Grupo Aval Acciones Y Valores S.A. (AVAL) stock analysis
Close on Nov 11, 2026
StockData Score
Prices as of Nov 11, 2026How the score works
Weak1 of 30 checks passed
Grupo Aval Acciones Y Valores passes 1 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 1/6
- Past performance
- 0/6
- Financial health
- 0/6
- Dividend
- 0/6
What stands out
Earnings growth accelerating
Net income grew 69.6% over the last twelve months, against a 5-year average of -6.0% a year.
What to watch
Return on equity under 15%
Return on equity was 9.6% over the last twelve months and averaged 9.5% over five years; we look for 15% on both.
Earnings shrank over 5 years
Net income shrank 6.0% a year on average over the last five fiscal years.
Revenue growing under 10% a year
Revenue grew 6.1% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew -12.2% a year over the last three fiscal years.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth1/6
Revenue growing under 10% a year
Revenue grew 6.1% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew -12.2% a year over the last three fiscal years.
Earnings growth accelerating
Net income grew 69.6% over the last twelve months, against a 5-year average of -6.0% a year.
Growing slower than the industry
Revenue grew -0.8% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin slipping
Gross margin was 4.7% over the last twelve months, against 5.5% a year earlier.
Past performance0/6
Return on equity under 15%
Return on equity was 9.6% over the last twelve months and averaged 9.5% over five years; we look for 15% on both.
Return on assets under 1%
Return on assets was 0.5%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Grupo Aval Acciones Y Valores's return on equity of 9.6% is below the Commercial Banks median of 11.5%.
Earnings shrank over 5 years
Net income shrank 6.0% a year on average over the last five fiscal years.
Net margin below its 5-year average
Net margin was 3.9% over the last twelve months, against a 5-year average of 4.6%.
Net margin below the industry
Grupo Aval Acciones Y Valores's net margin of 3.9% is below the Commercial Banks median of 30.3%.
Financial health0/6
Thin capital
Equity is 5.3% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
Efficient operations
Needs non-interest expense and revenue.
Deposits growing
Needs deposits a year ago.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Grupo Aval Acciones Y Valores has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Grupo Aval Acciones Y Valores. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $778.71K
- Value traded per 1% price move
- $403.67K
Downside
Medium risk
- Typical loss in a bad month
- 17.5%
- Volatility (annualized)
- 46%
- Sharpe ratio, 1 year
- -0.17
- Beta to the S&P 500 (5Y)
- 0.57
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2014 to 2025
Gross margin
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -0.8% | +6.1% | +3.0% | +7.7% | |
| Gross profit | -15.7% | -22.8% | -5.9% | – | |
| Net income | +69.6% | -11.5% | -6.0% | -1.7% | |
| EPS, diluted | +69.6% | -12.2% | -7.2% | – | |
| Free cash flow | +4181.6% | – | -6.3% | -4.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 11.6% | 9.6% | |
| Return on assets | – | 0.8% | 0.5% | |
| Capex to revenue | 2.6% | 1.7% | 1.4% | |
| Diluted shares | – | 15.14B | 16.19B |
Where the cash went
Fiscal 2021 to 2025, five years combined
Grupo Aval Acciones Y Valores generated 20.30T COP from operations and spent 6.76T COP on capital expenditure, dividends and share buybacks. 44% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 3.9% | 0.13× | 18.85× | 9.6% |
| FY2024 | 2.3% | 0.14× | 18.37× | 5.9% |
| FY2023 | 1.6% | 0.15× | 17.95× | 4.4% |
| FY2022 | 6.7% | 0.11× | 16.78× | 12.6% |
| FY2021 | 8.4% | 0.11× | 15.80× | 15.1% |
| FY2020 | 6.1% | 0.13× | 14.85× | 11.6% |
| FY2019 | 8.2% | 0.14× | 14.31× | 16.1% |
| FY2018 | 8.5% | 0.14× | 14.56× | 17.1% |
| FY2017 | 6.2% | 0.14× | 14.44× | 12.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero1.72T COP
- Cash generatingOperating cash flow above zero7.38T COP
- Return on assets improvedROA up on the prior year0.3% → 0.5%
- Earnings backed by cashOperating cash flow above net income7.38T COP vs 1.72T COP
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise16.20B → 16.19B
- Gross margin improvedGross margin up on the prior year5.52% → 4.69%
- More efficientAsset turnover rose0.15 → 0.14
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