Grupo Aval Acciones y Valores S.A. (AVAL) vs Republic Bancorp, Inc. (RBCAA)

Grupo Aval Acciones y Valores S.A. and Republic Bancorp, Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and Republic Bancorp, 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 13.9×. Grupo Aval Acciones y Valores S.A. grew revenue faster over the last twelve months: 1.48% against −2.72%. Republic Bancorp, Inc. has the higher net margin (25.4% vs 5.23%) and the higher return on invested capital (10.6% vs −0.19%). Both pay a dividend; Grupo Aval Acciones y Valores S.A. yields more (4.17% vs 2.11%). Across the 19 metrics below, Republic Bancorp, Inc. leads on 10 and Grupo Aval Acciones y Valores S.A. on 9.

Valuation

Metric AVAL RBCAA Banks Regional median
P/E 10.48 13.93 12.02
P/S 0.58 3.61 2.36
P/B 0.72 1.57 1.23
Price to free cash flow 2.24 13.35 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.55% 7.18% 8.21%
Free cash flow yield 44.66% 7.49% 9.23%

Profitability

Metric AVAL RBCAA Banks Regional median
Gross margin 43.20% 81.19% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 25.38% 18.82%
Free cash flow margin 0.00% 27.05% 17.97%
Return on equity 0.00% 11.55% 10.28%
Return on assets 0.52% 1.82% 1.13%
Return on invested capital (0.19%) 10.63% 8.45%

Growth

Metric AVAL RBCAA Banks Regional median
Revenue growth (TTM) 1.48% (2.72%) 6.37%
EPS growth (last fiscal year) 71.43% 28.98% 18.85%
Revenue growth, 5-year CAGR (10.60%) 8.97% 12.65%
Net income growth, 5-year CAGR (13.35%) 9.54% 9.81%

Health

Metric AVAL RBCAA Banks Regional median
Debt to equity 0.56 0.14 0.17
Current ratio 0.88 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL RBCAA Banks Regional median
Dividend yield 4.17% 2.11% 2.49%
Payout ratio 0.44 0.30 0.29

Size

Metric AVAL RBCAA Banks Regional median
Market cap 1.58b 1.59b 934.85m

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