Pricing Log in Create free account

Grupo Aval Acciones y Valores S.A. (AVAL) vs Live Oak Bancshares, Inc. (LOB)

Grupo Aval Acciones y Valores S.A. and Live Oak Bancshares, Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and Live Oak Bancshares, Inc. are of similar size ($1.6B and $1.6B). Grupo Aval Acciones y Valores S.A. trades at the lower P/E: 10.5× against 11.7×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 14.6% against 1.48%. Live Oak Bancshares, Inc. has the higher net margin (11.7% vs 5.23%) and the higher return on invested capital (54.1% vs −0.19%). Both pay a dividend; Grupo Aval Acciones y Valores S.A. yields more (4.17% vs 0.35%). Across the 19 metrics below, Live Oak Bancshares, Inc. leads on 11 and Grupo Aval Acciones y Valores S.A. on 8.

Valuation

Metric AVAL LOB Banks Regional median
P/E 10.48 11.71 12.02
P/S 0.58 1.39 2.36
P/B 0.72 1.29 1.23
Price to free cash flow 2.24 5.05 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.55% 8.54% 8.21%
Free cash flow yield 44.66% 19.80% 9.23%

Profitability

Metric AVAL LOB Banks Regional median
Gross margin 43.20% 57.84% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 11.66% 18.82%
Free cash flow margin 0.00% 27.59% 17.97%
Return on equity 0.00% 11.28% 10.28%
Return on assets 0.52% 0.83% 1.13%
Return on invested capital (0.19%) 54.08% 8.45%

Growth

Metric AVAL LOB Banks Regional median
Revenue growth (TTM) 1.48% 14.63% 6.37%
EPS growth (last fiscal year) 71.43% 31.95% 18.85%
Revenue growth, 5-year CAGR (10.60%) 22.62% 12.65%
Net income growth, 5-year CAGR (13.35%) 11.55% 9.81%

Health

Metric AVAL LOB Banks Regional median
Debt to equity 0.56 0.00 0.17
Current ratio 0.88 0.95 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL LOB Banks Regional median
Dividend yield 4.17% 0.35% 2.49%
Payout ratio 0.44 0.04 0.29

Size

Metric AVAL LOB Banks Regional median
Market cap 1.58b 1.57b 934.85m

Compare with another peer

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