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GRUP

Grupo Aval Acciones y Valores BVC:GRUPOAVAL Stock Report

Last Price

Col$845.00

Market Cap

Col$19.5t

7D

11.2%

1Y

-21.0%

Updated

28 Jun, 2022

Data

Company Financials +
GRUPOAVAL fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance3/6
Financial Health4/6
Dividends4/6

GRUPOAVAL Stock Overview

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America.

Grupo Aval Acciones y Valores Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Grupo Aval Acciones y Valores
Historical stock prices
Current Share PriceCol$845.00
52 Week HighCol$1,180.00
52 Week LowCol$751.30
Beta0.75
1 Month Change9.73%
3 Month Change-21.18%
1 Year Change-21.03%
3 Year Change-33.73%
5 Year Change-31.58%
Change since IPO169.11%

Recent News & Updates

Shareholder Returns

GRUPOAVALCO BanksCO Market
7D11.2%-5.6%-8.5%
1Y-21.0%-1.3%-4.3%

Return vs Industry: GRUPOAVAL underperformed the CO Banks industry which returned -1.3% over the past year.

Return vs Market: GRUPOAVAL underperformed the CO Market which returned -4.3% over the past year.

Price Volatility

Is GRUPOAVAL's price volatile compared to industry and market?
GRUPOAVAL volatility
GRUPOAVAL Average Weekly Movement7.6%
Banks Industry Average Movement5.9%
Market Average Movement5.9%
10% most volatile stocks in CO Market7.7%
10% least volatile stocks in CO Market3.5%

Stable Share Price: GRUPOAVAL is more volatile than 75% of CO stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: GRUPOAVAL's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of CO stocks.

About the Company

FoundedEmployeesCEOWebsite
199470,247Luis Carlos Sarmiento Gutierrezhttps://www.grupoaval.com

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. It offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. The company also provides commercial loans comprising general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans, such as payroll loans, personal loans, automobile and other vehicle loans, credit cards, overdrafts, leases, and general purpose loans; and microcredit and mortgage loans.

Grupo Aval Acciones y Valores Fundamentals Summary

How do Grupo Aval Acciones y Valores's earnings and revenue compare to its market cap?
GRUPOAVAL fundamental statistics
Market CapCol$19.49t
Earnings (TTM)Col$4.11t
Revenue (TTM)Col$21.51t

4.9x

P/E Ratio

1.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
GRUPOAVAL income statement (TTM)
RevenueCol$21.51t
Cost of RevenueCol$0
Gross ProfitCol$21.51t
Other ExpensesCol$17.40t
EarningsCol$4.11t

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)173.21
Gross Margin100.00%
Net Profit Margin19.12%
Debt/Equity Ratio209.3%

How did GRUPOAVAL perform over the long term?

See historical performance and comparison

Dividends

6.4%

Current Dividend Yield

29%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is GRUPOAVAL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for GRUPOAVAL?

Other financial metrics that can be useful for relative valuation.

GRUPOAVAL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-0.6x

Price to Earnings Ratio vs Peers

How does GRUPOAVAL's PE Ratio compare to its peers?

GRUPOAVAL PE Ratio vs Peers
The above table shows the PE ratio for GRUPOAVAL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average6x
BOGOTA Banco de Bogotá
3xn/aCol$16.5t
PFDAVVNDA Banco Davivienda
9.3x14.5%Col$15.3t
BCOLOMBIA Bancolombia
6.7x5.1%Col$34.0t
GRUBOLIVAR Grupo Bolívar
5xn/aCol$5.5t
GRUPOAVAL Grupo Aval Acciones y Valores
4.9x-7.9%Col$19.5t

Price-To-Earnings vs Peers: GRUPOAVAL is good value based on its Price-To-Earnings Ratio (4.9x) compared to the peer average (6x).


Price to Earnings Ratio vs Industry

How does GRUPOAVAL's PE Ratio compare vs other companies in the South American Banks Industry?

Price-To-Earnings vs Industry: GRUPOAVAL is good value based on its Price-To-Earnings Ratio (4.9x) compared to the CO Banks industry average (5.2x)


Price to Earnings Ratio vs Fair Ratio

What is GRUPOAVAL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GRUPOAVAL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio4.9x
Fair PE Ratio7.6x

Price-To-Earnings vs Fair Ratio: GRUPOAVAL is good value based on its Price-To-Earnings Ratio (4.9x) compared to the estimated Fair Price-To-Earnings Ratio (7.6x).


