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Grupo Aval Acciones y Valores S.A. logo

Grupo Aval Acciones y Valores S.A.

AVAL

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$5.46

+$0.03 · +0.55%

Aug 21, 4:00 PM ET

AVAL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

80

Undervalued

Momentum

51

Neutral

Sentiment

53

Mixed

Risk resilience

55

Elevated Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Grupo Aval Acciones y Valores SA engages in the provision of financial services and products. It operates through the following segments: Banking Services, Merchant Banking, Pension and Severance Fund Management, and Holding. The Banking Services segment focuses on banking services, fund management and trust businesses, storage companies, and entities that manage low-value payment systems. The Merchant Banking segment is involved in the financial Sector, gas and energy sector, infrastructure sector, hotel sector, and agribusiness sector. The Pension and Severance Fund Management segment refers to the administrator of pension and severance funds. The Holding segment consists of Grupo Aval and Grupo Aval Limited. The company was founded by Luis Carlos Sarmiento Angulo on January 7, 1994 and is headquartered in Bogota, Colombia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
CO
CEO
Luis Carlos Sarmiento Gutiérrez
Listed since
Sep 23, 2014
Employees
78,827

Market position

Day range

Current $5.46

52-week range

Current $5.46

Open
$5.485
Previous close
$5.43
Volume
208.82K
0.85× average
Average volume
245.02K
Average daily volume
Market cap
6.48B USD
Beta
0.38
Market reference 1
50-day average
$5.1766
+5.47% above average
200-day average
$4.5655
+19.59% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
67.41T COP
P/E (TTM)
11.52×
P/B (TTM)
1.1×
P/S (TTM)
0.47×
EV / EBITDA
17.47×
Earnings yield
8.84%
Free cash flow yield
8.00%
Dividend yield
2.92%

Profitability & efficiency

Gross margin
45.11%
Operating margin
11.99%
Net margin
4.10%
Return on equity
8.70%
Return on assets
0.46%
Return on invested capital
0.72%

Financial health

Debt / equity
3.79×
Current ratio
0×
Altman Z-score
0.29
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends68%44%20%-4%Gross margin, FY2021: 62.01%Gross margin, FY2022: 47.09%Gross margin, FY2023: 28.76%Gross margin, FY2024: 30.57%Gross margin, FY2025: 50.90%Operating margin, FY2021: 30.79%Operating margin, FY2022: 22.45%Operating margin, FY2023: 9.07%Operating margin, FY2024: 8.49%Operating margin, FY2025: 9.12%Net margin, FY2021: 15.95%Net margin, FY2022: 8.89%Net margin, FY2023: 1.92%Net margin, FY2024: 2.75%Net margin, FY2025: 3.79%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 62.01%. Gross margin FY2022 47.09%. Gross margin FY2023 28.76%. Gross margin FY2024 30.57%. Gross margin FY2025 50.90%. Operating margin FY2021 30.79%. Operating margin FY2022 22.45%. Operating margin FY2023 9.07%. Operating margin FY2024 8.49%. Operating margin FY2025 9.12%. Net margin FY2021 15.95%. Net margin FY2022 8.89%. Net margin FY2023 1.92%. Net margin FY2024 2.75%. Net margin FY2025 3.79%.

Income trends

Revenue

42.33T COP+14.49%

Operating income

3.86T COP+22.99%

Net income

1.6T COP+57.98%
Income trends across reported periods46.49T COP29.85T COP13.22T COP−3.42T COPRevenue, FY2021: 20.67T COPRevenue, FY2022: 27.94T COPRevenue, FY2023: 38.44T COPRevenue, FY2024: 36.97T COPRevenue, FY2025: 42.33T COPOperating income, FY2021: 6.36T COPOperating income, FY2022: 6.27T COPOperating income, FY2023: 3.49T COPOperating income, FY2024: 3.14T COPOperating income, FY2025: 3.86T COPNet income, FY2021: 3.3T COPNet income, FY2022: 2.48T COPNet income, FY2023: 739B COPNet income, FY2024: 1.02T COPNet income, FY2025: 1.6T COPFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 20.67T COP. Revenue FY2022 27.94T COP. Revenue FY2023 38.44T COP. Revenue FY2024 36.97T COP. Revenue FY2025 42.33T COP. Operating income FY2021 6.36T COP. Operating income FY2022 6.27T COP. Operating income FY2023 3.49T COP. Operating income FY2024 3.14T COP. Operating income FY2025 3.86T COP. Net income FY2021 3.3T COP. Net income FY2022 2.48T COP. Net income FY2023 739B COP. Net income FY2024 1.02T COP. Net income FY2025 1.6T COP.
Metric (COP)FY2025FY2024FY2023FY2022FY2021
Revenue42.33T COP36.97T COP38.44T COP27.94T COP20.67T COP
Cost of goods sold20.78T COP25.67T COP27.38T COP14.78T COP7.85T COP
Gross profit21.54T COP11.3T COP11.05T COP13.16T COP12.82T COP
Selling, general, and administrative3.01T COP4.36T COP4.05T COP3.7T COP3.42T COP
Operating expenses17.69T COP8.17T COP7.57T COP6.88T COP6.45T COP
Interest income23.92T COP28.18T COP28.92T COP19.4T COP12.79T COP
Interest expense16.81T COP20.91T COP22.63T COP11.66T COP4.66T COP
Depreciation and amortization—1.27T COP1.15T COP1.09T COP1.45T COP
Operating income3.86T COP3.14T COP3.49T COP6.27T COP6.36T COP
Net income1.6T COP1.02T COP739B COP2.48T COP3.3T COP

