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GRUPO AVAL ACCIONES Y VALORE (AVAL) Stock Fundamental Analysis

USA - NYSE:AVAL - US40053W1018 - ADR

3.84 USD
+0.14 (+3.78%)
Last: 10/17/2025, 8:04:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to AVAL. AVAL was compared to 391 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

Each year in the past 5 years AVAL has 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

With a Return On Assets value of 0.51%, AVAL is not doing good in the industry: 73.66% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 9.66%, AVAL is in the better half of the industry, outperforming 63.17% of the companies in the same 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 8.45%, AVAL is doing worse than 85.42% of the companies in the same industry.
AVAL's Profit Margin has declined in the last couple of years.
AVAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2015 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.
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

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.
Looking at the Debt to FCF ratio, with a value of 28.01, AVAL is doing worse than 83.89% of the companies in the same industry.
AVAL has a Debt/Equity ratio of 3.87. This is a high value indicating a heavy dependency on external 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 95.14% 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 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

The Earnings Per Share has grown by an impressive 47.20% over the past year.
AVAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.31% yearly.
The Revenue has grown by 8.93% in the past year. This is quite good.
The Revenue has been decreasing by -4.05% on average over the past years.
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.
AVAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.06% yearly.
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.
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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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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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.08%, AVAL is a good candidate for dividend investing.
AVAL's Dividend Yield is a higher than the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.38, AVAL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.08%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

AVAL pays out 37.00% of its income as dividend. This is a 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 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 (10/17/2025, 8:04:00 PM)

3.84

+0.14 (+3.78%)

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 Owners0.04%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.56B
Analysts76.67
Price TargetN/A
Short Float %0.44%
Short Ratio0.95
Dividend
Industry RankSector Rank
Dividend Yield 4.08%
Yearly DividendN/A
Dividend Growth(5Y)-11.62%
DP37%
Div Incr Years0
Div Non Decr Years0
Ex-Date11-28 2025-11-28 (0.011506)
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)3.13%
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 0.51%
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
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-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%