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Grupo Aval Acciones y Valores S.A. (AVAL) vs Triumph Financial, Inc. (TFIN)

Grupo Aval Acciones y Valores S.A. and Triumph Financial, Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and Triumph Financial, Inc. are of similar size ($1.6B and $1.5B). Grupo Aval Acciones y Valores S.A. trades at the lower P/E: 10.5× against 31.6×. Triumph Financial, Inc. grew revenue faster over the last twelve months: 12.5% against 1.48%. Triumph Financial, Inc. has the higher net margin (8.39% vs 5.23%) and the higher return on invested capital (0.00% vs −0.19%). Across the 18 metrics below, Triumph Financial, Inc. leads on 11 and Grupo Aval Acciones y Valores S.A. on 7.

Valuation

Metric AVAL TFIN Banks Regional median
P/E 10.48 31.63 12.02
P/S 0.58 2.65 2.36
P/B 0.72 1.60 1.23
Price to free cash flow 2.24 8.95 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.55% 3.16% 8.21%
Free cash flow yield 44.66% 11.18% 9.23%

Profitability

Metric AVAL TFIN Banks Regional median
Gross margin 43.20% 83.95% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 8.39% 18.82%
Free cash flow margin 0.00% 29.64% 17.97%
Return on equity 0.00% 5.22% 10.28%
Return on assets 0.52% 0.67% 1.13%
Return on invested capital (0.19%) 0.00% 8.45%

Growth

Metric AVAL TFIN Banks Regional median
Revenue growth (TTM) 1.48% 12.47% 6.37%
EPS growth (last fiscal year) 71.43% 72.22% 18.85%
Revenue growth, 5-year CAGR (10.60%) 6.29% 12.65%
Net income growth, 5-year CAGR (13.35%) (18.69%) 9.81%

Health

Metric AVAL TFIN Banks Regional median
Debt to equity 0.56 0.04 0.17
Current ratio 0.88 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL TFIN Banks Regional median
Dividend yield 4.17% — 2.49%
Payout ratio 0.44 — 0.29

Size

Metric AVAL TFIN Banks Regional median
Market cap 1.58b 1.49b 934.85m

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