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
40%
4 beats, 5 misses, 1 met estimate
Average EPS surprise
-13.17%
10 comparable reports
Latest EPS result
0.13
Estimate 0.12 · Beat by 8.33%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.170.130.090.04Q1 '25MissQ2 '25MissQ3 '25MetQ4 '25BeatQ1 '26BeatQ2 '26No estimateQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 20, 2025: actual 0.05, estimate 0.07, surprise -28.57%, Miss. Q2 2025, reported May 12, 2025: actual 0.07, estimate 0.1, surprise -30.00%, Miss. Q3 2025, reported Aug 12, 2025: actual 0.1, estimate 0.1, surprise 0.00%, Met estimate. Q4 2025, reported Nov 13, 2025: actual 0.11, estimate 0.1, surprise +10.00%, Beat. Q1 2026, reported Feb 26, 2026: actual 0.12, estimate 0.1, surprise +20.00%, Beat. Q2 2026, reported May 12, 2026: actual 0.08, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 12, 2026: actual 0.13, estimate 0.12, surprise +8.33%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 0.12, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates2.55B1.96B1.37B777.76MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 20, 2025: actual 900.07M USD, estimate 1B USD, surprise -10.16%, Miss. Q2 2025, reported May 12, 2025: actual 2.16B USD, estimate 1.1B USD, surprise +96.15%, Beat. Q3 2025, reported Aug 12, 2025: actual 2.32B USD, estimate 1.11B USD, surprise +108.64%, Beat. Q4 2025, reported Nov 13, 2025: actual 2.43B USD, estimate 1.24B USD, surprise +95.59%, Beat. Q1 2026, reported Feb 26, 2026: actual 1.16B USD, estimate 1.23B USD, surprise -6.03%, Miss. Q2 2026, reported May 12, 2026: actual 1.39B USD, estimate 1.18B USD, surprise +17.35%, Beat. Q3 2026, reported Aug 12, 2026: actual 1.58B USD, estimate 1.49B USD, surprise +6.43%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 1.67B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

6 ratings
Strong buy00%
Buy233%
Hold350%
Sell117%
Strong sell00%

Recent analyst actions

1 institution

AVAL news

seekingalpha.com

Grupo Aval Acciones y Valores S.A. (AVAL) Q2 2026 Earnings Call Transcript

Grupo Aval Acciones y Valores S.A. (AVAL) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

Grupo Aval Acciones y Valores Q2 Earnings Call Highlights

Grupo Aval Acciones y Valores NYSE: AVAL reported second-quarter attributed net income of COP 577 billion, up 17% from the same period a year earlier, as loan and deposit growth, investment-portfolio performance and…

Read source
seekingalpha.com

Grupo Aval: Further Upside As Election Catalyst Plays Out

Grupo Aval Acciones y Valores S.A. stands to benefit from Colombia's incoming new presidential administration. AVAL's Q1 earnings were pressured by rate hikes and political uncertainty, but stabilization is expected if…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.1316

2025 complete year-59.6% since 2020

2026 partial: $0.1024

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Aug 31, 2026

$0.0144

Monthly

Record Aug 31, 2026 · Payment Sep 9, 2026

DividendUpcoming

Ex-dividend Sep 30, 2026

$0.0165

Monthly

Record Sep 30, 2026 · Payment Oct 8, 2026

DividendUpcoming

Ex-dividend Nov 2, 2026

$0.0165

Monthly

Record Nov 2, 2026 · Payment Nov 10, 2026

DividendUpcoming

Ex-dividend Dec 31, 2026

$0.0165

Monthly

Record Dec 31, 2026 · Payment Jan 11, 2027

DividendUpcoming

Ex-dividend Jan 29, 2027

$0.0165

Monthly

Record Jan 29, 2027 · Payment Feb 8, 2027

DividendUpcoming

Ex-dividend Feb 26, 2027

$0.0165

Monthly

Record Feb 26, 2027 · Payment Mar 8, 2027

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$580.63

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Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding AVAL

Funds reporting this stock among their holdings, ordered by reported position size.

Dimensional - Emerging Markets Core Equity 2 ETF logoDimensional - Emerging Markets Core Equity 2 ETFDFEM
Market value
187.29K
Weight
0.00%
AUM
9.49B USD
Expense ratio
0.39%
Price / 1D
$39.93+0.50%
Dimensional World ex U.S. Core Equity 2 ETF logoDimensional World ex U.S. Core Equity 2 ETFDFAX
Market value
101.46K
Weight
0.00%
AUM
12.57B USD
Expense ratio
0.28%
Price / 1D
$38.16+0.82%
ActivePassive International Equity ETF logoActivePassive International Equity ETFAPIE
Market value
47.7K
Weight
—
AUM
953.79M USD
Expense ratio
0.45%
Price / 1D
$39.766+1.16%
National Security Emerging Markets Index ETF logoNational Security Emerging Markets Index ETFNSI
Market value
43.43K
Weight
0.11%
AUM
42M USD
Expense ratio
0.75%
Price / 1D
$38.3255+1.15%
Dimensional - Emerging Markets ex China Core Equity ETF logoDimensional - Emerging Markets ex China Core Equity ETFDEXC
Market value
34.45K
Weight
0.01%
AUM
320.38M USD
Expense ratio
0.56%
Price / 1D
$78.40+0.39%

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