Grupo Aval Acciones y Valores S.A. (AVAL) AI Stock Analysis

Grupo Aval Acciones y Valores S.A., founded in 1994 and headquartered in Bogot�, Colombia, provides a comprehensive array of financial products and solutions across Colombia and Central America. Its services include deposit accounts such as checking, savings, and time deposits for individuals and corporations. The company's lending activities cover commercial loans, payroll loans, personal loans, vehicle financing, microcredit, and mortgages. Grupo Aval also offers pension and severance fund management, investment banking, project finance, bancassurance, trust services, and real estate escrow, while delivering digital access through online and mobile banking.

Between FY2020 and FY2025, revenue expanded at a five-year compound annual growth rate of 30.5%. Annual revenue reached $42.33T in FY2025, up 14.5% from $36.97T in FY2024, after dropping 3.8% in FY2024. Net income climbed to $1.60T in FY2025, reflecting a net margin of 3.8% and EPS of $0.41, up from $1.02T in FY2024. Gross margin improved from 30.6% in FY2024 to 50.9% in FY2025, while operating margin held steady at 9.1%. In the latest quarter ended June 30, 2026, quarterly revenue grew 18.6% year-over-year and quarterly earnings rose 16.7%.

As of June 30, 2026, Grupo Aval held $21.79T in cash and short-term investments against total debt of $68.12T, resulting in net debt of $46.33T. Shareholders' equity stood at $17.97T alongside total assets of $339.25T, yielding a debt-to-equity ratio of 3.79. In FY2025, operating cash flow recovered to $2.04T and free cash flow turned positive to $1.45T. For that fiscal year, capital expenditures totaled $586.35B, dividends paid were $582.89B, and share buybacks totaled $6.0M.

At $4.85, Grupo Aval trades at a trailing price-to-earnings multiple of 12.8x, compared to the median of 12.1x for its US-listed Financial Services peers. Its price-to-sales ratio is 1.1x versus the peer median of 3.2x, and its price-to-book ratio is 1.1x. Over the past year, AVAL returned 35.7%, outperforming the S&P 500 (SPY) return of 16.8%. Over a five-year span, the stock gained 50.0%, lagging the 83.0% return of the S&P 500.

Grupo Aval pays a monthly dividend with an annualized forward rate of $0.20 per share, delivering a dividend yield of 4.09%. Its payout ratio stands at 14.3%. While the company has maintained dividend payments for 13 consecutive years, its annualized dividend growth over the past five years declined 16.8%. Its last ex-dividend date is listed as February 26, 2027.

Wall Street coverage includes 2 Hold ratings and 1 Sell rating, with no Buy or Strong Buy recommendations. The mean price target is $5.10, representing a 5.2% upside from the last close of $4.85. For FY2026, analysts estimate EPS of $0.53 on revenue of $19.17T. The company has beaten EPS expectations in 3 of the last 4 quarters, and its next earnings release is scheduled for November 12, 2026.

This page is an AI-written research summary of Grupo Aval Acciones y Valores S.A. (AVAL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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