Grupo Aval Acciones y Valores S.A. (AVAL) Income Statement
AVAL 2025 at a glance
Fiscal year ended December 31, 2025 · COPAVAL revenue and net income
Where AVAL's revenue goes
2025Each bar shows an amount and its share of revenue. AVAL kept 3.8% of revenue as net income.
AVAL profit margins
AVAL growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +14.5% | +14.8% | +30.5% | +7.5% |
| Gross profit | +90.6% | +17.9% | +14.0% | +5.5% |
| Operating income | +23.0% | −15.0% | −9.3% | −3.0% |
| Net income | +58.0% | −13.6% | −7.4% | −2.4% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
AVAL income statement in COP
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | COP 42.33T | COP 36.97T | COP 38.44T | COP 27.94T | COP 20.67T | COP 11.19T | COP 29.80T | COP 27.73T | COP 26.06T | COP 24.67T |
| Cost of revenue | COP 20.78T | COP 25.67T | COP 27.38T | COP 14.78T | COP 7.85T | COP 0 | COP 12.46T | COP 11.63T | COP 12.35T | COP 11.40T |
| Gross profit | COP 21.54T | COP 11.30T | COP 11.05T | COP 13.16T | COP 12.82T | COP 11.19T | COP 17.34T | COP 16.09T | COP 13.72T | COP 13.27T |
| Research & development | — | — | — | — | — | — | COP 0 | COP 0 | COP 0 | COP 0 |
| Sales, general & admin | COP 3.01T | COP 4.36T | COP 4.05T | COP 3.70T | COP 3.42T | COP 3.16T | COP 4.99T | COP 5.06T | COP 4.77T | COP 4.63T |
| Total operating expenses | COP 17.69T | COP 8.17T | COP 7.57T | COP 6.88T | COP 6.45T | COP 4.90T | COP 9.89T | COP 8.76T | COP 8.80T | COP 7.70T |
| Operating income | COP 3.86T | COP 3.14T | COP 3.49T | COP 6.27T | COP 6.36T | COP 6.30T | COP 7.45T | COP 7.33T | COP 4.92T | COP 5.57T |
| Interest income | COP 25.92T | COP 28.18T | COP 27.64T | COP 19.40T | COP 19.65T | COP 20.22T | COP 19.55T | COP 18.36T | COP 18.74T | COP 17.55T |
| Interest expense | COP 16.81T | COP 20.91T | COP 22.63T | COP 11.66T | COP 4.66T | COP 5.80T | COP 8.27T | COP 7.48T | COP 8.23T | COP 8.39T |
| Income before taxes | COP 3.86T | COP 3.14T | COP 3.49T | COP 6.27T | COP 6.36T | COP 4.84T | COP 7.45T | COP 7.33T | COP 4.92T | COP 5.57T |
| Income taxes | COP 1.33T | COP 946.43B | COP 1.31T | COP 2.27T | COP 2.32T | COP 1.36T | COP 2.09T | COP 2.15T | COP 1.75T | COP 2.06T |
| Net income | COP 1.60T | COP 1.02T | COP 739.00B | COP 2.48T | COP 3.30T | COP 2.35T | COP 3.03T | COP 2.91T | COP 1.96T | COP 2.14T |
| EBITDA | COP 3.86T | COP 4.41T | COP 4.64T | COP 7.36T | COP 7.81T | COP 5.21T | COP 8.75T | COP 8.29T | COP 5.82T | COP 6.35T |
| Gross margin | 50.9% | 30.6% | 28.8% | 47.1% | 62.0% | 100.0% | 58.2% | 58.0% | 52.6% | 53.8% |
| Operating margin | 9.1% | 8.5% | 9.1% | 22.5% | 30.8% | 56.2% | 25.0% | 26.5% | 18.9% | 22.6% |
| Net margin | 3.8% | 2.7% | 1.9% | 8.9% | 16.0% | 21.0% | 10.2% | 10.5% | 7.5% | 8.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | COP 11.66T | COP 9.71T | COP 11.51T | COP 9.39T | COP 9.29T | COP 9.02T | COP 2.98T | COP 9.34T | COP 9.23T | COP 9.61T | COP 12.33T | COP 9.41T |
| Cost of revenue | COP 5.96T | COP 5.87T | COP 5.42T | COP 5.96T | COP 5.81T | COP 5.81T | COP 0 | COP 6.30T | COP 6.44T | COP 7.04T | COP 0 | COP 7.02T |
| Gross profit | COP 5.70T | COP 3.84T | COP 6.09T | COP 3.44T | COP 3.48T | COP 3.21T | COP 2.98T | COP 3.03T | COP 2.78T | COP 2.57T | COP 12.33T | COP 2.38T |
| Sales, general & admin | COP 775.11B | COP 2.38T | COP 814.20B | COP 2.02T | COP 2.01T | COP 1.99T | COP 450.14B | COP 1.82T | COP 1.91T | COP 1.86T | COP 1.44T | COP 1.82T |
