Grupo Aval Acciones y Valores SA Pfd AI Stock Analysis
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Grupo Aval Acciones y Valores SA Pfd (AVAL) AI Stock Analysis
Grupo Aval Acciones y Valores SA Pfd
(NYSE:AVAL)
Overall score is held back primarily by moderate financial performance, driven by high leverage and historically volatile cash flows despite a TTM recovery. Technicals are a clear positive with price above major moving averages and positive momentum indicators. Valuation is reasonable (moderate P/E and ~2.9% yield), while earnings-call tone is constructive but tempered by reliance on less-recurring market income and cautious guidance amid macro and cost/funding pressures.
Grupo Aval Acciones y Valores SA Pfd (AVAL) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $5.00B
- Dividend Yield
- 4.15%
- Average Volume (3M)
- 149.24K
- Price to Earnings (P/E)
- 9.6
- Beta (1Y)
- 0.64
- Revenue Growth
- 15.47%
- EPS Growth
- 18.50%
- Country
- US
- Employees
- 78,827
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 seg...
Grupo Aval Acciones y Valores SA Pfd Earnings Call Summary
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.
Q2-2026 Updates
Positive Updates
Negative 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 is improving but still below prior peak profitability (Income Statement Score 58). Balance sheet leverage remains elevated with only mid-single to high-single digit ROE levels recently (Balance Sheet Score 49). Cash flow has turned positive in TTM with strong growth, but the multi-year volatility remains a key risk (Cash Flow Score 52).
Income Statement
58NeutralBalance Sheet
49NeutralCash Flow
52Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.28T | 42.33T | 36.97T | 38.44T | 27.94T | 20.67T |
| Gross Profit | 19.07T | 21.54T | 11.30T | 11.05T | 13.16T | 12.82T |
| EBITDA | 5.41T | 3.86T | 4.41T | 4.64T | 7.36T | 7.81T |
| Net Income | 1.73T | 1.60T | 1.02T | 739.00B | 2.48T | 3.30T |
Balance Sheet | ||||||
| Total Assets | 339.25T | 348.56T | 327.86T | 301.18T | 295.59T | 366.90T |
| Cash, Cash Equivalents and Short-Term Investments | 21.79T | 48.40T | 44.00T | 41.82T | 15.90T | 35.62T |
| Total Debt | 68.12T | 68.60T | 71.36T | 62.82T | 72.12T | 74.09T |
| Total Liabilities | 305.62T | 313.86T | 294.70T | 269.66T | 264.77T | 327.43T |
| Stockholders Equity | 17.97T | 18.43T | 17.45T | 16.78T | 16.47T | 23.01T |
Cash Flow | ||||||
| Free Cash Flow | 2.09T | 1.45T | -14.70T | -9.96T | -20.00T | 3.65T |
| Operating Cash Flow | 2.67T | 2.04T | -14.04T | -9.35T | -19.45T | 5.90T |
| Investing Cash Flow | -28.24T | -25.07T | -3.14T | 1.84T | -13.01T | -6.60T |
| Financing Cash Flow | 30.05T | 26.09T | 13.46T | 11.82T | 9.26T | -1.35T |
Grupo Aval Acciones y Valores SA Pfd Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AVAL, the sentiment is Negative. The current price of 4.21 is below the 20-day moving average (MA) of 4.56, below the 50-day MA of 4.85, and below the 200-day MA of 4.70, indicating a bearish trend. The MACD of -0.17 indicates Positive momentum. The RSI at 34.06 is Neutral, neither overbought nor oversold. The STOCH value of 39.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Latest Risks Added
0 New RisksGrupo Aval Acciones y Valores SA Pfd Peers Comparison
Overall Rating
BPOP73.9Outperform
OFG71Outperform- AVAL61Neutral
BMA57Neutral
BBAR56Neutral
GGAL51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BPOP | 74Outperform | $9.93B | 10.08 | 16.25% | 1.97% | 3.94% | 37.25% |
| OFG | 71Outperform | $2.14B | 9.86 | 16.38% | 2.64% | 2.09% | 19.22% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AVAL | 61Neutral | $5.19B | 9.59 | 9.54% | 4.15% | 15.47% | 18.50% |
| BMA | 57Neutral | $4.37B | 14.38 | 7.73% | 8.52% | 4.03% | -24.70% |
