAVAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100T 200T 300T

2.2 Solvency

AVAL has a Debt/Equity ratio of 4.17. This is a high value indicating a heavy dependency on external financing.
AVAL has a Debt to Equity ratio of 4.17. This is amonst the worse of the industry: AVAL underperforms 96.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
AVAL Yearly LT Debt VS Equity VS FCFAVAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20T 40T 60T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AVAL Yearly Current Assets VS Current LiabilitesAVAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5T 10T 15T 20T

More info and screens

2

3. Growth

3.1 Past

AVAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.92%.
The Earnings Per Share has been growing slightly by 0.48% on average over the past years.
AVAL shows a small growth in Revenue. In the last year, the Revenue has grown by 7.11%.
Measured over the past years, AVAL shows a quite strong growth in Revenue. The Revenue has been growing by 10.71% on average per year.
EPS 1Y (TTM)-20.92%
EPS 3Y2.09%
EPS 5Y0.48%
EPS Q2Q%N/A
Revenue 1Y (TTM)7.11%
Revenue growth 3Y10.82%
Revenue growth 5Y10.71%
Sales Q2Q%-8.13%

3.2 Future

AVAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.52% yearly.
Based on estimates for the next years, AVAL will show a decrease in Revenue. The Revenue will decrease by -4.58% on average per year.
EPS Next Y43.78%
EPS Next 2Y12.52%
EPS Next 3Y-31.86%
EPS Next 5Y-8.52%
Revenue Next Year10.09%
Revenue Next 2Y-10.38%
Revenue Next 3Y-9.92%
Revenue Next 5Y-4.58%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AVAL Yearly Revenue VS EstimatesAVAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5T 10T 15T 20T 25T
AVAL Yearly EPS VS EstimatesAVAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1K 2K 3K

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
AVAL Price Earnings VS Forward Price EarningsAVAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AVAL Per share dataAVAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

A cheap valuation may be justified as AVAL's earnings are expected to decrease with -31.86% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.52%
EPS Next 3Y-31.86%

More info and screens

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.55%, AVAL is a good candidate for dividend investing.
AVAL's Dividend Yield is rather good when compared to the industry average which is at 3.45. AVAL pays more dividend than 82.03% of the companies in the same industry.
AVAL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.55%

5.2 History

The dividend of AVAL decreases each year by -11.62%.
AVAL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-11.62%
Div Incr Years0
Div Non Decr Years0
AVAL Yearly Dividends per shareAVAL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

AVAL pays out 61.90% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of AVAL has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP61.9%
EPS Next 2Y12.52%
EPS Next 3Y-31.86%
AVAL Yearly Income VS Free CF VS DividendAVAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T -2T 4T 6T 8T
AVAL Dividend Payout.AVAL Dividend Payout, showing the Payout Ratio.AVAL Dividend Payout.PayoutRetained Earnings

More info and screens

GRUPO AVAL ACCIONES Y VALORE

NYSE:AVAL (5/28/2025, 4:15:00 PM)

2.8

-0.03 (-1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-12 2025-05-12
Earnings (Next)08-12 2025-08-12
Inst Owners0.18%
Inst Owner Change16.21%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.32B
Analysts72.5
Price TargetN/A
Short Float %0.11%
Short Ratio0.13
Dividend
Industry RankSector Rank
Dividend Yield 4.55%
Yearly DividendN/A
Dividend Growth(5Y)-11.62%
DP61.9%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-30 2025-09-30 (0.010487)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-15.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-7.44%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.36%
ROE 6.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.12%
GM N/A
FCFM N/A
ROA(3y)0.55%
ROA(5y)0.65%
ROE(3y)9.93%
ROE(5y)11.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.13%
PM growth 5Y-13.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 103.66%
Cap/Sales 6.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)107.18%
Cap/Depr(5y)99.14%
Cap/Sales(3y)6.57%
Cap/Sales(5y)5.86%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-20.92%
EPS 3Y2.09%
EPS 5Y0.48%
EPS Q2Q%N/A
EPS Next Y43.78%
EPS Next 2Y12.52%
EPS Next 3Y-31.86%
EPS Next 5Y-8.52%
Revenue 1Y (TTM)7.11%
Revenue growth 3Y10.82%
Revenue growth 5Y10.71%
Sales Q2Q%-8.13%
Revenue Next Year10.09%
Revenue Next 2Y-10.38%
Revenue Next 3Y-9.92%
Revenue Next 5Y-4.58%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-111.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-86.97%
OCF growth 3Y-49.01%
OCF growth 5Y-32.63%