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Upturn AI SWOT - About
AVAL 
Grupo Aval (AVAL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
1 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $2.25
Year Target Price $2.25
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.87% | Avg. Invested days 34 | 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 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.40B USD | Price to earnings Ratio 10.81 | 1Y Target Price 2.25 |
Price to earnings Ratio 10.81 | 1Y Target Price 2.25 | ||
Volume (30-day avg) 1 | Beta 0.45 | 52 Weeks Range 1.84 - 3.26 | Updated Date 06/30/2025 |
52 Weeks Range 1.84 - 3.26 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.48% | 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 10.81 | Forward PE - | Enterprise Value 45088017219584 | Price to Sales(TTM) - |
Enterprise Value 45088017219584 | 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 1 | 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. It evolved from a financial group built by Luis Carlos Sarmiento Angulo, starting in the 1950s. Grupo Aval consolidates significant financial institutions in Colombia.
Core Business Areas
- Banking: Includes commercial banking operations through Banco de Bogotu00e1, Banco de Occidente, Banco Popular, and Banco AV Villas. These banks offer a range of services including deposit accounts, loans, and credit cards.
- Pension and Severance Funds Management: Operates through Porvenir, a leading private pension fund manager in Colombia. Porvenir manages pension and severance funds for individuals and companies.
- Investment Banking and Brokerage: Provides investment banking and brokerage services through Corficolombiana and other subsidiaries. Services include mergers and acquisitions, capital markets, and asset management.
- Gas and Infrastructure: Investment in gas and infrastructure projects and related financing activities. This includes energy, roads, and other key infrastructure.
Leadership and Structure
The company is led by Luis Carlos Sarmiento Angulo as Chairman. A board of directors oversees the company's strategy. The management team is structured around the key business areas.
Top Products and Market Share
Key Offerings
- Personal Loans: Offered through its banking subsidiaries. Market share varies by bank, but collectively represents a significant portion of the Colombian personal loan market. Competitors include Bancolombia and Davivienda. Data not publicly provided.
- Credit Cards: Offered through its banking subsidiaries. Competitive landscape includes other major Colombian banks. Market share varies by card brand and bank. Competitors include Bancolombia and Davivienda. Data not publicly provided.
- Pension Fund Management (Porvenir): Manages mandatory and voluntary pension funds. Porvenir is one of the largest private pension fund managers in Colombia. Main competitors are Colfondos, Protecciu00f3n and Skandia. Data not publicly provided.
- Investment Banking Services: Includes advisory services on mergers, acquisitions, and capital raising. Competitors include local and international investment banks.
Market Dynamics
Industry Overview
The Colombian financial services industry is competitive and regulated. It is influenced by macroeconomic factors, government policies, and international trends.
Positioning
Grupo Aval is one of the largest financial groups in Colombia, with a significant presence in banking, pension fund management, and investment banking. Its competitive advantage lies in its size, brand recognition, and diversified business model.
Total Addressable Market (TAM)
TAM for banking, pension and investment banking in Colombia is estimated at $80 billion. Grupo Aval is well-positioned to capitalize on a large market share through its portfolio of banks and financial services.
Upturn SWOT Analysis
Strengths
- Large market share in key financial sectors in Colombia
- Diversified business model
- Strong brand recognition and reputation
- Extensive branch network and customer base
Weaknesses
- Concentration of operations in Colombia
- Exposure to macroeconomic risks in Colombia
- Potential for regulatory changes impacting financial services
- Relatively high cost structure compared to some competitors
Opportunities
- Expansion into other Latin American markets
- Growth in digital banking and financial technology
- Increased demand for pension and investment products
- Infrastructure development projects
Threats
- Increased competition from local and international players
- Economic downturn in Colombia or globally
- Cybersecurity risks
- Political instability
Competitors and Market Share
Key Competitors
- Bancolombia (CIB)
- Davivienda (No US Symbol)
- Banco BTG Pactual Colombia (No US Symbol)
Competitive Landscape
Grupo Aval benefits from a strong presence in Colombia but faces intense competition from Bancolombia and other domestic and international banks. Its diversified business model provides some advantages.
Major Acquisitions
Banco Popular
- Year: 1996
- Acquisition Price (USD millions): 380
- Strategic Rationale: Expanded Grupo Aval's reach in the Colombian banking sector and increased its market share.
Growth Trajectory and Initiatives
Historical Growth: Grupo Aval has demonstrated steady growth driven by its strong position in the Colombian financial market. The growth also is through acquisitions.
Future Projections: Analyst estimates vary depending on macroeconomic conditions and company performance. Requires accessing recent analyst reports.
Recent Initiatives: Focus on digital banking initiatives and expanding its product offerings to attract new customers.
Summary
Grupo Aval is a major player in the Colombian financial market, with a diversified portfolio across banking, pensions, and investment services. While its strong domestic presence is a key strength, its exposure to the Colombian economy poses a risk. Recent initiatives in digital banking show promise, however it needs to compete with increased competition. The company needs to focus on improving cost management and diversifying its revenue streams.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Outlets
- Analyst Reports (requires subscription)
- SEC Filings (20-F)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance may change. Always conduct your own due diligence before making any investment decisions.
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.
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