Stock AnalizGrupo Aval Acciones Y Valores S.A. AVAL
Commercial Banks · IPO 2014 · data as of November 13, 2026
Grupo Aval Acciones Y Valores S.A. (AVAL) is a financial company listed in the US with a market value of about $4.8B. In the twelve months to September 30, 2026 it had revenue of $5.7B and net income of $326M, a net margin of 5.7%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 10.7, a price to free cash flow of 2.6, 5-year revenue growth of 5% a year, a 5-year average ROIC of 10%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 5% above the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- Positive free cash flow
- Pays a dividend
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.7B | $5.2B | $14.0B | $14.4B | $11.3B | $11.8B | $11.6B | $11.2B | $10.3B | $9.6B | $9.6B |
| Net income | $326M | $354M | $307M | $223M | $750M | $996M | $709M | $916M | $880M | $593M | $646M |
| Free cash flow | — | $1.8B | $44M | $1.6B | -$224M | $1.6B | $2.8B | $1.5B | $2.5B | $1.4B | $504M |
| EPS (diluted) | $0.27 | $0.44 | $0.26 | $0.19 | $0.63 | $0.84 | $0.60 | $0.77 | $0.74 | $0.50 | $0.54 |
| Net margin | 5.7% | 6.8% | 2.2% | 1.6% | 6.7% | 8.4% | 6.1% | 8.2% | 8.6% | 6.2% | 6.8% |
| ROIC | — | — | — | — | — | — | 9.7% | 15.2% | 15.2% | 51.9% | 56.5% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Grupo Aval Acciones Y Valores’s P/E ratio?
About 10.7, based on the last twelve months of diluted earnings per share (forward P/E about 6.4).
Is Grupo Aval Acciones Y Valores stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 5% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Grupo Aval Acciones Y Valores pay a dividend?
Yes. The dividend yield is about 4.89%, and it has paid dividends for 10 years in our data.
Is Grupo Aval Acciones Y Valores a good stock to buy?
We do not give buy or sell advice. Grupo Aval Acciones Y Valores scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.