Friday 6 November 2026 Export AVAL’s income statement to Excel — free account

Grupo Aval Acciones y Valores S.A.

Grupo Aval Acciones y Valores S.A.’s revenue for fiscal 2025 (year ended December 2025) was $6.2 billion, up 31.4% from fiscal 2024.

Revenue: +74.5%
EPS: +30.0%
Free cash flow: +884.0%
Total debt: +19.1%

Quarter to June 2026, against a year earlier

4.19 0.12 −2.78%

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Market cap: $1.6B
P/E: 10.5×
Fwd P/E: —
Dividend yield: 4.17%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 68.15%

Capital & Financial Ratios $m

Size

Market Cap 1,580.00

Revenue ttm 8,558.09

Net income ttm 924.25

Free cash flow ttm 2,221.40

Net debt Q (921.12)

Valuation

P/E 10.48

Forward P/E —

Price / sales 0.58

Forward P/S Powerpack

Price / FCF 2.24

Price / book 0.72

Financial health

Current ratio Q 0.88

Debt / equity Q 0.56

Interest coverage Q —

Growth

Revenue growth Q +74.54%

Operating income growth Q +79.01%

EPS, this year +34.58%

EPS, next year A +20.90%

Revenue, next year A —

EPS, past 5 yrs −9.41%

EPS, next 5 yrs A +25.57%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 45.54%

10-year low 10-year high

P/S against its own 10 years 37.48%

10-year low 10-year high

P/B against its own 10 years 46.09%

10-year low 10-year high

Dividends

Yield: 4.17%
Annual rate: 0.17
Payout ratio: 43.7%
Growth, 2019–27: −25.6%/yr

0.35 ’19
0.33 ’20 −8
0.29 ’21 −11
1.78 ’22 +513
0.16 ’23 −91
0.13 ’24 −14
0.13 ’25 +1
0.18 ’26 +37
0.03 ’27 −82

paid change on the year, %

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	6,810	7,432	9,690	6,758
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	47,167	51,050	51,427	71,658

	2023	2024	2025	Q'26
Payables	36,397	40,174	41,481	66,441
ST’ Debt	—	—	—	—
Other	—	—	—	—
	44,820	49,496	55,215	81,732

Compound Annual Growth %

	10y	5y	3y
Sales	0.56%	(10.60%)	2.44%
Cash Flow	(7.75%)	(13.25%)	0.00%
Earnings	(6.13%)	(13.35%)	(11.49%)
Book Value	(0.46%)	(8.15%)	4.07%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.12 Actual 0.13

0.10 0.11 0.12 0.12 0.13

Jun 2025 Met 0.00

Sep 2025 Beat +0.01

Dec 2025 Beat +0.02

Jun 2026 Beat +0.01

Sep 2026 — Nov 12

Earnings per share against the consensus, by quarter
Quarter	Estimate	Reported	Result
Jun 2025	0.10	0.10	Met by 0.00
Sep 2025	0.10	0.11	Beat by 0.01
Dec 2025	0.10	0.12	Beat by 0.02
Jun 2026	0.12	0.13	Beat by 0.01
Sep 2026	0.13	—	Reports 12 November 2026

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.08	0.13	—	—	—
’25	0.07	0.10	0.11	0.08	0.36
’24	0.02	0.04	0.09	—	0.21
’23	0.08	0.03	0.01	0.02	0.14
’22	0.47	0.15	0.08	(0.06)	0.51
’21	0.21	0.23	0.18	0.18	0.79
’20	0.18	0.08	0.19	0.16	0.59

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	2,888	3,096	—	—	—
’25	1,820	1,774	1,867	708	6,168
’24	2,913	2,755	2,085	—	4,696
’23	1,981	1,590	1,871	1,538	6,980
’22	2,137	1,975	1,429	197	5,738
’21	2,228	2,279	2,323	2,043	8,873
’20	2,091	2,593	2,415	3,704	10,803

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	1,477	1,477
’24	—	—	—	—	156
’23	—	392	244	565	1,201
’22	—	—	—	(44)	(44)
’21	—	—	—	1,770	1,770
’20	—	—	—	3,006	3,006

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	1,257	1,257
’24	—	—	—	—	(85)
’23	—	528	148	288	964
’22	—	—	—	(160)	(160)
’21	—	—	—	1,432	1,432
’20	—	—	—	2,668	2,668

