Grupo Aval Acciones y Valores SA posted record net income in Q2 2026 earnings highlights. Record net income marks major positive financial performance with strong potential to lift valuation and investor sentiment.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | 0.03 |
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| 2026 | 0.18 |
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| 2025 | 0.13 |
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| 2024 | 0.13 |
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| 2023 | 0.16 |
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| 2022 | 1.78 |
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| 2021 | 0.29 |
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| 2020 | 0.33 |
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| 2019 | 0.35 |
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| 2018 | 0.34 |
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| 2017 | 0.40 |
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| 2016 | 0.42 |
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| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 6,809.80 | 7,432.42 | 9,690.46 | 6,757.68 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 47,166.85 | 51,049.99 | 51,427.44 | 71,658.30 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 36,397.48 | 40,174.43 | 41,481.05 | 66,441.09 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 44,820.18 | 49,496.02 | 55,215.36 | 81,731.70 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 2,887.77 | 3,095.55 | — | — |
—
|
| ’25 | 1,819.62 | 1,773.54 | 1,866.78 | 707.99 |
6,167.93
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| ’24 | 2,912.82 | 2,754.78 | 2,085.30 | — |
4,695.60
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| ’23 | 1,980.52 | 1,590.22 | 1,870.94 | 1,537.82 |
6,979.50
|
| ’22 | 2,136.90 | 1,975.20 | 1,429.40 | 196.55 |
5,738.05
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| ’21 | 2,228.04 | 2,278.71 | 2,323.08 | 2,043.18 |
8,873.01
|
| ’20 | 2,091.12 | 2,592.63 | 2,415.24 | 3,703.65 |
10,802.63
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | — | — | — | — |
—
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| ’25 | — | — | — | 1,476.99 |
1,476.99
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| ’24 | — | — | — | — |
156.46
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| ’23 | — | 392.43 | 243.51 | 565.16 |
1,201.10
|
| ’22 | — | — | — | (44.42) |
(44.42)
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| ’21 | — | — | — | 1,770.49 |
1,770.49
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| ’20 | — | — | — | 3,006.22 |
3,006.22
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| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | — | — | — | — |
—
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| ’25 | — | — | — | 1,257.26 |
1,257.26
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| ’24 | — | — | — | — |
(84.92)
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| ’23 | — | 528.08 | 148.11 | 287.94 |
964.14
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| ’22 | — | — | — | (160.36) |
(160.36)
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| ’21 | — | — | — | 1,432.44 |
1,432.44
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| ’20 | — | — | — | 2,667.69 |
2,667.69
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.08 | 0.13 | — | — |
—
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| ’25 | 0.07 | 0.10 | 0.11 | 0.08 |
0.36
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| ’24 | 0.02 | 0.04 | 0.09 | — |
0.21
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| ’23 | 0.08 | 0.03 | 0.01 | 0.02 |
0.14
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| ’22 | 0.47 | 0.15 | 0.08 | (0.06) |
0.51
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| ’21 | 0.21 | 0.23 | 0.18 | 0.18 |
0.79
|
| ’20 | 0.18 | 0.08 | 0.19 | 0.16 |
0.59
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 1.96 | 2.02 | 1.94 | 2.03 | — | — | — |
Low Price
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 5.79 | 2.68 | 2.71 | 4.50 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 77,043 | 74,036 | 70,271 | 67,585 | — | — | — |
Employees
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.07 | 0.09 | 0.07 | 0.09 | — | — | — |
Revenue/Emp
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5,738.05 | 6,979.50 | 4,695.60 | 6,167.93 | — | — | — |
Revenue
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 59.34% | 35.15% | 10.92% | 41.48% | — | — | — |
Gross Margin
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,254.87 | 697.51 | 627.58 | 924.25 | — | — | — |
EBT
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 21.87% | 9.99% | 13.37% | 14.98% | — | — | — |
EBT Margin
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,254.87 | 697.51 | 627.58 | 924.25 | — | — | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 218.10 | 230.23 | 254.93 | 273.15 | — | — | — |
Depreciation
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.96 | 5.88 | 3.96 | 5.20 | — | — | — |
Revenue/Sh
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| ‡‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 0.51 | 0.14 | 0.21 | 0.36 | — | — | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.04) | 1.01 | 0.13 | 1.24 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.10) | (0.20) | (0.20) | (0.19) | — | — | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.14) | 0.81 | (0.07) | 1.06 | — | — | — |
Free CF/Sh
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.33 | 5.31 | 5.59 | 5.85 | — | — | — |
Book Value/Sh
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,157.12 | 1,187.17 | 1,187.17 | 1,187.17 | — | — | — |
Shares
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.81 | 18.00 | 11.94 | 11.25 | — | — | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.49 | 0.43 | 0.26 | 0.78 | — | — | — |
PS Ratio
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.46 | 0.47 | 0.54 | 0.69 | — | — | — |
PB Ratio
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.47 | 0.12 | 0.12 | (0.02) | — | — | — |
EV/Sales
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.49 | 1.08 | 1.40 | (0.06) | — | — | — |
EV/FCF
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (44.42) | 1,201.10 | 156.46 | 1,476.99 | — | — | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (115.94) | (236.96) | (241.38) | (219.74) | — | — | — |
Capex
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (160.36) | 964.14 | (84.92) | 1,257.26 | — | — | — |
FCF
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,854.99 | 2,346.67 | 1,553.97 | (3,787.92) | — | — | — |
Working Cap'
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5,672.44 | 4,685.57 | 5,243.17 | 4,291.40 | — | — | — |
Total Debt
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (102.41) | (2,124.23) | (2,189.25) | (5,399.06) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6,164.33 | 6,304.08 | 6,632.58 | 6,948.57 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.59% | 0.25% | 0.32% | 0.51% | — | — | — |
ROA
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| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.94% | 10.43% | 8.83% | 37.34% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.52% | 2.37% | 3.14% | 5.07% | — | — | — |
ROE
|
Grupo Aval Acciones y Valores S.A. (NYSE: AVAL), a Colombian banking giant, has seen its revenue plummet 57% from a 2020 peak of $10.8 billion to $4.7 billion in 2024, with earnings before tax halving repeatedly to $628 million and margins collapsing from 28.8% to 13.4%. ROE has eroded 69% to 3.1%, ROIC to 8.8%, and free cash flow per share turned negative, amid Colombia’s sticky inflation, tepid GDP growth under 2%, and rising loan loss provisions—painting a picture of structural decay rather than cyclical woes.
Despite a recent stock rebound from 2023-2024 lows of ~$2.70—up 60-100%—fundamentals diverge sharply: EPS down 73% to $0.21, PE at 11.9x, and no insider buying in 12 months. Analyst consensus targets imply 13% downside from recent closes, with political risks from President Petro’s reforms fueling fiscal deficits and currency volatility adding to the caution.
Cheap valuations like 0.54x PB tempt yield-chasers, but fintech competition, regulatory squeezes, and potential pension reforms signal a risky trap. Is AVAL’s rally a mirage or turnaround spark? Dive into the full analysis for the quantitative verdict.
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