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AVAL

Grupo Aval Acciones y Valores S.A.

Price Chart
Latest Quote

$4.76

+0.02 (+0.37%)
Current Price
Previous Close $4.74
Open $4.85
Day High $4.76
Day Low $4.75
Volume 2,907
Fetched: 2026-10-27T13:30:58
Stock Information
Note: Financial values converted from COP to USD
Quarterly Dividend / Yield $0.20 / 4.19%
Shares Outstanding 378.29M
Quarterly Dividend Yield 4.19%
Quarterly Dividend $0.20
Sector Financial Services
Industry Banks - Regional
Market Cap $5.56B
P/E Ratio 12.32
EPS (TTM) $0.38
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Book/sh$775.42
Financial Ratios
EPS Growth TTM16.70%
Returns & Margins
ROA1.00%
ROE10.05%
Profit Margin12.16%
Ownership
Insider Ownership0.11%
Institutional Ownership1.27%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E7.37
P/B0.01
Analyst Data
Recommendationnone
Target Price$5.10
Technical Indicators
SMA20$4.83
SMA50$5.08
SMA200$4.71
RSI38.32
ATR0.1643
Shares Float210.14M
Short Float0.13%
Short Ratio2.14
Volatility0.39
Rel Volume0.95
Performance History
Week-3.31%
Month-1.95%
Quarter-3.58%
6 Months+5.69%
YTD+19.00%
Year+18.51%
3 Years+131.97%
5 Years+5.13%
10 Yearsnan%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-10-27 $4.68 152,780
2026-10-26 $4.74 251,400
2026-10-23 $4.91 324,100
2026-10-22 $4.73 143,900
2026-10-21 $4.75 22,700
2026-10-20 $4.84 157,300
2026-10-19 $4.71 258,400
2026-10-16 $4.85 112,000
2026-10-15 $4.90 179,300
2026-10-14 $4.90 296,600
2026-10-13 $4.91 183,400
2026-10-12 $4.83 118,400
2026-10-09 $4.89 84,900
2026-10-08 $4.87 61,300
2026-10-07 $4.93 107,800
2026-10-06 $4.97 224,000
2026-10-05 $4.95 232,100
2026-10-02 $4.78 54,300
2026-10-01 $4.74 174,400
2026-09-30 $4.82 73,200
2026-09-29 $4.85 294,100
2026-09-28 $4.77 136,100
About Grupo Aval Acciones y Valores S.A.

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products in Colombia and Central America. The company offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. It also provides commercial loans comprising general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans, such as payroll loans, personal loans, automobile and other vehicle loans, credit cards, overdrafts, leases, and general-purpose loans; and microcredit and mortgage loans. In addition, the company offers pension and severance fund management services; investment banking services, including services relating to capital markets, mergers and acquisitions, and delivering financial consulting services; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, and payment and collection services, as well as provides deposit and lending operations in foreign currencies. Further, it is involved in equity investments in various sectors, including infrastructure, energy and gas, agribusiness, and hotels; and providing treasury operations. The company was incorporated in 1994 and is headquartered in BogotÃĄ, Colombia.

