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Grupo Aval Acciones y Valores S.A. (AVAL) vs The Bancorp, Inc. (TBBK)

Grupo Aval Acciones y Valores S.A. and The Bancorp, Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and The Bancorp, Inc. are of similar size ($2.0B and $1.9B). The Bancorp, Inc. trades at the lower P/E: 9.2× against 12.2×. Grupo Aval Acciones y Valores S.A. grew revenue faster over the last twelve months: 1.48% against 1.28%. The Bancorp, Inc. has the higher net margin (27.7% vs 5.23%) and the higher return on invested capital (22.9% vs −0.19%). Across the 18 metrics below, The Bancorp, Inc. leads on 12 and Grupo Aval Acciones y Valores S.A. on 6.

Valuation

Metric AVAL TBBK Banks Regional median
P/E 12.20 9.20 11.98
P/S 0.68 2.46 2.34
P/B 0.83 2.92 1.19
Price to free cash flow 2.61 8.85 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.20% 10.87% 8.23%
Free cash flow yield 38.34% 11.30% 9.08%

Profitability

Metric AVAL TBBK Banks Regional median
Gross margin 43.20% 80.32% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 27.72% 18.66%
Free cash flow margin 0.00% 27.78% 21.11%
Return on equity 0.00% 29.63% 10.65%
Return on assets 0.52% 2.57% 1.13%
Return on invested capital (0.19%) 22.91% 8.35%

Growth

Metric AVAL TBBK Banks Regional median
Revenue growth (TTM) 1.48% 1.28% 6.98%
EPS growth (last fiscal year) 71.43% 14.69% 18.88%
Revenue growth, 5-year CAGR (10.60%) 24.39% 12.38%
Net income growth, 5-year CAGR (13.35%) 23.30% 9.71%

Health

Metric AVAL TBBK Banks Regional median
Debt to equity 0.56 0.30 0.22
Current ratio 0.88 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL TBBK Banks Regional median
Dividend yield 5.18% — 2.57%
Payout ratio 0.63 — 0.30

Size

Metric AVAL TBBK Banks Regional median
Market cap 1.85b 2.00b 913.33m

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