GRUPO AVAL ACCIONES Y VALORE (AVAL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AVAL - US40053W1018 - ADR
4 USD
+0.01 (+0.25%)
We assign a fundamental rating of 2 out of 10 to AVAL. AVAL was compared to 387 industry peers in the Banks industry. AVAL has a bad profitability rating. Also its financial health evaluation is rather negative. AVAL is quite expensive at the moment. It does show a decent growth rate.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.51%, AVAL is doing worse than 76.74% of the companies in the same industry.
AVAL has a better Return On Equity (9.66%) than 60.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 9.66% | ||
| 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
1.3 Margins
AVAL has a Profit Margin of 8.45%. This is amonst the worse of the industry: AVAL underperforms 87.08% 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) | 8.45% | ||
| 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, AVAL has about the same amount of shares outstanding.
AVAL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AVAL is higher compared to a year ago.
2.2 Solvency
AVAL has a debt to FCF ratio of 28.01. This is a negative value and a sign of low solvency as AVAL would need 28.01 years to pay back of all of its debts.
AVAL's Debt to FCF ratio of 28.01 is on the low side compared to the rest of the industry. AVAL is outperformed by 83.72% of its industry peers.
AVAL has a Debt/Equity ratio of 3.87. This is a high value indicating a heavy dependency on external financing.
AVAL has a worse Debt to Equity ratio (3.87) than 95.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.87 | ||
| Debt/FCF | 28.01 | ||
| 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 growth in Earnings Per Share. In the last year, the EPS has been growing by 47.20%, which is quite impressive.
Measured over the past years, AVAL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -18.31% on average per year.
The Revenue has grown by 8.93% in the past year. This is quite good.
Measured over the past years, AVAL shows a decrease in Revenue. The Revenue has been decreasing by -4.05% on average per year.
EPS 1Y (TTM)47.2%
EPS 3Y-30.57%
EPS 5Y-18.31%
EPS Q2Q%142.22%
Revenue 1Y (TTM)8.93%
Revenue growth 3Y-10.07%
Revenue growth 5Y-4.05%
Sales Q2Q%-7.87%
3.2 Future
AVAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.17% yearly.
The Revenue is expected to grow by 7.06% on average over the next years.
EPS Next Y53.62%
EPS Next 2Y47.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y7.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 accelerating.
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
AVAL's earnings are expected to grow with 47.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y47.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AVAL has a Yearly Dividend Yield of 3.58%.
Compared to an average industry Dividend Yield of 3.33, AVAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, AVAL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
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
5.3 Sustainability
37.00% of the earnings are spent on dividend by AVAL. This is a low number and sustainable payout ratio.
DP37%
EPS Next 2Y47.17%
EPS Next 3YN/A
NYSE:AVAL (11/24/2025, 11:55:07 AM)
4
+0.01 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0.04%
Inst Owner Change-2.45%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.75B
Revenue(TTM)20.29T
Net Income(TTM)1.71T
Analysts76.67
Price TargetN/A
Short Float %0.98%
Short Ratio1.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
Yearly DividendN/A
Dividend Growth(5Y)-11.62%
DP37%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-0.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector 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
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 9.66% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 8.45% | ||
| GM | N/A | ||
| FCFM | 12.09% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.87 | ||
| Debt/FCF | 28.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 91.06% | ||
| Cap/Sales | 6.07% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 143.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
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)47.2%
EPS 3Y-30.57%
EPS 5Y-18.31%
EPS Q2Q%142.22%
EPS Next Y53.62%
EPS Next 2Y47.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.93%
Revenue growth 3Y-10.07%
Revenue growth 5Y-4.05%
Sales Q2Q%-7.87%
Revenue Next Year5.25%
Revenue Next 2Y7.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y151.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y204.39%
OCF growth 3Y-49.01%
OCF growth 5Y-32.63%
GRUPO AVAL ACCIONES Y VALORE / AVAL FAQ
What is the fundamental rating for AVAL stock?
ChartMill assigns a fundamental rating of 2 / 10 to AVAL.
What is the valuation status of GRUPO AVAL ACCIONES Y VALORE (AVAL) stock?
ChartMill assigns a valuation rating of 1 / 10 to GRUPO AVAL ACCIONES Y VALORE (AVAL). This can be considered as Overvalued.
What is the profitability of AVAL stock?
GRUPO AVAL ACCIONES Y VALORE (AVAL) has a profitability rating of 2 / 10.
What is the earnings growth outlook for GRUPO AVAL ACCIONES Y VALORE?
The Earnings per Share (EPS) of GRUPO AVAL ACCIONES Y VALORE (AVAL) is expected to grow by 53.62% in the next year.
Can you provide the dividend sustainability for AVAL stock?
The dividend rating of GRUPO AVAL ACCIONES Y VALORE (AVAL) is 5 / 10 and the dividend payout ratio is 37%.