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Upturn AI Summary - About
Grupo Aval(AVAL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AVAL
10/02/2026: AVAL (2-star) is currently NOT-A-BUY. Pass it for now.
Grupo Aval is a major Colombian financial conglomerate operating as a holding company for banks, pension funds, and insurance providers. Its primary strength lies in its extensive market share and a deep-rooted physical footprint that historically drives high customer engagement. The company's main growth story currently revolves around its transition toward digital platforms like dale! to remain competitive against modern fintech rivals. However, investors face risks from high Colombian economic concentration, currency volatility, and evolving regulatory environments. The stock may suit value-oriented and income-focused investors who can tolerate emerging market volatility, though monitoring the progress of its digital transformation is key to long-term performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is limited by the mature nature of the Colombian banking market. |
| Momentum investor | Weak fit | The stock often lacks the strong short-term technical uptrend required for momentum strategies. |
| Value investor | Strong fit | Often trades at attractive valuations relative to book value. |
| Dividend investor | Strong fit | Provides consistent income potential through dividend distributions. |
| Low-risk investor | Weak fit | High sensitivity to emerging market and currency risks makes it unsuitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | ADR pricing is sensitive to the exchange rate between the Colombian Peso and the USD. |
| Valuation risk | Medium | Market perception of Colombian political risk can cause significant valuation swings. |
| Competition risk (Fintech) | Medium / high | New digital competitors are aggressively capturing market share in payments and retail banking. |
| Business quality | Medium | The business operates a strong banking franchise but is tied to a single-country economic cycle. |
| Dividend income | Medium | Payouts can fluctuate significantly based on regulatory capital requirements and profitability. |
| Execution risk | Medium | Success depends on the ability to modernize systems without disrupting core operations. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 68.59% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.63B USD | Price to earnings Ratio 10.09 | 1Y Target Price 5.1 |
Price to earnings Ratio 10.09 | 1Y Target Price 5.1 | ||
Volume (30-day avg) 124.4K shares | Beta 0.38 | 52 Weeks Range 3.26 - 6.12 | Updated Date 10/02/2026 |
52 Weeks Range 3.26 - 6.12 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking Operations | Interest income from commercial and consumer loans. | The bank makes money by lending out deposits at higher rates than it pays to depositors. |
| Pension Management | Fees generated from managing mandatory and voluntary savings through Porvenir. | Stable, recurring fee revenue based on assets under management. |
| Geography (Colombia) | Core operations concentrated in the Colombian economy. | Investor success is tied directly to the health of the Colombian macroeconomic environment. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 10.09 | Forward PE - | Enterprise Value 48.18T | Price to Sales(TTM) 1.06 |
Enterprise Value 48.18T | Price to Sales(TTM) 1.06 | ||
Enterprise Value to Revenue 4.87 | Enterprise Value to EBITDA - | Shares Outstanding 378.29M | Shares Floating 210.14M |
Shares Outstanding 378.29M | Shares Floating 210.14M | ||
Percent Insiders - | Percent Institutions 1.25 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Grupo Aval
Exchange NYSE | Headquarters - | ||
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 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 hotels; and providing treasury operations. The company was incorporated in 1994 and is headquartered in Bogotá, Colombia.
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