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Grupo Aval Acciones y Valores S.A.

Grupo Aval Acciones y Valores S.A.

AVAL
Grupo Aval Acciones y Valores S.A.US flagNew York Stock Exchange
4.85
USD
+0.14
- -
5.76BMarket Cap
Grupo Aval Acciones y Valores S.A.
AVAL
(New York Stock Exchange)

Recent

price

4.85

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9,869.39
10,312.05
10,179.02
11,653.12
10,582.06
13,246.32
14,608.91
16,008.77
18,169.46
19,330.59
13,833.37
14,370.6
14,067.94
18,659.6
12,944.49
21,463.42
15,260.35
Revenue per Share
1,372.42
1,583.68
1,645.55
1,720.28
1,737.08
1,259.04
1,920.8
1,203
2,614.51
2,723.76
2,108.99
2,960.13
2,145.74
912.22
855.04
2,127.49
1,499
Basic EPS, GAAP
3,204.67
4,818.1
4,769.77
6,572.54
5,012.04
8,354.49
783
3,370.49
6,577.93
3,525.11
7,188.3
3,296.59
-1,157.76
5,862.29
-416.34
7,564.6
- -
Free Cash Flow per Basic Share
684.17
744.15
873.41
995.01
1,111.31
1,145.86
1,131.79
1,173.67
1,013
1,137.22
1,194.06
1,104.83
358.01
946.2
613.37
773.25
- -
Dividend per Share
5.67
173.96
197.85
553
613.13
653.5
699.36
730.22
798.42
890.92
927.13
1,032.88
693.54
706.83
734.99
776.88
782.32
Book Value per Share
-211.73
6.29
44.63
170.19
249.68
202.01
234.51
242.69
176.06
169.38
95.7
69.25
-44.82
-57.25
-77.72
-2.55
-15.73
Tangible Book Value per Share
697
815
928
930
1,045
1,114
1,114
1,114
1,114
1,114
1,114
1,114
1,157
810
1,187
809
1,187
Basic Weighted Avg Shares
6,880,927
8,407,733
9,441,881
10,841,760
11,056,859
14,757,073
16,275,074
17,834,582
20,241,697
21,535,260
15,411,076
16,009,583
16,278,344
15,116,491
15,367,361
17,371,282
18,116,682
Sales/Revenue/Turnover
36.12
- -
35.6
34.96
33.73
35.4
-17.32
27.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
243,410
369,304
412,829
468,087
628,669
776,017
779,528
901,714
957,174
1,298,681
1,401,582
1,446,352
1,090,500
1,111,368
1,236,180
1,365,747
798,748
Depreciation Expense
956,850
1,291,226
1,526,388
1,600,503
1,815,016
2,041,364
2,139,866
1,962,414
2,912,694
3,034,409
2,349,521
3,297,736
2,482,885
739,003
1,015,087
1,721,872
1,779,572
Net Income, GAAP
31.22
32.4
36.01
35.13
37.63
35.96
36.9
35.66
29.31
28
28.09
36.51
36.2
38.24
30.31
31
35.34
Effective Tax Rate (%)
13.91
15.36
16.17
14.76
16.42
13.83
13.15
11
14.39
14.09
15.25
20.6
15.25
4.89
6.61
9.91
9.82
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
18,920,983
21,229,131
25,306,408
30,978,504
34,911,793
47,317,109
45,524,335
45,286,948
51,219,337
54,844,576
58,624,766
73,282,326
72,116,775
61,798,226
69,795,729
64,402,859
70,423,900
LT Debt
4,554,555
8,159,126
9,083,103
16,839,438
21,355,964
22,906,280
24,659,222
25,871,227
29,554,348
33,348,269
35,439,557
39,471,647
30,821,659
31,520,416
33,162,918
34,742,841
34,769,900
Total Equity
8.16
- -
6.58
5.83
4.35
5.14
-2.46
4.37
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
45.97
78.1
44.26
22.98
15.18
9.94
14.19
8.41
17.1
16.12
11.6
15.1
12.58
4.45
5.93
9.59
9.8
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
2,470,163
- -
- -
LT Borrowings
61,572,415
64,431,000
70,423,900
LT Finance Leases
2,830,444
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
23,743
23,743
23,743
Market Capitalization
362,871,988
385,502,927
410,087,158

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
48,956,318
52,826,000
51,861,400
Accounts Receivable, Net
- -
25,281,500
26,553,100
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4,978,673
228,500
74,700
ST Debt
2,470,163
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.76%
0.34%
4.76%
Free Cash Flow
-170.17%
-418.84%
-1,338.67%
Net Income, GAAP
7.9%
10.48%
69.63%
Sales/Revenue/Turnover
2.44%
2.62%
13.04%
Total Cash Common Dividend
12.61%
-1.57%
-14.06%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,053,000
3,908,400
4,129,500
3,968,634
15,367,361
2025
4,301,800
4,278,100
4,550,100
3,859,982
17,371,282
2026
4,845,200
4,861,400
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
95.77
172.09
350.16
237.02
855.04
2025
304.5
416.87
438.86
- -
2,127.49
2026
283.53
486.45
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
613.37
2025
- -
- -
- -
- -
773.25
2026
- -
- -
- -
- -
- -
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Business
Grupo Aval Acciones y Valores S.A. is a leading Colombian financial conglomerate that provides a broad range of banking, investment, pension, and related financial services to public and private sector customers primarily in Colombia and Central America. The company operates through subsidiaries including Banco de Bogotá, Banco de Occidente, Banco Popular, Banco AV Villas, Porvenir (pension and severance fund management), and Corficolombiana (merchant banking); it offers traditional deposit products such as checking accounts, savings accounts, and time deposits; commercial loans including general purpose loans, working capital loans, financial leases, development bank-funded loans, corporate credit cards, and overdrafts; consumer loans encompassing payroll loans, personal loans, automobile and vehicle loans, credit cards, overdrafts, and leases; mortgage and microcredit loans; pension and severance fund management services; investment banking services covering capital markets, mergers and acquisitions, and project finance; mobile and online banking; bancassurance and insurance brokerage; trust services; bonded warehousing; real estate escrow; merchandise and document storage; customs agency; cargo management; surety bonds; merchandise distribution; and payment and collection services. Founded in 1994 and headquartered in Bogotá, Colombia, Grupo Aval maintains significant operations in Colombia with additional presence in Central America through BAC Credomatic and in Panama via Banco de Bogotá. In recent developments, the company acquired 40.77% of Casa de Bolsa (renamed Aval Casa de Bolsa) and 95.4% of Fiduciaria Corficolombiana (renamed Aval Fiduciaria) to enhance its comprehensive financial services offering; entered an alliance with Visa granting exclusivity in Colombia for the FIFA World Cup; integrated trust funds, estates, and operations of Fiduciaria Bogotá and Fiduciaria La Previsora; expanded leadership in asset and wealth management in Colombia and abroad; deepened its commercial model with BAC and implemented a new integrated model across its banks; reported gross loans of Ps 203.4 trillion and deposits of Ps 212.6 trillion as of September 2025 with improved loan quality metrics including 90-day past due loans at 3.4%; and achieved attributable net income of Ps 521 billion for Q3 2025.

Company News

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