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. More Details
Undervalued with adequate balance sheet.
Share Price & News
How has Grupo Aval Acciones y Valores's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AVAL is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: AVAL's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: AVAL underperformed the US Banks industry which returned 35.4% over the past year.
Return vs Market: AVAL underperformed the US Market which returned 36.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Grupo Aval Acciones y Valores's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Grupo Aval Acciones y Valores undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AVAL ($6.28) is trading below our estimate of fair value ($15283.57)
Significantly Below Fair Value: AVAL is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AVAL is good value based on its PE Ratio (0x) compared to the US Banks industry average (13.1x).
PE vs Market: AVAL is good value based on its PE Ratio (0x) compared to the US market (21.5x).
Price to Earnings Growth Ratio
PEG Ratio: AVAL's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: AVAL is good value based on its PB Ratio (0x) compared to the US Banks industry average (1.1x).
How is Grupo Aval Acciones y Valores forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AVAL's earnings are forecast to decline over the next 3 years (-38% per year).
Earnings vs Market: AVAL's earnings are forecast to decline over the next 3 years (-38% per year).
High Growth Earnings: AVAL's earnings are forecast to decline over the next 3 years.
Revenue vs Market: AVAL's revenue is expected to decline over the next 3 years (-46.8% per year).
High Growth Revenue: AVAL's revenue is forecast to decline over the next 3 years (-46.8% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AVAL's Return on Equity is forecast to be low in 3 years time (13.5%).
How has Grupo Aval Acciones y Valores performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AVAL has high quality earnings.
Growing Profit Margin: AVAL's current net profit margins (14.4%) are lower than last year (17.9%).
Past Earnings Growth Analysis
Earnings Trend: AVAL's earnings have grown by 5.8% per year over the past 5 years.
Accelerating Growth: AVAL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: AVAL had negative earnings growth (-23.3%) over the past year, making it difficult to compare to the Banks industry average (0.5%).
Return on Equity
High ROE: AVAL's Return on Equity (12.7%) is considered low.
How is Grupo Aval Acciones y Valores's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: AVAL's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: AVAL has a low allowance for bad loans (85%).
Low Risk Liabilities: 73% of AVAL's liabilities are made up of primarily low risk sources of funding.
Loan Level: AVAL has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: AVAL's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: AVAL has a high level of bad loans (5.5%).
What is Grupo Aval Acciones y Valores's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AVAL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AVAL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if AVAL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AVAL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: AVAL is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of AVAL's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Luis Carlos Sarmiento Gutiérrez (58 yo)
Mr. Luis Carlos Sarmiento Gutiérrez 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...
|President||21.17yrs||no data||no data|
|Chief Financial Officer||11.17yrs||no data||0.00091% |
|Vice President of Accounting||11.17yrs||no data||no data|
|Vice President of Financial Planning & Investor Relations||8.17yrs||no data||no data|
|Chief Legal Counsel||8.83yrs||no data||no data|
|Vice President of Marketing||9.17yrs||no data||no data|
|Chief of Internal Control||12.17yrs||no data||no data|
|Chief of Information Technology||9.17yrs||no data||0.000080% |
|Chief Strategy Officer||9.17yrs||no data||no data|
|Chief Risk Management Officer||no data||no data||no data|
|Chief Digital Officer||3.17yrs||no data||no data|
|President of Banco de Bogotá & Director||22.17yrs||no data||no data|
Experienced Management: AVAL's management team is seasoned and experienced (9.2 years average tenure).
|President of Banco de Bogotá & Director||22.17yrs||no data||no data|
|President of Banco AV Villas||13.17yrs||no data||0.00013% |
|President of Porvenir & Director||no data||no data||no data|
|President of Corficolombiana & Director||1.92yrs||no data||no data|
|President of Banco de Occidente||1.92yrs||no data||no data|
|Alternate Director||14.17yrs||no data||0.00023% |
|Chairman of the Board||22.17yrs||no data||no data|
|Independent Director||11.17yrs||no data||0.0030% |
|Alternate Director||no data||no data||0.00053% |
|Independent Director||8.17yrs||no data||0.000090% |
|Alternate Director||11.17yrs||no data||0.00015% |
|Independent Director||3yrs||no data||no data|
Experienced Board: AVAL's board of directors are seasoned and experienced ( 11.2 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 not been meaningfully diluted in the past year.
Grupo Aval Acciones y Valores S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Grupo Aval Acciones y Valores S.A.
- Ticker: AVAL
- Exchange: NYSE
- Founded: 1994
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: Col$26.037t
- Listing Market Cap: Col$7.179b
- Shares outstanding: 22.28b
- Website: https://www.grupoaval.com
Number of Employees
- Grupo Aval Acciones y Valores S.A.
- Carrera 13 No. 26A - 47
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|GRUPOAVAL||BVC (Bolsa de Valores de Colombia)||Yes||Common Shares||CO||COP||May 1999|
|PFAVAL||BVC (Bolsa de Valores de Colombia)||Preferred Shares||CO||COP||May 2011|
|PFAVALUS||SNSE (Santiago Stock Exchange)||Preferred Shares||CL||COP||May 2011|
|AVAL||NYSE (New York Stock Exchange)||SPONSORED ADS||US||USD||Sep 2014|
|6GAA||DB (Deutsche Boerse AG)||SPONSORED ADS||DE||EUR||Sep 2014|
|0J1B||LSE (London Stock Exchange)||SPONSORED ADS||GB||USD||Sep 2014|
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. The company offers deposit products and servic...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/03/07 01:04|
|End of Day Share Price||2021/03/05 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.