Share Price vs Fair Value

What is the Fair Price of GRUPOAVAL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: GRUPOAVAL (COP845) is trading below our estimate of fair value (COP1159.76)

Significantly Below Fair Value: GRUPOAVAL is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: GRUPOAVAL's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


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Future Growth

How is Grupo Aval Acciones y Valores forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


-7.9%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: GRUPOAVAL's earnings are forecast to decline over the next 3 years (-7.9% per year).

Earnings vs Market: GRUPOAVAL's earnings are forecast to decline over the next 3 years (-7.9% per year).

High Growth Earnings: GRUPOAVAL's earnings are forecast to decline over the next 3 years.

Revenue vs Market: GRUPOAVAL's revenue is expected to decline over the next 3 years (-0.5% per year).

High Growth Revenue: GRUPOAVAL's revenue is forecast to decline over the next 3 years (-0.5% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: GRUPOAVAL's Return on Equity is forecast to be low in 3 years time (14.8%).


Discover growth companies

Past Performance

How has Grupo Aval Acciones y Valores performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


6.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: GRUPOAVAL has a high level of non-cash earnings.

Growing Profit Margin: GRUPOAVAL's current net profit margins (19.1%) are higher than last year (13.8%).


Past Earnings Growth Analysis

Earnings Trend: GRUPOAVAL's earnings have grown by 6.8% per year over the past 5 years.

Accelerating Growth: GRUPOAVAL's earnings growth over the past year (87.8%) exceeds its 5-year average (6.8% per year).

Earnings vs Industry: GRUPOAVAL earnings growth over the past year (87.8%) underperformed the Banks industry 119.1%.


Return on Equity

High ROE: Whilst GRUPOAVAL's Return on Equity (23.71%) is high, this metric is skewed due to their high level of debt.


Discover strong past performing companies

Financial Health

How is Grupo Aval Acciones y Valores's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

4/6

Financial Health Score 4/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: GRUPOAVAL's Assets to Equity ratio (8.8x) is low.

Allowance for Bad Loans: GRUPOAVAL has a low allowance for bad loans (81%).

Low Risk Liabilities: 66% of GRUPOAVAL's liabilities are made up of primarily low risk sources of funding.

Loan Level: GRUPOAVAL has an appropriate level of Loans to Assets ratio (57%).

Low Risk Deposits: GRUPOAVAL's Loans to Deposits ratio (98%) is appropriate.

Level of Bad Loans: GRUPOAVAL has a high level of bad loans (6.9%).


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Dividend

What is Grupo Aval Acciones y Valores's current dividend yield, its reliability and sustainability?

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


6.39%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: GRUPOAVAL's dividend (6.39%) is higher than the bottom 25% of dividend payers in the CO market (3.49%).

High Dividend: GRUPOAVAL's dividend (6.39%) is low compared to the top 25% of dividend payers in the CO market (11.19%).


Stability and Growth of Payments

Stable Dividend: GRUPOAVAL's dividend payments have been volatile in the past 10 years.

Growing Dividend: GRUPOAVAL's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (29.3%), GRUPOAVAL's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: GRUPOAVAL's dividends in 3 years are forecast to be well covered by earnings (33.6% payout ratio).


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Management

How experienced are the management team and are they aligned to shareholders interests?

12.9yrs

Average management tenure


CEO

Luis Carlos Sarmiento Gutierrez (59 yo)

22.42yrs

Tenure

Mr. Luis Carlos Sarmiento Gutierrez is the Chairman of the Board at Corporación Financiera Colombiana SA. He has been President of Grupo Aval Acciones Y Valores S.A. since 2000. Mr. Sarmiento Gutiérrez ser...


Leadership Team

Experienced Management: GRUPOAVAL's management team is seasoned and experienced (12.9 years average tenure).


Board Members

Experienced Board: GRUPOAVAL's board of directors are considered experienced (9.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 6.6%.


Top Shareholders

Company Information

Grupo Aval Acciones y Valores S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Grupo Aval Acciones y Valores S.A.
  • Ticker: GRUPOAVAL
  • Exchange: BVC
  • Founded: 1994
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: Col$19.490t
  • Shares outstanding: 23.74b
  • Website: https://www.grupoaval.com

Number of Employees


Location

  • Grupo Aval Acciones y Valores S.A.
  • Carrera 13 No. 26A – 47
  • 23rd Floor
  • Bogotá
  • Colombia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/28 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.