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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $5,524,110,236 $4,886,858,448 $4,807,081,173 $5,176,553,274
Operating Revenue $5,524,110,236 $4,886,858,448 $4,807,081,173 $5,176,553,274
Expenses
Interest Expense $5,739,265,923 $6,374,197,247 $6,918,604,085 $3,709,306,188
Rent Expense Supplemental $53,653,691 $46,982,954 $44,223,011 $42,832,068
Selling And Marketing Expense $100,505,628 $83,486,773 $71,018,215 $65,849,085
General And Administrative Expense $1,272,585,066 $1,199,974,295 $1,128,365,549 $1,110,795,914
Professional Expense And Contract Services Expense $177,587,832 $163,677,133 $163,808,150 $152,336,848
Other Non Interest Expense $1,019,924,806 $912,967,862 $926,256,230 $806,742,641
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $539,086,021 $314,638,938 $214,968,066 $514,120,603
Net Interest Income $2,503,102,543 $2,202,933,670 $1,874,703,943 $2,460,905,526
Interest Income $8,242,368,466 $8,577,130,917 $8,793,308,029 $6,170,211,713
Normalized Income $76,898,779 $-250,211,476 $-487,974,688 $-429,228,914
Net Income From Continuing And Discontinued Operation $547,559,515 $322,800,153 $235,004,765 $789,563,513
Net Income Common Stockholders $373,292,900 $220,264,715 $160,365,456 $537,709,071
Net Income $547,559,515 $322,800,153 $235,004,765 $789,563,513
Net Income Including Noncontrolling Interests $1,022,432,573 $696,895,055 $692,328,222 $1,548,396,223
Net Income Discontinuous Operations $8,473,493 $8,161,215 $20,036,698 $275,442,910
Net Income Continuous Operations $1,013,959,080 $688,733,840 $672,291,524 $1,272,953,313
Pretax Income $1,469,563,734 $988,285,152 $1,088,579,945 $1,995,265,350
Special Income Charges $6,769,636 $23,370,000 $114,945,166 $33,537,174
Depreciation Amortization Depletion Income Statement $245,004,352 $214,397,570 $200,560,329 $205,348,810
Depreciation And Amortization In Income Statement $245,004,352 $214,397,570 $200,560,329 $205,348,810
Amortization Of Intangibles Income Statement $103,040,108 $76,872,322 $72,079,071 $71,594,118
Depreciation Income Statement $141,964,244 $137,525,248 $128,481,258 $133,754,692
Per Share
Diluted EPS $0.46 $0.27 $0.20 $0.68
Basic EPS $0.46 $0.27 $0.20 $0.68
Other
Tax Effect Of Unusual Items $207,675,697 $245,668,188 $435,241,757 $535,284,919
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $669,862,939 $810,518,603 $1,138,184,511 $1,478,634,436
Total Unusual Items Excluding Goodwill $669,862,939 $810,518,603 $1,138,184,511 $1,478,634,436
Reconciled Depreciation $434,310,892 $393,108,269 $353,417,747 $346,781,672
Diluted Average Shares $257,373 $377,524 $257,620 $367,968
Basic Average Shares $257,373 $377,524 $257,620 $367,968
Diluted NI Availto Com Stockholders $373,292,900 $220,264,715 $160,365,456 $537,709,071
Otherunder Preferred Stock Dividend $174,266,615 $102,535,438 $74,639,309 $251,854,442
Minority Interests $-474,873,059 $-374,094,902 $-457,323,457 $-758,832,710
Tax Provision $455,604,654 $299,551,312 $416,288,421 $722,312,037
Other Special Charges $-7,625,063 $-24,933,300 $-115,368,109 $-40,147,491
Write Off $855,427 $1,563,300 $422,943 $6,610,317
Gain On Sale Of Security $342,265,083 $472,374,513 $-511,383,238 $731,775,154
Amortization $103,040,108 $76,872,322 $72,079,071 $71,594,118
Selling General And Administration $1,373,090,695 $1,283,461,068 $1,199,383,764 $1,176,644,999
Insurance And Claims $191,174,169 $191,936,739 $175,659,465 $166,810,411
Rent And Landing Fees $53,653,691 $46,982,954 $44,223,011 $42,832,068