| Total operating expenses | COP 4.38T | COP 2.50T | COP 5.01T | COP 2.19T | COP 2.21T | COP 2.03T | COP 1.75T | COP 1.96T | COP 2.02T | COP 1.87T | COP 3.84T | COP 1.91T |
| Operating income | COP 1.32T | COP 1.35T | COP 1.08T | COP 1.25T | COP 1.27T | COP 1.18T | COP 1.23T | COP 1.07T | COP 764.50B | COP 698.80B | −COP 199.80B | COP 476.90B |
| Interest income | COP 7.40T | COP 6.78T | COP 5.89T | COP 6.72T | COP 6.72T | COP 6.59T | COP 6.83T | COP 6.87T | COP 7.24T | COP 7.24T | COP 7.42T | COP 7.33T |
| Interest expense | COP 5.12T | COP 4.87T | COP 4.44T | COP 4.84T | COP 4.70T | COP 4.66T | COP 4.83T | COP 5.21T | COP 5.32T | COP 5.56T | COP 1.68T | COP 5.70T |
| Income before taxes | COP 1.32T | COP 1.35T | COP 1.08T | COP 1.25T | COP 1.27T | COP 1.18T | COP 603.56B | COP 1.07T | COP 764.50B | COP 698.80B | COP 533.80B | COP 476.90B |
| Income taxes | COP 490.74B | COP 577.50B | COP 335.54B | COP 356.40B | COP 383.80B | COP 379.10B | COP 63.14B | COP 342.40B | COP 315.30B | COP 225.70B | COP 251.10B | COP 176.20B |
| Net income | COP 533.62B | COP 336.60B | COP 340.28B | COP 521.00B | COP 494.90B | COP 361.50B | COP 281.35B | COP 415.70B | COP 204.30B | COP 113.70B | COP 82.90B | COP 64.80B |
| EBITDA | COP 1.32T | COP 1.56T | COP 1.08T | COP 1.45T | COP 1.46T | COP 1.36T | — | COP 1.25T | COP 941.10B | COP 871.40B | −COP 32.40B | COP 641.60B |
| Gross margin | 48.9% | 39.6% | 52.9% | 36.6% | 37.4% | 35.6% | 100.0% | 32.5% | 30.2% | 26.7% | 100.0% | 25.3% |
| Operating margin | 11.3% | 13.9% | 9.4% | 13.3% | 13.6% | 13.1% | 41.4% | 11.5% | 8.3% | 7.3% | −1.6% | 5.1% |
| Net margin | 4.6% | 3.5% | 3.0% | 5.5% | 5.3% | 4.0% | 9.4% | 4.5% | 2.2% | 1.2% | 0.7% | 0.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in COP as reported in AVAL's financial statements (latest annual report filed April 17, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
AVAL financial results
In fiscal year 2025 (ended December 31, 2025), Grupo Aval Acciones y Valores reported revenue of COP 42.33 trillion, up 14.5% from the year before. It had net income of COP 1.60 trillion (up 58.0%), a net profit margin of 3.8%. Over five years revenue grew at an average rate of 30.5% a year. Figures are in COP, the currency of its financial statements.
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AVAL income statement FAQ
What is Grupo Aval Acciones y Valores's annual revenue?
Grupo Aval Acciones y Valores reported total revenue of COP 42.33 trillion for fiscal year 2025, which ended on December 31, 2025. That was up 14.5% from COP 36.97 trillion the previous year.
Is Grupo Aval Acciones y Valores profitable?
Yes. Grupo Aval Acciones y Valores reported net income of COP 1.60 trillion in fiscal 2025, a net profit margin of 3.8%; its operating margin was 9.1%.
What is Grupo Aval Acciones y Valores's gross margin?
Grupo Aval Acciones y Valores's gross margin was 50.9% in fiscal 2025: for every $100 of revenue, Grupo Aval Acciones y Valores kept $51 after the direct cost of its products and services.
How fast is Grupo Aval Acciones y Valores growing?
Revenue grew 30.5% a year on average over the last five fiscal years, from COP 11.19 trillion to COP 42.33 trillion.
When will Grupo Aval Acciones y Valores report its next earnings?
Grupo Aval Acciones y Valores is expected to report results for the quarter ending September 30, 2026 on November 12, 2026.
When does Grupo Aval Acciones y Valores's fiscal year end?
Grupo Aval Acciones y Valores's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on April 17, 2026.