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.
+ 1 more risk
Grupo Aval Acciones y Valores Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||Col$845.00|
|52 Week High||Col$1,180.00|
|52 Week Low||Col$751.30|
|1 Month Change||9.73%|
|3 Month Change||-21.18%|
|1 Year Change||-21.03%|
|3 Year Change||-33.73%|
|5 Year Change||-31.58%|
|Change since IPO||169.11%|
Recent News & Updates
|GRUPOAVAL||CO Banks||CO Market|
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.
|GRUPOAVAL Average Weekly Movement||7.6%|
|Banks Industry Average Movement||5.9%|
|Market Average Movement||5.9%|
|10% most volatile stocks in CO Market||7.7%|
|10% least volatile stocks in CO Market||3.5%|
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
|1994||70,247||Luis Carlos Sarmiento Gutierrez||https://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
|GRUPOAVAL fundamental statistics|
Is GRUPOAVAL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GRUPOAVAL income statement (TTM)|
|Cost of Revenue||Col$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||173.21|
|Net Profit Margin||19.12%|
How did GRUPOAVAL perform over the long term?See historical performance and comparison
6.4%Current Dividend Yield
Is GRUPOAVAL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is GRUPOAVAL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does GRUPOAVAL's PE Ratio compare to its peers?
|GRUPOAVAL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
BOGOTA Banco de Bogotá
PFDAVVNDA Banco Davivienda
GRUBOLIVAR Grupo Bolívar
GRUPOAVAL Grupo Aval Acciones y Valores
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.
|Current PE Ratio||4.9x|
|Fair PE Ratio||7.6x|
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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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 Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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%).
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How has Grupo Aval Acciones y Valores performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
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.
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How is Grupo Aval Acciones y Valores's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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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What is Grupo Aval Acciones y Valores's current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
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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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Luis Carlos Sarmiento Gutierrez (59 yo)
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...
Experienced Management: GRUPOAVAL's management team is seasoned and experienced (12.9 years average tenure).
Experienced Board: GRUPOAVAL's board of directors are considered experienced (9.4 years average tenure).
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.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 6.6%.
Grupo Aval Acciones y Valores S.A.'s employee growth, exchange listings and data sources
- 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
- Grupo Aval Acciones y Valores S.A.
- Carrera 13 No. 26A – 47
- 23rd Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/28 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.