NYSE:AVAL

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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. More Details


Snowflake Analysis

Undervalued with adequate balance sheet.


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

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.


Market Performance


7 Day Return

0%

AVAL

4.5%

US Banks

-0.4%

US Market


1 Year Return

-18.4%

AVAL

35.5%

US Banks

36.2%

US Market

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.


Shareholder returns

AVALIndustryMarket
7 Day0%4.5%-0.4%
30 Day-6.0%12.1%-2.3%
90 Day-1.7%25.4%5.0%
1 Year-13.2%-18.4%40.3%35.5%39.1%36.2%
3 Year-13.8%-25.8%13.1%3.4%48.4%39.0%
5 Year7.9%-15.6%100.7%75.2%116.6%92.4%

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

Valuation

Is Grupo Aval Acciones y Valores undervalued compared to its fair value and its price relative to the market?

10.78x

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).


Next Steps

Future Growth

How is Grupo Aval Acciones y Valores forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

13.9%

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%).


Next Steps

Past Performance

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

4.7%

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.


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


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%).


Next Steps

Dividend

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

5.11%

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.


Next Steps

Management

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

9.2yrs

Average management tenure


CEO

Luis Carlos Sarmiento Gutiérrez (58 yo)

21.17yrs

Tenure

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...


Leadership Team

NamePositionTenureCompensationOwnership
Luis Carlos Sarmiento Gutiérrez
President21.17yrsno datano data
Diego Fernando Solano Saravia
Chief Financial Officer11.17yrsno data0.00091%
COP 65.3k
María Edith González Flórez
Vice President of Accounting11.17yrsno datano data
Tatiana Uribe Benninghoff
Vice President of Financial Planning & Investor Relations8.17yrsno datano data
Jorge Rincón Plata
Chief Legal Counsel8.83yrsno datano data
José Manuel Ayerbe Osorio Umaña
Vice President of Marketing9.17yrsno datano data
Rafael Eduardo Neira Torres
Chief of Internal Control12.17yrsno datano data
Rodolfo Vélez Borda
Chief of Information Technology9.17yrsno data0.000080%
COP 5.7k
Carlos Ernesto Pérez Buenaventura
Chief Strategy Officer9.17yrsno datano data
Luz Karime Hurtado
Chief Risk Management Officerno datano datano data
Ana Margarita Albir Sarmiento
Chief Digital Officer3.17yrsno datano data
Alejandro Augusto Figueroa Jaramillo
President of Banco de Bogotá & Director22.17yrsno datano data

9.2yrs

Average Tenure

54.5yo

Average Age

Experienced Management: AVAL's management team is seasoned and experienced (9.2 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Alejandro Augusto Figueroa Jaramillo
President of Banco de Bogotá & Director22.17yrsno datano data
Juan Camilo Ángel Mejía
President of Banco AV Villas13.17yrsno data0.00013%
COP 9.3k
Miguel Largacha Martínez
President of Porvenir & Directorno datano datano data
María Lorena Gutiérrez Botero
President of Corficolombiana & Director1.92yrsno datano data
César Prado Villegas
President of Banco de Occidente1.92yrsno datano data
Ana Maria Cuellar de Jaramillo
Alternate Director14.17yrsno data0.00023%
COP 16.5k
Luis Carlos Sarmiento Angulo
Chairman of the Board22.17yrsno datano data
Esther Paz Montoya
Independent Director11.17yrsno data0.0030%
COP 217.5k
Mauricio Cárdenas Müller
Alternate Directorno datano data0.00053%
COP 38.0k
Alvaro Velasquez Cock
Independent Director8.17yrsno data0.000090%
COP 6.5k
Germán Villamil Pardo
Alternate Director11.17yrsno data0.00015%
COP 10.8k
Fabio Castellanos Ordóñez
Independent Director3yrsno datano data

11.2yrs

Average Tenure

61.5yo

Average Age

Experienced Board: AVAL's board of directors are seasoned and experienced ( 11.2 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 not been meaningfully diluted in the past year.


Top Shareholders

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$26.037t
  • Listing Market Cap: Col$7.179b
  • 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
PFAVALUSSNSE (Santiago Stock Exchange)Preferred SharesCLCOPMay 2011
AVALNYSE (New York Stock Exchange)SPONSORED ADSUSUSDSep 2014
6GAADB (Deutsche Boerse AG)SPONSORED ADSDEEURSep 2014
0J1BLSE (London Stock Exchange)SPONSORED ADSGBUSDSep 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 offers deposit products and servic...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/03/07 01:04
End of Day Share Price2021/03/05 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.