Saturday 17 October 2026
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Grupo Aval Acciones y Valores S.A.
AVAL Financial Banks Regional
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. In the quarter to June 2026, revenue grew 74.5%, EPS grew 30.0%, free cash flow grew 884.0% and total debt rose 19.1%, each against the same quarter a year earlier.
4.88
0.02
−0.41%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.75 | 14.93 | 6.78 | 8.85 | 11.28 | 6.39 | 3.81 | 18.00 | 11.94 | 11.25 |
Piotroski F-Score |
6 | 8 | 8 | 5 | 6 | 4 | 3 | 4 | 4 | 8 |
P/S ratio |
1.55 | 1.11 | 0.80 | 1.14 | 0.71 | 0.64 | 0.49 | 0.43 | 0.26 | 0.78 |
P/FCF ratio |
1.08 | 1.68 | 0.88 | 1.83 | 1.18 | 1.03 | 0.51 | 3.72 | 3.00 | 2.16 |
P/Operating CF |
12.20 | 5.64 | 2.45 | 5.58 | 2.55 | 3.22 | (63.55) | 5.29 | 4.26 | 3.26 |
P/B ratio |
1.23 | 1.11 | 0.72 | 0.97 | 0.72 | 0.48 | 0.46 | 0.47 | 0.54 | 0.69 |
Price to Tangible BV |
2.12 | 1.92 | 1.36 | 1.87 | 1.51 | 1.05 | 1.06 | 1.12 | 3.34 | 1.48 |
EV/Sales |
1.14 | 0.80 | 0.22 | 0.53 | 0.23 | 0.12 | 0.47 | 0.12 | 0.12 | (0.02) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.75 | 1.04 | 0.21 | 0.74 | 0.34 | 0.17 | 0.42 | 0.75 | 0.98 | (0.05) |
EV/FCF |
0.80 | 1.21 | 0.24 | 0.85 | 0.38 | 0.20 | 0.49 | 1.08 | 1.40 | (0.06) |
Quick Ratio |
0.16 | 0.15 | 0.18 | 0.19 | 0.19 | 0.17 | 0.13 | 0.15 | 0.15 | 0.18 |
Current Ratio |
1.06 | 1.06 | 1.09 | 1.08 | 1.05 | 1.04 | 1.07 | 1.05 | 1.03 | 0.93 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
8.29% | 8.08% | 7.76% | 7.86% | 8.60% | 8.79% | 9.60% | 7.78% | 8.00% | 6.15% |
Debt/Equity |
0.75 | 0.74 | 0.68 | 0.66 | 0.78 | 0.82 | 0.92 | 0.74 | 0.79 | 0.62 |
Asset Turnover |
0.09 | 0.11 | 0.10 | 0.10 | 0.12 | 0.09 | 0.07 | 0.12 | 0.07 | 0.09 |
Operating CF/Net income |
1.16 | 2.60 | 3.00 | 1.86 | 4.27 | 1.79 | (0.09) | 8.13 | 0.77 | 4.29 |
Capex/Depreciation |
(0.97) | (0.75) | (0.91) | (0.74) | (0.81) | (0.78) | (0.53) | (1.03) | (0.95) | (0.80) |
| 9.21% | 7.79% | 10.09% | 9.53% | 6.83% | 8.80% | 5.52% | 2.37% | 3.14% | 5.07% | |
| 0.99% | 0.85% | 1.13% | 1.11% | 0.78% | 0.96% | 0.59% | 0.25% | 0.32% | 0.51% | |
ROIC |
20.96% | 17.22% | 32.53% | 29.04% | 22.32% | 22.10% | 12.94% | 10.43% | 8.83% | 37.34% |
Return on Tangible Assets |
13.29% | 11.63% | 12.22% | 13.64% | 12.43% | 18.68% | 13.01% | 4.55% | 8.15% | (14.43%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
28.71% | 49.45% | 44.35% | 44.58% | 59.07% | 47.80% | 37.47% | 25.15% | (2.45%) | 26.47% |
Intangible Assets out of Total Assets |
0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(0.61) | (0.64) | (0.77) | (0.64) | (1.25) | (2.13) | (2.37) | (2.26) | (3.69) | (2.37) |
Graham Number |
