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GRUPO AVAL ACCIONES Y VALORE (AVAL) Stock Fundamental Analysis

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

3.29  +0.13 (+4.11%)

Fundamental Rating

1

AVAL gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. AVAL may be in some trouble as it scores bad on both profitability and health. AVAL does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past 5 years AVAL has always been profitable.
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 has a Return On Assets of 0.43%. This is in the lower half of the industry: AVAL underperforms 77.61% of its industry peers.
The Return On Equity of AVAL (8.29%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.43%
ROE 8.29%
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

The Profit Margin of AVAL (7.26%) is worse than 85.50% of its industry peers.
In the last couple of years the Profit Margin of AVAL has declined.
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) 7.26%
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

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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 is higher compared to a year ago.
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

The Debt to FCF ratio of AVAL is 99.58, which is on the high side as it means it would take AVAL, 99.58 years of fcf income to pay off all of its debts.
AVAL has a Debt to FCF ratio of 99.58. This is amonst the worse of the industry: AVAL underperforms 84.22% of its industry peers.
A Debt/Equity ratio of 4.00 is on the high side and indicates that AVAL has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 4.00, AVAL is doing worse than 95.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4
Debt/FCF 99.58
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

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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.
The Revenue has been growing slightly by 7.11% in the past year.
AVAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.71% yearly.
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%-7.87%

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.
AVAL is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -4.58% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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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%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.35%, AVAL is a good candidate for dividend investing.
AVAL's Dividend Yield is rather good when compared to the industry average which is at 3.41. AVAL pays more dividend than 80.15% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, AVAL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.35%

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

43.13% of the earnings are spent on dividend by AVAL. This is a bit on the high side, but may be sustainable.
The Dividend Rate of AVAL has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP43.13%
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

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GRUPO AVAL ACCIONES Y VALORE

NYSE:AVAL (8/18/2025, 4:15:00 PM)

3.29

+0.13 (+4.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-12 2025-08-12/bmo
Earnings (Next)11-11 2025-11-11
Inst Owners0.14%
Inst Owner Change0.38%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.91B
Analysts74.29
Price TargetN/A
Short Float %3.05%
Short Ratio4.07
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
Yearly DividendN/A
Dividend Growth(5Y)-11.62%
DP43.13%
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)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
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 0.43%
ROE 8.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.26%
GM N/A
FCFM 3.51%
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-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 4
Debt/FCF 99.58
Debt/EBITDA N/A
Cap/Depr 96.97%
Cap/Sales 6.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 48.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
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%-7.87%
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 1Y1206.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y71.12%
OCF growth 3Y-49.01%
OCF growth 5Y-32.63%