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Grupo Aval (AVAL)



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Upturn Advisory Summary
08/14/2025: AVAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $2.25
1 Year Target Price $2.25
0 | Strong Buy |
0 | Buy |
0 | Hold |
1 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Grupo Aval

Company Overview
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.
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 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
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
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
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.
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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