9.78 | 10.08 | 12.64 | 14.11 | 11.44 | 13.83 | 8.76 | 4.09 | 0.00 | 6.89 |
Earnings Yield |
7.84% | 6.70% | 14.75% | 11.30% | 8.87% | 15.66% | 26.23% | 5.56% | 8.37% | 8.89% |
Free Cash Flow Yield |
92.31% | 59.49% | 113.40% | 54.63% | 84.67% | 96.67% | 196.85% | 26.87% | 33.35% | 46.20% |
Revenue per Share |
5.27 | 7.82 | 7.36 | 7.64 | 9.70 | 7.96 | 4.96 | 5.88 | 3.96 | 5.20 |
Operating CF per Share |
0.67 | 1.54 | 2.41 | 1.52 | 2.70 | 1.59 | (0.04) | 1.01 | 0.13 | 1.24 |
Capex per Share |
(0.20) | (0.20) | (0.24) | (0.26) | (0.30) | (0.30) | (0.10) | (0.20) | (0.20) | (0.19) |
Free Cash Flow per Share |
0.46 | 1.33 | 2.17 | 1.26 | 2.39 | 1.29 | (0.14) | 0.81 | (0.07) | 1.06 |
Cash per Share |
7.16 | 8.16 | 9.83 | 10.56 | 12.14 | 12.83 | 4.99 | 5.74 | 6.26 | 8.16 |
Shareholders Equity per Share |
6.64 | 7.78 | 8.16 | 8.98 | 9.54 | 10.63 | 5.33 | 5.31 | 5.59 | 5.85 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.64 | 7.78 | 8.16 | 8.98 | 9.54 | 10.63 | 5.33 | 5.31 | 5.59 | 5.85 |
Free Cash Flow |
575.60 | 1,484.90 | 2,419.00 | 1,402.84 | 2,667.69 | 1,432.44 | (160.36) | 964.14 | (84.92) | 1,257.26 |
Working Capital |
3,398.40 | 3,710.00 | 5,588.40 | 4,937.35 | 3,869.14 | 3,437.94 | 2,854.99 | 2,346.67 | 1,553.97 | (3,787.92) |
Capital Expenditures |
(252.40) | (227.10) | (267.80) | (287.66) | (338.52) | (338.05) | (115.94) | (236.96) | (241.38) | (219.74) |
Net Current Asset Value |
(6,125.80) | (6,212.20) | (5,086.10) | (6,182.63) | (9,556.08) | (12,143.29) | (6,679.78) | (6,765.38) | (7,889.30) | (11,411.33) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.05 | 0.04 |
Price to Operating Income |
766.48 | 0.00 | 0.00 | 142.96 | 0.00 | 35.69 | 0.00 | 0.00 | 11.12 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.13 | 0.16 | 0.17 | 0.22 | 0.23 | 0.23 | 0.23 | 0.25 | 0.27 | 0.19 |
Cash ROIC |
2.47% | 6.14% | 9.22% | 4.95% | 8.21% | 4.00% | (0.91%) | 5.42% | (0.44%) | 6.01% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.06 | 0.06 | 0.04 | 0.05 | 0.04 | 0.03 | 0.04 | 0.13 | 0.11 | 0.09 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
6,257.91 | 6,871.00 | 8,015.04 | 7,748.00 | 9,358.47 | 12,369.70 | 5,424.16 | 2,934.97 | 3,505.65 | 4,194.56 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
45,559.00 | 49,928.10 | 51,240.60 | 51,611.72 | 58,099.96 | 66,946.81 | 52,504.68 | 35,532.86 | 38,285.96 | 40,827.74 |
Average Assets |
71,736.30 | 76,971.25 | 79,587.55 | 81,777.99 | 90,259.27 | 103,469.98 | 84,594.73 | 59,677.29 | 62,904.10 | 67,679.61 |
Average Common Equity |
7,745.40 | 8,443.95 | 8,882.25 | 9,549.44 | 10,318.18 | 11,236.68 | 9,002.91 | 6,234.21 | 6,468.33 | 6,790.58 |
Columns are period end dates