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Grupo Aval Acciones y Valores SA Pfd
(NYSE:AVAL)
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Rating:60Neutral
Price Target:
$5.50
â–²(15.06% Upside)
Action:Reiterated
Date:08/18/26
Overall score reflects a balance of improving momentum and fair valuation against weaker core financial quality signals. The largest drag is financial performance risk (high leverage and uneven cash-flow history despite a strong TTM rebound). Offsetting this, technicals are supportive with price above key moving averages and positive MACD, and valuation is reasonable with a moderate P/E and ~3% dividend. Earnings call commentary was constructive on results but tempered by caution about the sustainability of trading-driven gains and material macro/tax/funding-cost risks.
Positive Factors
Diversified Banking Franchise
Broad exposure to consumer, commercial and regional banking supports recurring interest and fee income. Sustained loan and deposit growth indicates franchise relevance, funding access and capacity to expand balance-sheet earnings over the medium term.
Negative Factors
Elevated Leverage
High holding-company and consolidated leverage reduces financial flexibility and increases sensitivity to funding conditions. It can constrain capital deployment, amplify earnings volatility and make the group more exposed to prolonged stress in credit or interest-rate markets.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Banking Franchise
Broad exposure to consumer, commercial and regional banking supports recurring interest and fee income. Sustained loan and deposit growth indicates franchise relevance, funding access and capacity to expand balance-sheet earnings over the medium term.
Read all positive factors
Grupo Aval Acciones y Valores SA Pfd (AVAL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.48B
Dividend Yield2.94%
Average Volume (3M)98.29K
Price to Earnings (P/E)11.5
Beta (1Y)0.54
Revenue Growth15.47%
EPS Growth18.50%
CountryUS
Employees78,827
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1425.40
Shares Outstanding378,257,540
10 Day Avg. Volume68,157
30 Day Avg. Volume98,286
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.98
Price to Sales (P/S)0.43
P/FCF Ratio12.49
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Sell
Number of Analyst Covering1
EPS Forecast (FY)0.57
Revenue Forecast (FY)$6.12B
Grupo Aval Acciones y Valores SA Pfd Business Overview & Revenue Model
Company Description
Grupo Aval Acciones y Valores SA engages in the provision of financial services and products. It operates through the following segments: Banking Services, Merchant Banking, Pension and Severance Fund Management, and Holding. The Banking Services ...
How the Company Makes Money
Grupo Aval makes money primarily through the earnings generated by its controlled financial subsidiaries and, where applicable, equity-method income from significant affiliates, which then accrue to the holding company as consolidated net income a...
Grupo Aval Acciones y Valores SA Pfd Earnings Call Summary
Earnings Call Date:Aug 12, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 18, 2026
Earnings Call Sentiment Neutral
The call highlighted a strong operational quarter with record quarterly net income, expanded margins (driven largely by investment/trading income), loan and deposit growth, solid capital ratios, stable asset quality and clear progress on digital and technology transformation. However, management remains cautious because a sizable portion of the quarter's performance was driven by non-recurring market income that is partly offset by derivatives, and the outlook faces material macro and structural headwinds — higher inflation and interest rates, fiscal uncertainty, potential local tax increases, energy/El Niño risks, and cost pressures. Guidance was conservative for the second half and full year ROAE, reflecting these uncertainties.Positive Updates
Record Quarterly Profitability
Attributed net income of COP 577 billion, up 17% year-over-year and the highest quarterly result since March 2022; net income per share COP 24.2.
Negative Updates
Capital Markets/Investment Income Not Fully Recurring
A significant portion of the quarter's NIM and net interest income improvement was driven by strong investment/trading income; net of derivatives, net NIM investments would be ~5.1% and total NIM would have been ~4.6%, prompting conservative guidance for second-half investment NIM (~2%).
Read all updates
Q2-2026 Updates
Positive
Negative
Record Quarterly Profitability
Attributed net income of COP 577 billion, up 17% year-over-year and the highest quarterly result since March 2022; net income per share COP 24.2.
Read all positive updates
Company Guidance
Grupo Aval's 2026 guidance targets consolidated loan growth of about 10.5% (with commercial loans ~8% and retail loans ~14%, including the Itaú retail contribution); a consolidated NIM around 4.2% with NIM on loans ~4.4%; banking‑segment NIM ~4.9% with NIM on loans ~5.2%; net cost of risk (net of recoveries) ~1.9%; cost to assets ~2.9%; income from the non‑financial sector about 1.3x 2025; an income ratio in the ~22% area; and a full‑year ROAE target of roughly 9.25%.Grupo Aval Acciones y Valores SA Pfd Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
48
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 39.91T | 42.33T | 36.97T | 38.44T | 27.94T | 20.67T |
| Gross Profit | 16.85T | 21.54T | 11.30T | 11.05T | 13.16T | 12.82T |
| EBITDA | 5.56T | 3.86T | 4.41T | 4.64T | 7.36T | 7.81T |
| Net Income | 1.69T | 1.60T | 1.02T | 739.00B | 2.48T | 3.30T |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 79.49T | 48.40T | 44.00T | 41.82T | 15.90T | 35.62T |
| Total Debt | 64.43T | 68.60T | 71.36T | 62.82T | 72.12T | 74.09T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 17.80T | 18.43T | 17.45T | 16.78T | 16.47T | 23.01T |
Cash Flow | ||||||
| Free Cash Flow | 1.19T | 1.45T | -14.70T | -9.96T | -20.00T | 3.65T |
| Operating Cash Flow | 1.77T | 2.04T | -14.04T | -9.35T | -19.45T | 5.90T |
| Investing Cash Flow | -22.82T | -25.07T | -3.14T | 1.84T | -13.01T | -6.60T |
| Financing Cash Flow | 27.26T | 26.09T | 13.46T | 11.82T | 9.26T | -1.35T |
Grupo Aval Acciones y Valores SA Pfd Technical Analysis
Positive
4.78
Price Trends
5.16
Positive
4.83
Positive
4.51
Positive
Market Momentum
0.12
Negative
58.55
Neutral
76.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AVAL, the sentiment is Positive. The current price of 4.78 is below the 20-day moving average (MA) of 5.21, below the 50-day MA of 5.16, and above the 200-day MA of 4.51, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 58.55 is Neutral, neither overbought nor oversold. The STOCH value of 76.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AVAL.