Salaries And Wages $1,027,757,206 $961,054,602 $908,483,073 $901,153,435
Other Gand A - - - $374,169,315
Fetched: 2026-10-24
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $-19,234,696 $-586,787,343 $-432,242,922 $-338,389,905
Total Assets $110,962,718,181 $104,260,087,049 $95,776,485,423 $93,998,737,247
Goodwill And Other Intangible Assets $5,885,077,679 $6,136,329,824 $5,769,173,736 $5,574,926,709
Other Intangible Assets $5,230,909,751 $5,429,217,033 $5,068,861,744 $4,859,988,195
Receivables $8,691,107,765 $9,892,516,887 $8,972,140,840 $8,001,969,108
Other Receivables $8,691,107,765 $9,892,516,887 $8,972,140,840 $8,001,969,108
Cash And Cash Equivalents $6,010,526,783 $4,938,586,635 $5,526,008,710 $5,054,929,421
Cash Equivalents $708,855,127 $616,645,229 $516,141,827 $200,242,009
Cash Financial $1,166,891,864 $1,190,078,695 $1,211,306,948 $1,197,871,027
Cash Cash Equivalents And Federal Funds Sold $6,154,845,199 $5,405,678,809 $5,914,165,363 $5,416,490,256
Prepaid Assets - - - -
Accounts Receivable - - - -
Debt
Net Debt $14,355,169,925 $16,843,345,115 $13,564,598,980 $17,878,381,715
Total Debt $21,265,784,835 $22,693,411,678 $19,978,390,394 $22,933,311,136
Long Term Debt And Capital Lease Obligation $20,480,266,949 $22,195,212,822 $19,651,987,274 $22,933,311,136
Long Term Debt $19,580,178,822 $21,283,732,893 $18,764,204,570 $22,933,311,136
Current Debt And Capital Lease Obligation $785,517,886 $498,198,856 $326,403,121 -
Current Debt $785,517,886 $498,198,856 $326,403,121 -
Liabilities
Total Liabilities Net Minority Interest $99,914,409,623 $93,714,197,876 $85,752,915,910 $84,197,374,171
Derivative Product Liabilities $631,642,224 $328,684,788 $754,278,597 $560,057,647
Non Current Deferred Liabilities $2,115,609,243 $1,952,106,694 $1,932,481,809 $1,773,931,511
Non Current Deferred Taxes Liabilities $1,894,928,263 $1,786,049,312 $1,763,845,109 $1,609,941,464
Payables And Accrued Expenses $1,583,230,212 $1,503,090,096 $1,659,484,019 $1,300,243,966
Payables $1,583,230,212 $1,503,090,096 $1,659,484,019 $1,300,243,966
Other Payable $20,083,445 $51,609,572 $37,324,266 $35,324,030
Dividends Payable $112,819,955 $100,273,805 $167,900,206 $70,219,711
Total Tax Payable $331,324,845 $316,542,183 $349,462,750 $303,105,307
Income Tax Payable $331,324,845 $316,542,183 $349,462,750 $303,105,307
Accounts Payable $1,119,001,967 $1,034,664,537 $1,104,796,798 $891,594,917
Equity
Common Stock Equity $5,865,842,982 $5,549,542,482 $5,336,930,814 $5,236,536,804
Total Equity Gross Minority Interest $11,048,308,558 $10,545,889,173 $10,023,569,513 $9,801,363,075
Stockholders Equity $5,865,842,982 $5,549,542,482 $5,336,930,814 $5,236,536,804
Gains Losses Not Affecting Retained Earnings $-102,445,443 $-77,587,192 $-173,062,975 $-364,610,479
Other Equity Adjustments $-102,445,443 $-77,587,192 $-173,062,975 $-364,610,479
Retained Earnings $2,938,774,167 $2,595,992,012 $2,458,722,757 $2,549,876,251
Long Term Equity Investment $417,991,642 $454,933,033 $410,440,356 $452,626,561
Other
Ordinary Shares Number $7,550,483 $7,550,483 $7,550,483 $7,550,483
Share Issued $7,550,483 $7,550,483 $7,550,483 $7,550,483
Tangible Book Value $-19,234,696 $-586,787,343 $-432,242,922 $-338,389,905
Invested Capital $26,231,539,691 $27,331,474,231 $24,427,538,504 $28,169,847,940
Capital Lease Obligations $900,088,127 $911,479,928 $887,782,704 -
Total Capitalization $25,446,021,805 $26,833,275,375 $24,101,135,383 $28,169,847,940
Minority Interest $5,182,465,575 $4,996,346,692 $4,686,638,699 $4,564,826,271
