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AVAL 
Grupo Aval (AVAL)
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Upturn Advisory Summary
11/05/2025: AVAL (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
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
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 64.79% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.00B USD | Price to earnings Ratio 12.38 | 1Y Target Price 2.25 |
Price to earnings Ratio 12.38 | 1Y Target Price 2.25 | ||
Volume (30-day avg) 1 | Beta 0.43 | 52 Weeks Range 1.87 - 4.35 | Updated Date 11/6/2025 |
52 Weeks Range 1.87 - 4.35 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 3.28% | Basic EPS (TTM) 0.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-11-12 | When - | Estimate 0.1057 | Actual - |
Profitability
Profit Margin 11.9% | Operating Margin (TTM) 39.46% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 9.04% |
Valuation
Trailing PE 12.38 | Forward PE - | Enterprise Value 43125787590656 | Price to Sales(TTM) - |
Enterprise Value 43125787590656 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 4.93 | Enterprise Value to EBITDA - | Shares Outstanding 1188172555 | Shares Floating 2967934469 |
Shares Outstanding 1188172555 | Shares Floating 2967934469 | ||
Percent Insiders - | Percent Institutions 1.07 |
Upturn AI SWOT
Grupo Aval
Company Overview
History and Background
Grupo Aval was founded in 1994 as a financial holding company in Colombia. It evolved from Luis Carlos Sarmiento Angulo's earlier financial ventures. Significant milestones include the acquisitions of several banks and pension funds, becoming one of the largest financial conglomerates in Colombia.
Core Business Areas
- Banking: Provides a wide range of banking services, including deposit accounts, loans, credit cards, and investment products to individuals and businesses.
- Pension and Severance Funds Management: Manages pension and severance funds for millions of Colombians.
- Investment Banking: Offers investment banking services such as underwriting, mergers and acquisitions advisory, and asset management.
- Real Estate and Construction: Engages in real estate development and construction projects.
- Energy and Gas: Investments in energy and gas sectors.
Leadership and Structure
Grupo Aval is led by the Sarmiento Angulo family. The organizational structure is a holding company model, with subsidiaries operating independently under the Grupo Aval umbrella.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Offers a range of checking and savings accounts for personal and business use. Market share data is not available in the US, but in Colombia, Grupo Aval has a significant share of the deposit market. Competitors include Bancolombia and Davivienda.
- Credit Cards: Provides credit cards with various rewards and benefits. Precise market share data is proprietary. Competitors include Bancolombia and Davivienda.
- Mortgages: Offers mortgage loans for home purchases. Market share information is limited and specific to Colombia. Competitors include Bancolombia and Davivienda.
- Pension Fund Management: Manages mandatory and voluntary pension funds. Market share is substantial within Colombia. Competitors include Porvenir (Protecciu00f3n), Colfondos, and Old Mutual.
Market Dynamics
Industry Overview
The financial services industry in Colombia is growing, driven by increasing financial inclusion and economic development. The pension fund industry is also expanding due to demographic changes.
Positioning
Grupo Aval is a leading financial conglomerate in Colombia, with a strong presence in banking and pension fund management. It benefits from its size, brand recognition, and diverse portfolio of businesses.
Total Addressable Market (TAM)
The TAM for financial services in Colombia is estimated to be in the tens of billions of US dollars annually. Grupo Aval is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Colombia
- Diversified business portfolio
- Extensive distribution network
- Experienced management team
- Leading position in key markets
Weaknesses
- Concentration of operations in Colombia
- Exposure to Colombian macroeconomic risks
- Relatively high operating expenses
- Reputational Risk
Opportunities
- Expanding into new markets in Latin America
- Developing new digital financial products
- Increasing financial inclusion in Colombia
- Growth in the Colombian economy
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Changes in government regulations
- Economic downturn in Colombia
- Political instability
- Currency fluctuations
Competitors and Market Share
Key Competitors
- Bancolombia (CIB)
- Davivienda (Not Listed)
- Banco de Bogotu00e1 (Not Listed)
Competitive Landscape
Grupo Aval's advantages include its size, brand recognition, and diverse business portfolio. Its disadvantages include its concentration of operations in Colombia and its exposure to Colombian macroeconomic risks.
Major Acquisitions
Banco Popular
- Year: 1996
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded Grupo Aval's banking operations and market share in Colombia.
Growth Trajectory and Initiatives
Historical Growth: Historically, Grupo Aval's growth has been driven by acquisitions and organic expansion within Colombia. However, it has struggled with increasing operational costs and exchange rate volatility.
Future Projections: Future growth projections are dependent on Colombia's economic performance, regulatory changes, and competitive landscape. Analyst estimates vary, but generally anticipate moderate growth.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets in Latin America, and cost-cutting measures.
Summary
Grupo Aval is a leading financial conglomerate in Colombia, with a strong presence in banking and pension fund management. While its diversified business portfolio and brand recognition are strengths, its concentration in Colombia and exposure to macroeconomic risks pose challenges. Future growth depends on its ability to expand into new markets and develop innovative financial products, while navigating regulatory changes and increased competition.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics are estimates and may vary. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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