Grupo Aval Acciones y Valores SA Pfd Risk Analysis
Grupo Aval Acciones y Valores SA Pfd disclosed 74 risk factors in its most recent earnings report. Grupo Aval Acciones y Valores SA Pfd reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Grupo Aval Acciones y Valores SA Pfd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $4.31B | 11.61 | 10.33% | 2.84% | 4.05% | 38.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $2.34B | 7.74 | 15.20% | 2.14% | 51.13% | 47.31% | |
60 Neutral | $6.48B | 11.53 | 9.35% | 3.19% | 15.47% | 18.50% | |
59 Neutral | $5.02B | 20.05 | 7.28% | 5.47% | 6.98% | 6551.65% | |
57 Neutral | $3.12B | 20.50 | 6.79% | 1.84% | -0.28% | -56.93% | |
55 Neutral | $7.03B | 118.61 | 1.16% | 3.84% | 0.55% | -94.15% |
* Financial Sector Average
AVAL
Grupo Aval Acciones y Valores SA Pfd
5.43
2.26
71.02%
BMA
Banco Macro SA
72.87
10.40
16.65%
BBAR
Banco BBVA Argentina
14.08
0.33
2.42%
GGAL
Grupo Financiero Galicia SA
41.00
-3.28
-7.40%
UCB
United Community Banks
35.53
5.20
17.13%
INTR
Inter & Company Incorporation Class A
5.20
-2.47
-32.22%
Grupo Aval Acciones y Valores SA Pfd Corporate Events
Grupo Aval Names New Internal Audit Manager After Board Approval
Aug 14, 2026
On August 12, 2026, Grupo Aval Acciones y Valores S.A.’s board of directors approved the appointment of Lined Johanna Ramírez Borbón as the company’s Internal Audit Manager, with effect immediately upon that decision. She suc...
Grupo Aval Publishes Q2 2026 Results Materials Ahead of Investor Call
Aug 13, 2026
Grupo Aval Acciones y Valores S.A. announced on August 12, 2026, that it has published the materials for its quarterly consolidated results as of June 30, 2026, ahead of an investor call scheduled for August 13, 2026. The company made both the det...
Grupo Aval Confirms Completion of Scheduled August 2026 Dividend Payment
Aug 4, 2026
On August 3, 2026, Grupo Aval Acciones y Valores S.A. reported that its scheduled dividend payment for August 2026 had been executed as planned. The distribution was carried out in line with the Proposed Distribution of Profits approved by the Gen...
Grupo Aval Confirms Completion of July 2026 Dividend Payments
Jul 2, 2026
On July 1, 2026, Grupo Aval Acciones y Valores S.A. reported that it had completed the payment of dividends scheduled for July 2026. The distribution was executed in line with the profit allocation approved by the General Shareholders Meeting held...
Grupo Aval Confirms Timely Interest Payment on Sixth Peso Note Issuance
Jul 1, 2026
On June 30, 2026, Grupo Aval Acciones y Valores S.A. reported that it had paid interest on its Sixth Issuance of notes denominated in Colombian pesos, in line with the terms set out in the original offering memorandum. This timely interest payment...
Grupo Aval Restructures 52.8% Corficolombiana Stake Through Panamanian Affiliate Ficentro
Jun 10, 2026
On June 9, 2026, Grupo Aval and its banking subsidiaries Banco de Bogotá, Banco de Occidente and Banco Popular transferred, via in-kind contributions at book value, all of their common shares in Corporación Financiera Colombiana S.A., re...
Grupo Aval Confirms Execution of June 2026 Dividend Payment
Jun 2, 2026
Grupo Aval Acciones y Valores S.A., the Bogotá-based Colombian financial holding company active in banking and related financial services, serves retail and corporate clients in Colombia and across parts of Latin America. Its business centers...
Grupo Aval Confirms Interest Payment on Fifth Peso Note Issuance
May 26, 2026
On May 25, 2026, Grupo Aval Acciones y Valores S.A. announced that it had paid interest on its Fifth Issuance of Notes denominated in Colombian pesos in the local market, in line with the terms set out in the offering memorandum. The timely intere...
Grupo Aval Posts Solid Q1 2026 Growth Despite One-Time Equity Tax Hit
May 18, 2026
On May 15, 2026, Grupo Aval reported consolidated attributable net income of Ps 336.6 billion, or Ps 14.2 per share, for the first quarter of 2026, with a return on average equity of 7.4% and return on average assets of 0.9%. Net income declined 2...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.