Additional Paid In Capital $3,021,963,608 $3,023,587,011 $3,043,720,382 $3,043,720,382
Capital Stock $7,550,650 $7,550,650 $7,550,650 $7,550,650
Common Stock $7,550,650 $7,550,650 $7,550,650 $7,550,650
Employee Benefits $314,107,556 $319,052,812 $288,685,168 $283,028,223
Non Current Deferred Revenue $220,680,980 $166,057,381 $168,636,699 $163,990,047
Long Term Capital Lease Obligation $900,088,127 $911,479,928 $887,782,704 -
Long Term Provisions $314,694,271 $350,652,080 $344,486,648 $390,243,385
Line Of Credit $785,517,886 $498,198,856 $326,403,121 -
Investments And Advances $20,513,099,112 $17,716,163,895 $14,590,283,129 $14,277,617,396
Available For Sale Securities $1,989,318,068 $2,103,510,204 $2,153,728,197 $10,708,566,188
Trading Securities $8,548,087,117 $6,103,713,585 $4,252,822,937 $3,116,424,646
Goodwill $654,167,928 $707,112,792 $700,311,991 $714,938,514
Net PPE $2,774,673,455 $1,994,036,271 $1,936,450,797 $2,020,739,572
Accumulated Depreciation $-1,295,116,494 $-1,244,693,708 $-1,155,829,513 $-1,116,600,095
Gross PPE $4,069,789,949 $3,238,729,978 $3,092,280,310 $3,137,339,667
Leases $59,097,575 $72,055,539 $64,518,245 $63,195,037
Construction In Progress $92,923,814 $66,218,922 $47,535,006 $45,553,851
Other Properties $373,180,327 $358,990,422 $342,327,411 $329,585,371
Machinery Furniture Equipment $2,386,922,574 $1,399,003,760 $1,321,539,000 $1,272,389,495
Buildings And Improvements $982,608,808 $1,086,637,586 $1,059,419,120 $1,132,875,778
Land And Improvements $175,056,851 $255,823,749 $256,941,528 $293,740,135
Other Short Term Investments $9,557,702,284 $9,054,007,073 $7,773,291,638 -
Commercial Paper - - - -
Fetched: 2026-10-24
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $1,938,180,094 $-165,734,927 $1,501,894,725 $-435,258,539
Operating Activities
Operating Cash Flow $2,348,438,553 $248,769,819 $1,909,764,031 $-70,635,976
Cash From Discontinued Operating Activities $-640,392,698 $80,022,773 $-602,257,844 -
Cash Flow From Continuing Operating Activities $2,988,831,251 $168,747,046 $2,512,021,875 $-70,635,976
Operating Gains Losses $-315,374,796 $-193,451,702 $-202,202,176 $-126,687,088
Investing Activities
Capital Expenditure $-410,258,459 $-414,504,745 $-407,869,306 $-364,622,563
Investing Cash Flow $-454,984,549 $-999,123,312 $585,330,256 $-4,137,998,931
Cash From Discontinued Investing Activities $284,799,178 $-64,414,894 $105,305,875 $-5,587,427,067
Cash Flow From Continuing Investing Activities $-739,783,728 $-934,708,417 $480,024,380 $1,449,428,137
Net Other Investing Changes $36,213,483 $23,445,367 $27,511,346 $26,158,564
Capital Expenditure Reported $-8,746,339 $-8,556,492 $-8,347,564 $-9,240,515
Financing Activities
Repurchase Of Capital Stock $-1,908 $-17,490,135 $0 $-4,774,489
Financing Cash Flow $-847,346,784 $-433,440,837 $-1,124,738,095 $-2,725,501,054
Cash From Discontinued Financing Activities $12,014,133 $-706,919 $430,172,726 -
Cash Flow From Continuing Financing Activities $-859,360,917 $-432,733,918 $-1,554,910,822 $-2,725,501,054
Net Other Financing Charges $-210,602,211 $-212,212,575 $-291,268,938 $-195,627,793
Cash Dividends Paid $-199,014,201 $-231,563,342 $-243,760,644 $-131,737,921
Net Common Stock Issuance $-1,908 $-17,490,135 $0 $-4,774,489
Dividends Received Cfi $141,315,837 $139,608,482 $149,868,831 $130,816,350
Net Preferred Stock Issuance - - $0 $0
Issuance Of Capital Stock - - - $0
Common Stock Issuance - - - $0
Other
Repayment Of Debt $-617,922,327 $-678,757,467 $-1,373,442,405 $-2,492,470,767
Issuance Of Debt $168,179,730 $707,289,601 $353,561,166 $221,054,951
