GRUPO AVAL ACCIONES Y VALORE (AVAL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:AVAL • US40053W1018

4.69 USD
-0.19 (-3.89%)
Last: Feb 4, 2026, 08:04 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to AVAL. AVAL was compared to 383 industry peers in the Banks industry. AVAL has a bad profitability rating. Also its financial health evaluation is rather negative. AVAL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • Each year in the past 5 years AVAL has been profitable.
  • Of the past 5 years AVAL 4 years had a positive operating cash flow.
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 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 0.51%. This is in the lower half of the industry: AVAL underperforms 77.02% of its industry peers.
  • The Return On Equity of AVAL (9.66%) is comparable to the rest of the industry.
Industry RankSector 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
AVAL Yearly ROA, ROE, ROICAVAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • AVAL's Profit Margin of 8.45% is on the low side compared to the rest of the industry. AVAL is outperformed by 86.68% 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) 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
AVAL Yearly Profit, Operating, Gross MarginsAVAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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0

2. Health

2.1 Basic Checks

  • AVAL has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for AVAL has been increased compared to 5 years ago.
  • AVAL has a worse debt/assets ratio than last year.
AVAL Yearly Shares OutstandingAVAL Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100T 200T 300T

2.2 Solvency

  • The Debt to FCF ratio of AVAL is 28.01, which is on the high side as it means it would take AVAL, 28.01 years of fcf income to pay off all of its debts.
  • AVAL has a Debt to FCF ratio of 28.01. This is amonst the worse of the industry: AVAL underperforms 82.77% of its industry peers.
  • A Debt/Equity ratio of 3.87 is on the high side and indicates that AVAL has dependencies on debt financing.
  • AVAL's Debt to Equity ratio of 3.87 is on the low side compared to the rest of the industry. AVAL is outperformed by 94.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.87
Debt/FCF 28.01
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5T 10T 15T 20T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • AVAL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.93%.
  • AVAL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.05% yearly.
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

  • The Earnings Per Share is expected to grow by 47.17% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, AVAL will show a small growth in Revenue. The Revenue will grow by 7.06% on average per year.
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

  • 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.
AVAL Yearly Revenue VS EstimatesAVAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1K 2K 3K

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1

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 more expensive valuation may be justified as AVAL's earnings are expected to grow with 47.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y47.17%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.97%, AVAL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.64, AVAL has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, AVAL pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.97%

5.2 History

  • The dividend of AVAL decreases each year by -11.62%.
  • AVAL has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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
AVAL Yearly Income VS Free CF VS DividendAVAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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 (2/4/2026, 8:04:23 PM)

4.69

-0.19 (-3.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-12
Earnings (Next)02-16
Inst Owners0.04%
Inst Owner Change7.86%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.57B
Revenue(TTM)20.29T
Net Income(TTM)1.71T
Analysts50
Price TargetN/A
Short Float %0.39%
Short Ratio0.55
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
Yearly DividendN/A
Dividend Growth(5Y)-11.62%
DP37%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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.


Can you provide the valuation status for GRUPO AVAL ACCIONES Y VALORE?

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 financial health of GRUPO AVAL ACCIONES Y VALORE (AVAL) stock?

The financial health rating of GRUPO AVAL ACCIONES Y VALORE (AVAL) is 0 / 10.