Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
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
11/02/2026: AVAL (2-star) is currently NOT-A-BUY. Pass it for now.
Grupo Aval is a prominent Colombian financial holding company that operates a vast network of banks and non-banking financial services across Colombia and Central America. The company has a leading position in the local market, supported by strong brand recognition and a diversified revenue model. Its primary investment story centers on capturing growth through financial inclusion and the digital modernization of its banking services. However, investors must weigh these opportunities against significant risks, including regional economic volatility, currency fluctuations, and intense competition from digital-first entrants. The stock may suit value-oriented investors seeking regional banking exposure and potential dividend income, provided they monitor macroeconomic and regulatory developments closely.
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 largely tied to regional macroeconomic cycles rather than disruptive innovation. |
| Momentum investor | Weak fit | The stock often lacks sustained momentum due to regional currency and political volatility. |
| Value investor | Strong fit | Historically trades at low valuation multiples which may appeal to value-oriented investors. |
| Dividend investor | Strong fit | Provides income potential, although dividends are subject to foreign exchange fluctuations. |
| Low-risk investor | Weak fit | Exposure to emerging market risks and currency volatility makes this a higher-risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to swings in emerging market sentiment and regional currency fluctuations. |
| Valuation risk | Low | Currently trades at multiples that generally reflect its growth and risk profile. |
| Competition risk (Banking) | Medium / high | Intense competition from established banks and digital disruptors pressures margins. |
| Business quality | Medium | Strong franchise and scale, but operational complexity remains high. |
| Dividend income | Medium | Dividends are reliable but tied to regional economic performance. |
| Execution risk | Medium | Successfully integrating and modernizing a large, decentralized bank network is complex. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 71.71% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/02/2026 |
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 5.26B USD | Price to earnings Ratio 11.66 | 1Y Target Price 5.1 |
Price to earnings Ratio 11.66 | 1Y Target Price 5.1 | ||
Volume (30-day avg) 164.1K shares | Beta 0.39 | 52 Weeks Range 3.27 - 6.10 | Updated Date 11/01/2026 |
52 Weeks Range 3.27 - 6.10 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking | Interest income from loans and consumer finance products. | The bank makes money by lending money to people and businesses at higher rates than it pays for deposits. |
| Fee-based Services | Asset management, trust services, and transactional fees. | Steady income earned from managing investments and processing payments. |
| Geography: Colombia | Primary operations and majority of loan book. | Performance is tied to the Colombian economy and central bank interest rates. |
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 11.66 | Forward PE - | Enterprise Value 48.18T | Price to Sales(TTM) 0.93 |
Enterprise Value 48.18T | Price to Sales(TTM) 0.93 | ||
Enterprise Value to Revenue 4.77 | Enterprise Value to EBITDA - | Shares Outstanding 378.29M | Shares Floating 210.14M |
Shares Outstanding 378.29M | Shares Floating 210.14M | ||
Percent Insiders 0.11 | Percent Institutions 1.3 |
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.