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	6,528	8,713	8,194	8,509	10,803	8,873	5,738	6,980	4,696	6,168	8,558		(0.6%)	—	—	—	—
	Gross margin, %	57.16	68.36	71.89	70.85	77.05	76.61	59.34	35.15	10.92	41.48	43.20		(15.7) pt	Powerpack Grupo Aval Acciones y Valores S.A.’s next three years, line by line See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	1,858	1,647	2,257	2,236	1,943	2,556	1,255	698	628	924	1,292		(7.5%)
	EBT margin, %	28.45	18.90	27.54	26.27	17.98	28.81	21.87	9.99	13.37	14.98	15.10		(13.5) pt
	Net income	1,858	1,647	2,257	2,236	1,943	2,556	1,255	698	628	924	924		(7.5%)
Per share, $
Per share, $	Revenue	5.27	7.82	7.36	7.64	9.70	7.96	4.96	5.88	3.96	5.20	7.21		(0.2%)
	Earnings	0.64	0.60	0.80	0.82	0.59	0.79	0.51	0.14	0.21	0.36	0.40		(6.2%)
	Cash flow	0.67	1.54	2.41	1.52	2.70	1.59	(0.04)	1.01	0.13	1.24	0.00		+7.1%
	Capex	(0.20)	(0.20)	(0.24)	(0.26)	(0.30)	(0.30)	(0.10)	(0.20)	(0.20)	(0.19)	0.00		(1.1%)
	Free cash flow	0.46	1.33	2.17	1.26	2.39	1.29	(0.14)	0.81	(0.07)	1.06	0.00		+9.6%
	Book value	6.64	7.78	8.16	8.98	9.54	10.63	5.33	5.31	5.59	5.85	8.79		(1.4%)
	Shares, m	1,238	1,114	1,114	1,114	1,114	1,114	1,157	1,187	1,187	1,187	1,188		(0.5%)
Valuation, ×
Valuation, ×	P/E	12.75	14.93	6.78	8.85	11.28	6.39	3.81	18.00	11.94	11.25	10.48		10.6
	P/S	1.55	1.11	0.80	1.14	0.71	0.64	0.49	0.43	0.26	0.78	0.58		0.8
	P/B	1.23	1.11	0.72	0.97	0.72	0.48	0.46	0.47	0.54	0.69	0.72		0.7
	EV/Sales	1.14	0.80	0.22	0.53	0.23	0.12	0.47	0.12	0.12	(0.02)	—		0.4
	EV/FCF	0.80	1.21	0.24	0.85	0.38	0.20	0.49	1.08	1.40	(0.06)	—		0.7
Cash, $m
Cash, $m	Operating cash flow	828	1,712	2,687	1,690	3,006	1,770	(44)	1,201	156	1,477	2,678		+6.6%
	Capex	(252)	(227)	(268)	(288)	(339)	(338)	(116)	(237)	(241)	(220)	(457)		(1.5%)
	Free cash flow	576	1,485	2,419	1,403	2,668	1,432	(160)	964	(85)	1,257	2,221		+9.1%
Balance, $m
Balance, $m	Working capital	3,398	3,710	5,588	4,937	3,869	3,438	2,855	2,347	1,554	(3,788)	(10,073)		n/m
	Net debt	(2,680)	(2,692)	(4,759)	(5,194)	(5,191)	(4,611)	(102)	(2,124)	(2,189)	(5,399)	(921)		+8.1%
	Shareholders’ equity	8,218	8,670	9,094	10,004	10,632	11,841	6,164	6,304	6,633	6,949	10,431		(1.8%)
Returns, %
Returns, %	ROA	0.99	0.85	1.13	1.11	0.78	0.96	0.59	0.25	0.32	0.51	0.52		(0.5) pt
	ROIC	20.96	17.22	32.53	29.04	22.32	22.10	12.94	10.43	8.83	37.34	(0.19)		+16.4 pt
	ROE	9.21	7.79	10.09	9.53	6.83	8.80	5.52	2.37	3.14	5.07	0.00		(4.1) pt
People
People	Employees	77,050	80,565	91,191	111,192	104,862	107,076	77,043	74,036	70,271	67,585	—		(1.4%)
	Revenue/emp, $m	0.08	0.11	0.09	0.08	0.10	0.08	0.07	0.09	0.07	0.09	—		+0.8%

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
HOPE Hope Bancorp, Inc.	$1.7B	13.1×	13.1×	+2.73% (above 0%: growing)	+218.18% (above 0%: growing)	+727.66% (above 0%: growing)	58.92%	0.00%	Compare
QCRH QCR Holdings, Inc.	$1.7B	11.9×	11.6×	+5.68% (above 0%: growing)	+28.65% (above 0%: growing)	+1,791.78% (above 0%: growing)	64.70%	0.00%	Compare
NBHC National Bank Holdings Corporation	$1.6B	29.6×	20.5×	+18.27% (above 0%: growing)	n/m	+33.48% (above 0%: growing)	69.90%	0.00%	Compare
BFC Bank First National Corporation	$1.6B	19.3×	17.0×	+44.08% (above 0%: growing)	+29.24% (above 0%: growing)	+152.03% (above 0%: growing)	75.87%	0.00%	Compare
CNOB ConnectOne Bancorp, Inc.	$1.6B	11.3×	10.8×	−10.37% (below 0%: shrinking)	−24.36% (below 0%: shrinking)	+162.97% (above 0%: growing)	55.38%	0.00%	Compare
CASH Pathward Financial, Inc.	$1.6B	9.4×	9.2×	−2.04% (below 0%: shrinking)	+9.41% (above 0%: growing)	+20.54% (above 0%: growing)	99.33%	0.00%	Compare
RBCAA Republic Bancorp, Inc.	$1.6B	13.9×	12.6×	+1.88% (above 0%: growing)	+4.32% (above 0%: growing)	−102.32% (below 0%: shrinking)	82.94%	0.00%	Compare
AVAL Grupo Aval Acciones y Valores S.A.	$1.6B	10.5×	—	+74.54% (above 0%: growing)	+30.00% (above 0%: growing)	+884.01% (above 0%: growing)	46.31%	0.00%
LOB Live Oak Bancshares, Inc.	$1.6B	11.7×	12.7×	+16.97% (above 0%: growing)	+1.25% (above 0%: growing)	+92.37% (above 0%: growing)	58.14%	0.00%	Compare
Median of peers	$1.6B	12.5×	12.6×	+4.21%	+9.41%	+122.20%	67.30%	0.00%

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