Saturday 17 October 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. 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%

Follow AVAL

Alert me

Market cap: $1.9B
P/E: 12.2×
Fwd P/E: —
Dividend yield: 5.18%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 68.15%

Capital & Financial Ratios $m

Market Cap 1,850.00

Revenue 8,558.09

Net Income 924.25

Free Cash Flow 2,221.40

Net Debt (921.12)

Current Ratio 0.88

Debt/Equity 0.56

P/E ratio 12.20

Fwd P/E —

P/S ratio 0.68

P/B ratio 0.83

Past 5Y EPS Growth (9.41%)

This Y EPS Growth 33.22%

Next Y EPS Growth 21.42%

Next Y revenue growth —

Next 5Y EPS Growth 24.35%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 64.65%

10-year low 10-year high

P/S against its own 10 years 50.98%

10-year low 10-year high

P/B against its own 10 years 55.55%

10-year low 10-year high

Dividends

Payout Ratio 0.63

Annual Dividend Rate 0.25

Annual Dividend Yield 5.18%

	total	individual payouts
2027	0.03	0.02 0.02
2026	0.18	0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02 0.02 0.02 0.02
2025	0.13	0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
2024	0.13	0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
2023	0.16	0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
2022	1.78	0.02 0.02 1.47 0.27
2021	0.29	0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
2020	0.33	0.03 0.03 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
2019	0.35	0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
2018	0.34	0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02
2017	0.40	0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
2016	0.42	0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	5.59	7.42	5.59	5.85	3.32	5.07	1.96	2.02	1.94	2.03	Analyst estimates 2026–2028 Powerpack
	High	9.04	9.38	9.51	8.86	8.92	7.03	5.79	2.68	2.71	4.50
People
People	Employees	77,050	80,565	91,191	111,192	104,862	107,076	77,043	74,036	70,271	67,585
	Revenue/emp, $m	0.08	0.11	0.09	0.08	0.10	0.08	0.07	0.09	0.07	0.09
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
	Gross margin, %	57.16	68.36	71.89	70.85	77.05	76.61	59.34	35.15	10.92	41.48
	EBT	1,858	1,647	2,257	2,236	1,943	2,556	1,255	698	628	924
	EBT margin, %	28.45	18.90	27.54	26.27	17.98	28.81	21.87	9.99	13.37	14.98
	Net income	1,858	1,647	2,257	2,236	1,943	2,556	1,255	698	628	924
	Depreciation	260	302	295	390	420	434	218	230	255	273
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
	Earnings	0.64	0.60	0.80	0.82	0.59	0.79	0.51	0.14	0.21	0.36
	Cash flow	0.67	1.54	2.41	1.52	2.70	1.59	(0.04)	1.01	0.13	1.24
	Capex	(0.20)	(0.20)	(0.24)	(0.26)	(0.30)	(0.30)	(0.10)	(0.20)	(0.20)	(0.19)
	Free cash flow	0.46	1.33	2.17	1.26	2.39	1.29	(0.14)	0.81	(0.07)	1.06
	Book value	6.64	7.78	8.16	8.98	9.54	10.63	5.33	5.31	5.59	5.85
	Shares, m	1,238	1,114	1,114	1,114	1,114	1,114	1,157	1,187	1,187	1,187
Valuation, ×
Valuation, ×	P/E	12.75	14.93	6.78	8.85	11.28	6.39	3.81	18.00	11.94	11.25
	P/S	1.55	1.11	0.80	1.14	0.71	0.64	0.49	0.43	0.26	0.78
	P/B	1.23	1.11	0.72	0.97	0.72	0.48	0.46	0.47	0.54	0.69
	EV/Sales	1.14	0.80	0.22	0.53	0.23	0.12	0.47	0.12	0.12	(0.02)
	EV/FCF	0.80	1.21	0.24	0.85	0.38	0.20	0.49	1.08	1.40	(0.06)
Cash, $m
Cash, $m	Operating cash flow	828	1,712	2,687	1,690	3,006	1,770	(44)	1,201	156	1,477
	Capex	(252)	(227)	(268)	(288)	(339)	(338)	(116)	(237)	(241)	(220)
	Free cash flow	576	1,485	2,419	1,403	2,668	1,432	(160)	964	(85)	1,257
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)
	Total debt	6,188	6,402	6,198	6,575	8,328	9,677	5,672	4,686	5,243	4,291
	Net debt	(2,680)	(2,692)	(4,759)	(5,194)	(5,191)	(4,611)	(102)	(2,124)	(2,189)	(5,399)
	Shareholders’ equity	8,218	8,670	9,094	10,004	10,632	11,841	6,164	6,304	6,633	6,949
Returns, %
Returns, %	ROA	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
	ROE	9.21	7.79	10.09	9.53	6.83	8.80	5.52	2.37	3.14	5.07

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
TBBK The Bancorp, Inc.	$2.0B	9.2×	9.1×	−9.61% (below 0%: shrinking)	+14.06% (above 0%: growing)	−31.16% (below 0%: shrinking)	79.72%	0.00%	Compare
CHCO City Holding Company	$2.0B	15.5×	14.0×	+1.16% (above 0%: growing)	+2.62% (above 0%: growing)	+19.16% (above 0%: growing)	80.74%	0.00%	Compare
BLX Bladex Inc.	$1.9B	9.0×	8.9×	+3.74% (above 0%: growing)	+2.31% (above 0%: growing)	−117.11% (below 0%: shrinking)	43.99%	0.00%	Compare
GABC German American Bancorp, Inc.	$1.9B	13.2×	11.8×	+3.05% (above 0%: growing)	+21.43% (above 0%: growing)	+110.42% (above 0%: growing)	78.75%	0.00%	Compare
AVAL Grupo Aval Acciones y Valores S.A.	$1.9B	12.2×	—	+74.54% (above 0%: growing)	+30.00% (above 0%: growing)	+884.01% (above 0%: growing)	46.31%	0.00%
DCOM Dime Community Bancshares, Inc.	$1.7B	14.0×	11.2×	+4.11% (above 0%: growing)	+17.19% (above 0%: growing)	+159.40% (above 0%: growing)	67.80%	0.00%	Compare
HOPE Hope Bancorp, Inc.	$1.7B	13.4×	11.8×	+17.99% (above 0%: growing)	n/m	+727.66% (above 0%: growing)	57.96%	0.00%	Compare
STBA S&T Bancorp, Inc.	$1.7B	12.9×	12.2×	+0.36% (above 0%: growing)	+22.89% (above 0%: growing)	−0.50% (below 0%: shrinking)	73.64%	0.00%	Compare
HAPN Happen Inc.	$1.7B	8.5×	9.8×	+6.49% (above 0%: growing)	+51.52% (above 0%: growing)	+25.25% (above 0%: growing)	74.51%	0.00%	Compare
Median of peers	$1.8B	13.0×	11.5×	+3.40%	+17.19%	+22.21%	74.08%	0.00%

All 323 Banks Regional stocks →

Grupo Aval Acciones y Valores S.A. (AVAL) key facts

Strength: 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.
Grupo Aval Acciones y Valores S.A. (AVAL) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, AVAL traded at $4.88, a market capitalization of $1.9 billion.
Grupo Aval Acciones y Valores S.A. pays an annual dividend of $0.25 per share, a yield of 5.18%, with a payout ratio of 63.2%.
Return on equity was 5.07% and debt-to-equity 0.56.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.