NYSE:AVAL

Stock Analysis Report

Grupo Aval Acciones y Valores

Executive Summary

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.

Snowflake

Fundamentals

Established dividend payer with proven track record.


Similar Companies

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


Market Performance


7 Day Return

-3.1%

NYSE:AVAL

0.3%

US Banks

0.9%

US Market


1 Year Return

-10.6%

NYSE:AVAL

-13.6%

US Banks

0.3%

US Market

AVAL outperformed the Banks industry which returned -14.2% over the past year.

AVAL underperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

AVALIndustryMarket
7 Day-3.1%0.3%0.9%
30 Day-11.6%-5.1%-1.9%
90 Day0%-3.5%1.6%
1 Year-6.5%-10.6%-11.2%-13.6%2.6%0.3%
3 Year-3.0%-15.4%43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

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

Valuation

Is Grupo Aval Acciones y Valores undervalued based on future cash flows and its price relative to the stock market?

12%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Grupo Aval Acciones y Valores's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Grupo Aval Acciones y Valores's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Grupo Aval Acciones y Valores is good value based on earnings compared to the US Banks industry average.

Grupo Aval Acciones y Valores is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Grupo Aval Acciones y Valores is poor value based on expected growth next year.


Price Based on Value of Assets

Grupo Aval Acciones y Valores is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Grupo Aval Acciones y Valores expected to perform in the next 1 to 3 years based on estimates from 7 analysts?

8.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Grupo Aval Acciones y Valores's revenue is expected to grow by 8.9% yearly, however this is not considered high growth (20% yearly).

Grupo Aval Acciones y Valores's earnings are expected to grow by 8.8% yearly, however this is not considered high growth (20% yearly).

Grupo Aval Acciones y Valores's revenue growth is expected to exceed the United States of America market average.

Grupo Aval Acciones y Valores's earnings growth is positive but not above the United States of America market average.

Grupo Aval Acciones y Valores's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Grupo Aval Acciones y Valores is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

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

10.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Grupo Aval Acciones y Valores's year on year earnings growth rate has been positive over the past 5 years.

Grupo Aval Acciones y Valores's 1-year earnings growth exceeds its 5-year average (49.5% vs 10.5%)

Grupo Aval Acciones y Valores's earnings growth has exceeded the US Banks industry average in the past year (49.5% vs 33.2%).


Return on Equity

Grupo Aval Acciones y Valores has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Grupo Aval Acciones y Valores used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Grupo Aval Acciones y Valores improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Grupo Aval Acciones y Valores has an acceptable proportion of non-loan assets held.

Grupo Aval Acciones y Valores has a low allowance for bad loans.

Grupo Aval Acciones y Valores's liabilities are made up of primarily low risk sources of funding.

Grupo Aval Acciones y Valores's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Grupo Aval Acciones y Valores are broadly funded by customer deposits.

Grupo Aval Acciones y Valores has a high level of bad loans (greater than 2%).


Next Steps

Dividend

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

6.35%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Grupo Aval Acciones y Valores before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Grupo Aval Acciones y Valores's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Grupo Aval Acciones y Valores's dividend is above the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.3x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2x coverage).


Next Steps

Management

What is the CEO of Grupo Aval Acciones y Valores's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average management tenure


CEO

Luis Carlos Sarmiento Gutiérrez (57yo)

19.6yrs

Tenure

0

Mr. Luis Carlos Sarmiento Gutiérrez has been President of Grupo Aval Acciones Y Valores S.A. since 2000. Mr. Sarmiento Gutiérrez served as the President of Cocelco S.A. from 1997 to 2000. Previously, Mr. S ...


Management Age and Tenure

7.6yrs

Average Tenure

55.5yo

Average Age

The average tenure for the Grupo Aval Acciones y Valores management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

9.6yrs

Average Tenure

58.5yo

Average Age

The tenure for the Grupo Aval Acciones y Valores board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Carlos Ernesto Pérez Buenaventura (64yo)

    Chief Strategy Officer

    • Tenure: 7.6yrs
  • Luis Carlos Sarmiento Gutiérrez (57yo)

    President

    • Tenure: 19.6yrs
  • Diego Fernando Solano Saravia (53yo)

    Chief Financial Officer

    • Tenure: 9.6yrs
  • Diego Rodríguez Piedrahita (60yo)

    Chief Risk Management Officer

    • Tenure: 20.6yrs
  • María Edith González Flórez (60yo)

    Vice President of Accounting

    • Tenure: 0.0yrs
  • Rafael Eduardo Neira Torres (63yo)

    Chief of Internal Control

    • Tenure: 10.6yrs
  • Rodolfo Vélez Borda (54yo)

    Chief of Shared Services

    • Tenure: 7.6yrs
  • Jorge Rincón Plata (39yo)

    Chief Legal Counsel

    • Tenure: 7.3yrs
  • José Manuel Ayerbe Osorio Umaña (46yo)

    Vice President of Marketing

    • Tenure: 7.6yrs
  • Tatiana Uribe Benninghoff (38yo)

    Vice President of Financial Planning & Investor Relations

    • Tenure: 6.6yrs

Board Members

  • Miguel Largacha Martínez (55yo)

    President of Porvenir & Director

    • Tenure: 0.0yrs
  • Alejandro Augusto Figueroa Jaramillo (77yo)

    President of Banco de Bogotá & Director

    • Tenure: 20.6yrs
  • Luis Carlos Sarmiento Angulo (86yo)

    Chairman of the Board

    • Tenure: 20.6yrs
  • Esther Paz Montoya (64yo)

    Independent Director

    • Tenure: 9.6yrs
  • Juan Camilo Ángel Mejía (54yo)

    President of Banco AV Villas

    • Tenure: 11.6yrs
  • Mauricio Cárdenas Müller (49yo)

    Alternate Director

    • Tenure: 0.0yrs
  • Álvaro Velásquez Cock (80yo)

    Director

    • Tenure: 6.6yrs
  • Fabio Castellanos Ordóñez (62yo)

    Independent Director

    • Tenure: 0.0yrs
  • César Prado Villegas (47yo)

    President of Banco de Occidente

    • Tenure: 0.3yrs
  • María Lorena Gutiérrez Botero (50yo)

    President of Corficolombiana & Director

    • Tenure: 0.3yrs

Company Information

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


Key Information

  • Name: Grupo Aval Acciones y Valores S.A.
  • Ticker: AVAL
  • Exchange: NYSE
  • Founded: 1994
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Col$27.441t
  • Listing Market Cap: Col$7.981b
  • Shares outstanding: 22.28b
  • Website: https://www.grupoaval.com

Number of Employees


Location

  • Grupo Aval Acciones y Valores S.A.
  • Carrera 13 No. 26A - 47
  • Bogotá
  • Colombia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GRUPOAVALBVC (Bolsa de Valores de Colombia)YesCommon SharesCOCOPMay 1999
PFAVALBVC (Bolsa de Valores de Colombia)Preferred SharesCOCOPMay 2011
AVALNYSE (New York Stock Exchange)SPON ADS EACH REPR 20 PREFERRED SHSUSUSDSep 2014
6GAADB (Deutsche Boerse AG)SPON ADS EACH REPR 20 PREFERRED SHSDEEURSep 2014

Biography

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’s deposit products and services in ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 00:44
End of Day Share Price2019/08/19 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.