Grupo Aval Acciones y Valores S.A. (AVAL) vs German American Bancorp, Inc. (GABC)

Grupo Aval Acciones y Valores S.A. and German American Bancorp, Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and German American Bancorp, Inc. are of similar size ($1.9B and $1.9B). Grupo Aval Acciones y Valores S.A. trades at the lower P/E: 12.4× against 13.1×. German American Bancorp, Inc. grew revenue faster over the last twelve months: 21.7% against 1.48%. German American Bancorp, Inc. has the higher net margin (28.2% vs 5.23%) and the higher return on invested capital (8.62% vs −0.19%). Both pay a dividend; Grupo Aval Acciones y Valores S.A. yields more (6.78% vs 3.40%). Across the 20 metrics below, Grupo Aval Acciones y Valores S.A. leads on 10 and German American Bancorp, Inc. on 10.

Valuation

Metric AVAL GABC Banks Regional median
P/E 12.40 13.06 12.15
P/S 0.69 3.70 2.37
P/B 0.85 1.53 1.21
Price to free cash flow 2.65 10.17 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.58 3.84 2.27
Earnings yield 8.06% 7.66% 8.11%
Free cash flow yield 37.73% 9.83% 8.98%

Profitability

Metric AVAL GABC Banks Regional median
Gross margin 43.20% 76.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 28.24% 18.66%
Free cash flow margin 0.00% 36.33% 21.18%
Return on equity 0.00% 12.46% 10.64%
Return on assets 0.52% 1.70% 1.13%
Return on invested capital (0.19%) 8.62% 8.33%

Growth

Metric AVAL GABC Banks Regional median
Revenue growth (TTM) 1.48% 21.70% 6.61%
EPS growth (last fiscal year) 71.43% 8.13% —
Revenue growth, 5-year CAGR (10.60%) 16.32% 12.30%
Net income growth, 5-year CAGR (13.35%) 12.61% 9.71%

Health

Metric AVAL GABC Banks Regional median
Debt to equity 0.56 0.14 0.22
Current ratio 0.88 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL GABC Banks Regional median
Dividend yield 6.78% 3.40% 3.75%
Payout ratio 0.30 0.31 0.27

Size

Metric AVAL GABC Banks Regional median
Market cap 1.85b 1.85b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack