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Grupo Aval Acciones y Valores S.A. (AVAL) vs City Holding Company (CHCO)

Grupo Aval Acciones y Valores S.A. and City Holding Company are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and City Holding Company are of similar size ($2.0B and $1.9B). Grupo Aval Acciones y Valores S.A. trades at the lower P/E: 12.2× against 15.5×. City Holding Company grew revenue faster over the last twelve months: 3.37% against 1.48%. City Holding Company has the higher net margin (32.8% vs 5.23%) and the higher return on invested capital (14.8% vs −0.19%). Both pay a dividend; Grupo Aval Acciones y Valores S.A. yields more (5.18% vs 2.55%). Across the 19 metrics below, City Holding Company leads on 10 and Grupo Aval Acciones y Valores S.A. on 9.

Valuation

Metric AVAL CHCO Banks Regional median
P/E 12.20 15.50 11.98
P/S 0.68 4.95 2.34
P/B 0.83 2.46 1.19
Price to free cash flow 2.61 14.24 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.20% 6.45% 8.23%
Free cash flow yield 38.34% 7.02% 9.08%

Profitability

Metric AVAL CHCO Banks Regional median
Gross margin 43.20% 80.00% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 32.75% 18.66%
Free cash flow margin 0.00% 34.74% 21.11%
Return on equity 0.00% 16.76% 10.65%
Return on assets 0.52% 1.97% 1.13%
Return on invested capital (0.19%) 14.81% 8.35%

Growth

Metric AVAL CHCO Banks Regional median
Revenue growth (TTM) 1.48% 3.37% 6.98%
EPS growth (last fiscal year) 71.43% 13.18% 18.88%
Revenue growth, 5-year CAGR (10.60%) 8.86% 12.38%
Net income growth, 5-year CAGR (13.35%) 7.81% 9.71%

Health

Metric AVAL CHCO Banks Regional median
Debt to equity 0.56 0.19 0.22
Current ratio 0.88 0.83 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL CHCO Banks Regional median
Dividend yield 5.18% 2.55% 2.57%
Payout ratio 0.63 0.40 0.30

Size

Metric AVAL CHCO Banks Regional median
Market cap 1.85b 1.98b 913.33m

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