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AVAL logo AVAL
Upturn stock ratingUpturn stock rating
AVAL logo

Grupo Aval (AVAL)

Upturn stock ratingUpturn stock rating
$3.18
Last Close (24-hour delay)
Profit since last BUY14.8%
upturn advisory
Consider higher Upturn Star rating
BUY since 65 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
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Upturn Advisory Summary

08/14/2025: AVAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $2.25

1 Year Target Price $2.25

Analysts Price Target For last 52 week
$2.25 Target price
52w Low $1.85
Current$3.18
52w High $3.24

Analysis of Past Performance

Type Stock
Historic Profit 20.54%
Avg. Invested days 35
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.63B USD
Price to earnings Ratio 12.23
1Y Target Price 2.25
Price to earnings Ratio 12.23
1Y Target Price 2.25
Volume (30-day avg) 1
Beta 0.48
52 Weeks Range 1.85 - 3.24
Updated Date 08/15/2025
52 Weeks Range 1.85 - 3.24
Updated Date 08/15/2025
Dividends yield (FY) 3.96%
Basic EPS (TTM) 0.26

Analyzing Revenue: Products, Geography and Growth

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date 2025-08-12
When -
Estimate 0.0974
Actual 0.1041

Profitability

Profit Margin 11.88%
Operating Margin (TTM) 35.19%

Management Effectiveness

Return on Assets (TTM) 0.91%
Return on Equity (TTM) 9.04%

Valuation

Trailing PE 12.23
Forward PE -
Enterprise Value 42652305195008
Price to Sales(TTM) -
Enterprise Value 42652305195008
Price to Sales(TTM) -
Enterprise Value to Revenue 5.1
Enterprise Value to EBITDA -
Shares Outstanding 377136000
Shares Floating 2879371305
Shares Outstanding 377136000
Shares Floating 2879371305
Percent Insiders -
Percent Institutions 1.1

ai summary icon Upturn AI SWOT

Grupo Aval

stock logo

Company Overview

overview logo History and Background

Grupo Aval was founded in 1954 in Colombia. Initially focused on real estate financing, it has grown into the largest financial conglomerate in Colombia, expanding into banking, pension and severance funds, investment banking, and the real sector. Significant milestones include acquisitions of major banks and expansion into Central America.

business area logo Core Business Areas

  • Banking: Provides a range of commercial and retail banking services, including deposit accounts, loans, credit cards, and wealth management.
  • Pension and Severance Funds: Manages pension and severance funds for individuals and corporations in Colombia.
  • Investment Banking: Offers investment banking services, including underwriting, mergers and acquisitions advisory, and asset management.
  • Real Estate: Engages in real estate development and investment activities.

leadership logo Leadership and Structure

Grupo Aval is led by the Sarmiento Angulo family. The organizational structure includes a board of directors, a CEO, and various business unit heads responsible for the different segments.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Banking: Provides loans and services to businesses. Has a leading market share in Colombia. Competitors include Bancolombia, Davivienda and foreign banks. Market share information below in Market Dynamics section
  • Consumer Lending: Offers personal loans, auto loans, and mortgages. Strong presence in the Colombian market. Competitors include Bancolombia, Davivienda and fintech companies. Market share information below in Market Dynamics section
  • Pension Funds: Administers pension funds for millions of Colombians. One of the largest pension fund administrators in the country. Competitors include Colfondos, Protecciu00f3n and Porvenir. Market share information below in Market Dynamics section

Market Dynamics

industry overview logo Industry Overview

The Colombian financial services industry is characterized by strong competition among a few large players and increasing activity from fintech companies. Economic growth and regulatory changes influence the industry's performance.

Positioning

Grupo Aval is the largest financial conglomerate in Colombia, holding a significant market share in banking and pension funds. Its competitive advantages include its brand recognition, extensive branch network, and diversified business model.

Total Addressable Market (TAM)

The TAM for financial services in Colombia is estimated at billions of USD annually. Grupo Aval is positioned to capture a significant portion of this market through its various business lines, leveraging its large customer base and strong brand presence. The pension market has also been valued in the billions of USD, a space Grupo Aval plays prominently.

Upturn SWOT Analysis

Strengths

  • Leading market position in Colombia
  • Diversified business model
  • Strong brand recognition
  • Extensive branch network

Weaknesses

  • Concentration in Colombian market
  • Exposure to macroeconomic risks in Colombia
  • Regulatory risks
  • Dependence on traditional banking channels

Opportunities

  • Expansion into other Latin American countries
  • Growth in digital banking
  • Increasing demand for financial services
  • Development of new financial products

Threats

  • Increased competition from fintech companies
  • Economic downturn in Colombia
  • Changes in regulatory environment
  • Political instability

Competitors and Market Share

competitor logo Key Competitors

  • Bancolombia (CIB)
  • Davivienda (No US Ticker)
  • Banco de Bogotu00e1 (No US Ticker)

Competitive Landscape

Grupo Aval has a leading market share but faces strong competition from other large Colombian banks. Fintech companies are also emerging as competitors. Grupo Aval's advantages include its size, brand recognition, and diversified business model. Disadvantages include its concentration in the Colombian market and exposure to macroeconomic risks.

Major Acquisitions

Banco Popular

  • Year: 2012
  • Acquisition Price (USD millions): 762
  • Strategic Rationale: Expanded Grupo Aval's presence in the Colombian banking sector and strengthened its position as the leading financial conglomerate.

Growth Trajectory and Initiatives

Historical Growth: Grupo Aval's growth has been driven by organic expansion and acquisitions. Historical growth rates would vary depending on the specific business segment.

Future Projections: Future growth projections would depend on various factors, including economic conditions, regulatory changes, and competitive dynamics. Analyst estimates would provide insights into expected growth rates. Please refer to financial news outlets for such estimates.

Recent Initiatives: Recent initiatives could include investments in digital banking, expansion into new markets, and development of new financial products. Please refer to Grupo Aval's investor relations website or financial news outlets for specific updates.

Summary

Grupo Aval is a strong financial conglomerate in Colombia with a leading market position. Its diversified business model and brand recognition are working well. However, it faces challenges from increased competition from fintech companies and exposure to macroeconomic risks in Colombia. Expanding into new markets and growing its digital presence will be key for its future growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Grupo Aval Investor Relations
  • Financial News Outlets
  • Market Research Reports

Disclaimers:

The data and analysis provided are for informational purposes only and should not be considered financial advice. Market data is subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 -
Full time employees -

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.