| BBAR | 56Neutral | $2.34B | 12.37 | 8.15% | 4.22% | 5.91% | -32.85% |
| GGAL | 51Neutral | $5.11B | 45.98 | 2.13% | 5.53% | 3.21% | -89.45% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AVAL | Grupo Aval Acciones Y Valores Sa Pfd | 4.21 | 0.13 | 3.06% | |
| BMA | Banco Macro | 57.23 | -22.30 | -28.04% | |
| BBAR | Banco Bbva Argentina | 10.66 | -4.29 | -28.72% | |
| GGAL | Grupo Financiero Galicia | 29.87 | -21.97 | -42.38% | |
| OFG | OFG Bancorp | 51.17 | 11.66 | 29.52% | |
| BPOP | Popular Inc | 160.10 | 46.97 | 41.52% |
Grupo Aval Acciones y Valores SA Pfd Corporate Events
Grupo Aval Confirms November Dividend Payment
Grupo Aval Acciones y Valores S.A. is a Colombian financial services group focused on banking and related financial products in the domestic market.On November 1, 2026, the company announced that its scheduled November dividend payment had been compl...
Grupo Aval Subsidiary Corficolombiana Secures Dismissal of U.S. DOJ Case
On October 26, 2026, Grupo Aval reported that its subsidiary Corficolombiana has fully satisfied the obligations under the Deferred Prosecution Agreement it entered with the U.S. Department of Justice in August 2023, leading a U.S. court to dismiss t...
Grupo Aval Confirms Execution of October 2026 Dividend Payment Plan
Grupo Aval Acciones y Valores S.A., based in Bogotá, Colombia, is a leading financial holding company with interests across the banking and financial services sector. Through its subsidiaries, it provides a broad range of retail and corporate banking...
Grupo Aval Confirms Interest Payment on Sixth Colombian Peso Note Issuance
On September 28, 2026, Grupo Aval Acciones y Valores S.A. reported that it had paid interest due on its Sixth Issuance of Notes, a peso-denominated debt offering in the Colombian market. The payment was made in accordance with the terms set out in th...
Grupo Aval Confirms Interest Payment on Eighth Peso Note Issuance
Grupo Aval Acciones y Valores S.A. is a major Colombian financial group operating across banking and capital markets, with a strategy that includes issuing peso-denominated notes to diversify funding. The company also maintains a foreign listing in t...
Grupo Aval Confirms Execution of September 2026 Dividend Payments
On September 1, 2026, Grupo Aval Acciones y Valores S.A. announced that the dividend payments scheduled for September 2026 had been executed as planned. The distribution followed the profit allocation approved at the General Shareholders Meeting held...
Grupo Aval Names New Corporate Secretary as Veteran Steps Down After 26 Years
On August 25, 2026, Grupo Aval Acciones y Valores S.A. announced that its Board of Directors appointed Jorge Adrián Rincón Plata as Corporate Secretary of the Board. Rincón, who already serves as General Counsel and Chief Legal Counsel, will assume t...
Grupo Aval Confirms August Interest Payment on Fifth Peso Note Issuance
On August 24, 2026, Grupo Aval Acciones y Valores S.A., the Colombian financial holding company, announced that it has paid interest due on its Fifth Issuance of peso-denominated notes in the local Colombian market. The payment was executed in accord...
Grupo Aval Names New Internal Audit Manager After Board Approval
On August 12, 2026, Grupo Aval Acciones y Valores S.A.’s board of directors approved the appointment of Lined Johanna RamÃrez Borbón as the company’s Internal Audit Manager, with effect immediately upon that decision. She succeeds Luis Alfonso Fajard...
Grupo Aval Publishes Q2 2026 Results Materials Ahead of Investor Call
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 detail...
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.
Date of analysis: Aug 24, 2026