End Cash Position $6,154,845,199 $5,405,678,809 $5,914,165,363 $5,416,490,256
Other Cash Adjustment Outside Changein Cash $127,550,147 $0 $63,918 $-443,168,850
Beginning Cash Position $5,405,678,809 $5,914,165,363 $5,416,490,256 $11,652,509,397
Effect Of Exchange Rate Changes $-424,490,976 $675,307,777 $-872,745,004 $1,141,285,671
Changes In Cash $1,046,107,220 $-1,183,794,330 $1,370,356,192 $-6,934,135,961
Common Stock Payments $-1,908 $-17,490,135 $0 $-4,774,489
Net Issuance Payments Of Debt $-449,742,597 $28,532,134 $-1,019,881,240 $-2,393,360,851
Net Long Term Debt Issuance $-449,742,597 $28,532,134 $-1,019,881,240 $-2,393,360,851
Long Term Debt Payments $-617,922,327 $-678,757,467 $-1,373,442,405 $-2,492,470,767
Long Term Debt Issuance $168,179,730 $707,289,601 $353,561,166 $221,054,951
Net Investment Purchase And Sale $-669,515,998 $-825,790,670 $382,528,963 $1,466,387,844
Sale Of Investment $7,111,012,740 $6,316,101,379 $10,484,304,501 $10,348,449,720
Purchase Of Investment $-7,780,528,738 $-7,141,892,050 $-10,101,775,538 $-8,882,061,876
Net Investment Properties Purchase And Sale $63,493,641 $20,849,831 $35,418,795 $23,544,901
Sale Of Investment Properties $66,121,295 $21,102,007 $35,470,629 $24,265,495
Purchase Of Investment Properties $-2,627,654 $-252,176 $-51,834 $-720,594
Net Business Purchase And Sale $0 $0 $-728,226 $0
Purchase Of Business $0 $0 $-728,226 $0
Net Intangibles Purchase And Sale $-159,482,681 $-110,345,260 $56,290,568 $-46,290,027
Sale Of Intangibles $50,489,885 $97,208,897 $271,503,496 $143,931,725
Purchase Of Intangibles $-209,972,566 $-207,554,157 $-215,212,928 $-190,221,752
Net PPE Purchase And Sale $-143,061,670 $-173,919,674 $-162,518,332 $-141,948,980
Sale Of PPE $48,477,883 $24,474,423 $21,790,482 $23,211,317
Purchase Of PPE $-191,539,554 $-198,394,096 $-184,308,814 $-165,160,296
Taxes Refund Paid $-687,976,040 $-635,577,187 $-625,634,522 $-488,782,168
Interest Received Cfo $7,447,463,784 $8,521,765,419 $7,903,481,523 $5,388,528,619
Interest Paid Cfo $-5,710,709,939 $-6,590,725,433 $-6,625,666,906 $-3,420,017,769
Change In Working Capital $2,372,673,520 $-694,807,051 $2,268,316,246 $-664,358,634
Change In Other Working Capital $5,553,616,093 $2,882,175,137 $2,924,511,439 $6,286,438,747
Change In Other Current Liabilities $868,935,335 $348,821,339 $469,869,926 $147,194,112
Change In Other Current Assets $-2,129,662 $-43,877,342 $-32,242,268 $38,744,465
Change In Receivables $-283,788,884 $-252,006,766 $-366,352,497 $-755,832,993
Changes In Account Receivables $-283,788,884 $-252,006,766 $-366,352,497 -
Other Non Cash Items $-3,396,392,731 $-3,110,249,038 $-3,126,042,312 $-4,112,447,116
Depreciation Amortization Depletion $434,310,892 $393,108,269 $353,417,747 $346,781,672
Depreciation And Amortization $434,310,892 $393,108,269 $353,417,747 $346,781,672
Amortization Cash Flow $244,178,181 $214,440,182 $184,430,927 $168,740,050
Amortization Of Intangibles $244,178,181 $214,440,182 $184,430,927 $168,740,050
Depreciation $190,132,711 $178,668,087 $168,986,820 $178,041,622
Earnings Losses From Equity Investments $-111,598,190 $-120,330,855 $-118,105,156 $-118,543,999
Net Foreign Currency Exchange Gain Loss $-186,028,253 $143,939,039 $-716,739,362 $580,582,797
Gain Loss On Sale Of PPE $-43,571,106 $-26,919,543 $-113,144,318 $-48,740,236
Net Income From Continuing Operations $1,469,563,734 $988,285,152 $1,088,579,945 $1,995,265,350
Preferred Stock Payments - - $0 $0
Asset Impairment Charge - - - -
Fetched: 2026-10-24