Grupo Aval Acciones y Valores S.A. (AVAL) vs Bladex Inc. (BLX)

Grupo Aval Acciones y Valores S.A. and Bladex Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and Bladex Inc. are of similar size ($1.9B and $1.9B). Bladex Inc. trades at the lower P/E: 9.0× against 12.4×. Grupo Aval Acciones y Valores S.A. grew revenue faster over the last twelve months: 1.48% against 0.51%. Bladex Inc. has the higher net margin (27.8% vs 5.23%) and the higher return on invested capital (3.69% vs −0.19%). Both pay a dividend; Grupo Aval Acciones y Valores S.A. yields more (6.78% vs 4.26%). Across the 19 metrics below, Grupo Aval Acciones y Valores S.A. leads on 10 and Bladex Inc. on 9.

Valuation

Metric AVAL BLX Banks Regional median
P/E 12.40 9.03 12.15
P/S 0.69 2.44 2.37
P/B 0.85 1.17 1.21
Price to free cash flow 2.65 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.58 5.13 2.27
Earnings yield 8.06% 11.07% 8.11%
Free cash flow yield 37.73% (11.19%) 8.98%

Profitability

Metric AVAL BLX Banks Regional median
Gross margin 43.20% 42.01% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 27.77% 18.66%
Free cash flow margin 0.00% (27.10%) 21.18%
Return on equity 0.00% 14.74% 10.64%
Return on assets 0.52% 1.72% 1.13%
Return on invested capital (0.19%) 3.69% 8.33%

Growth

Metric AVAL BLX Banks Regional median
Revenue growth (TTM) 1.48% 0.51% 6.61%
EPS growth (last fiscal year) 71.43% 9.11% —
Revenue growth, 5-year CAGR (10.60%) 34.81% 12.30%
Net income growth, 5-year CAGR (13.35%) 28.97% 9.71%

Health

Metric AVAL BLX Banks Regional median
Debt to equity 0.56 2.36 0.22
Current ratio 0.88 1.49 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL BLX Banks Regional median
Dividend yield 6.78% 4.26% 3.75%
Payout ratio 0.30 0.28 0.27

Size

Metric AVAL BLX Banks Regional median
Market cap 1.85b 1.92b 921.07m

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