Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
AVAL 
Grupo Aval (AVAL)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/18/2025: AVAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.48% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/18/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.33B USD | Price to earnings Ratio 10.85 | 1Y Target Price 2.25 |
Price to earnings Ratio 10.85 | 1Y Target Price 2.25 | ||
Volume (30-day avg) 116598 | Beta 0.45 | 52 Weeks Range 1.87 - 3.27 | Updated Date 06/20/2025 |
52 Weeks Range 1.87 - 3.27 | Updated Date 06/20/2025 | ||
Dividends yield (FY) 4.46% | Basic EPS (TTM) 0.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.2% | Operating Margin (TTM) 34.22% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 7.91% |
Valuation
Trailing PE 10.85 | Forward PE - | Enterprise Value 45088256294912 | Price to Sales(TTM) - |
Enterprise Value 45088256294912 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 5.05 | Enterprise Value to EBITDA - | Shares Outstanding 377136000 | Shares Floating 2879371305 |
Shares Outstanding 377136000 | Shares Floating 2879371305 | ||
Percent Insiders - | Percent Institutions 1.07 |
Analyst Ratings
Rating 2 | Target Price 2.25 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Grupo Aval
Company Overview
History and Background
Grupo Aval Acciones y Valores S.A. was founded in 1994 as a holding company for various financial institutions in Colombia. It has grown through strategic acquisitions and organic expansion to become the largest financial conglomerate in Colombia and one of the largest in Latin America.
Core Business Areas
- Banking: The largest segment, providing retail and commercial banking services through its four main banks: Banco de Bogotu00e1, Banco de Occidente, Banco Popular, and AV Villas.
- Pension and Severance Fund Management: Administers pension and severance funds through Porvenir, the largest private pension fund manager in Colombia.
- Investment Banking: Offers investment banking services through Corficolombiana, focusing on infrastructure projects and corporate finance.
- Gas and Energy: Owns Promigas, which participates in the business of natural gas transportation and distribution and electric energy distribution.
Leadership and Structure
Luis Carlos Sarmiento Angulo is the chairman. The company operates under a holding company structure, with each business segment managed by its own executive team.
Top Products and Market Share
Key Offerings
- Personal Loans: Offers a range of personal loans with varied interest rates and terms. Banco de Bogota, its largest bank is one of the main competitors for this product in the Colombian market. Competitors include Bancolombia and Davivienda. Market share data specific to personal loans is unavailable but Aval is a market leader in overall lending in Colombia.
- Mortgages: Provides mortgage financing options. Market share data specific to mortgages is unavailable but Aval is a market leader in overall lending in Colombia. Competitors include Bancolombia and Davivienda.
- Pension Fund Management: Manages pension funds through Porvenir, the largest private pension fund manager in Colombia. Market share data specific to this is not available but Porvenir is a major player in Colombia's pension sector. Competitors include Colpensiones and Skandia.
Market Dynamics
Industry Overview
The financial services industry in Colombia is growing, driven by increasing financial inclusion, urbanization, and economic development. The pension fund industry is also significant due to Colombia's mandatory pension system.
Positioning
Grupo Aval is the largest financial conglomerate in Colombia with a strong market presence in banking, pension fund management, and investment banking. Its competitive advantages include its large customer base, extensive branch network, and diversified business model.
Total Addressable Market (TAM)
The TAM for financial services in Colombia is substantial, encompassing banking, investment banking, and pension management, estimated in billions of dollars. Aval is well-positioned to capture a large share of this market given its existing scale and market leadership.
Upturn SWOT Analysis
Strengths
- Dominant market share in Colombia
- Diversified business model
- Strong brand recognition
- Extensive branch network
Weaknesses
- Concentration of operations in Colombia
- Exposure to Colombian economic volatility
- Reputational risk associated with legal and regulatory challenges
- Operational inefficiencies
Opportunities
- Expansion into other Latin American markets
- Growth in digital banking and fintech
- Increased financial inclusion in Colombia
- Growing demand for infrastructure investment
Threats
- Increased competition from local and international players
- Changes in regulatory environment
- Economic slowdown in Colombia
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Bancolombia (CIB)
- Davivienda (No US listing)
- Banco Itau00fa Colombia (No US Listing)
Competitive Landscape
Grupo Aval benefits from its scale and established presence. However, Bancolombia and international banks offer robust competition, particularly in investment banking. Avalu2019s dependence on the Colombian economy is a potential disadvantage.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable and will be represented by placeholders
Future Projections: Future Projections data is unavailable and will be represented by placeholders
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of its infrastructure investment portfolio.
Summary
Grupo Aval is a major financial player in Colombia with a diversified business model and substantial market share. Its strength lies in its established position and extensive network. However, it faces challenges including economic volatility in Colombia and increasing competition. The company is actively pursuing growth opportunities in digital banking and infrastructure investment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Grupo Aval's Investor Relations Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and analyst estimates, which are subject to change. Market share data is approximate and may vary depending on the source. This analysis is for informational purposes only and does not constitute investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Grupo Aval
Exchange NYSE | Headquaters - | ||
IPO Launch date 2014-09-23 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.grupoaval.com |
Full time employees - | Website https://www.grupoaval.com | ||
Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. The company offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. It also provides commercial loans comprising general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans, such as payroll loans, personal loans, automobile and other vehicle loans, credit cards, overdrafts, leases, and general-purpose loans; and microcredit and mortgage loans. In addition, the company offers pension and severance fund management services; investment banking services, including services relating to capital markets, mergers and acquisitions, and delivering financial consulting services; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, and payment and collection services, as well as provides deposit and lending operations in foreign currencies. Further, it is involved in equity investments in various sectors, including infrastructure, energy and gas, agribusiness, and hospitality; and providing treasury operations. The company was incorporated in 1994 and is headquartered in Bogotá, Colombia.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.