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Grupo Aval(AVAL)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL RECENCY
2-STAR RATING
WEAK BUY
BUY for 28 days
PROFIT SINCE LAST BUY
-4.87%
LAST CLOSE
$5.08
09/21/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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  • 1Y
  • 1M
  • 1W
  • BUY Advisory
  • SELL Advisory (Profit)
  • SELL Advisory (Loss)
  • Profit
  • Loss
  • PASS (Skip)
Upturn Stock price based on last close iconStock price based on last close

Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for AVAL

09/21/2026: AVAL (2-star) has a low Upturn Star Rating. Not recommended to BUY.

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.

Price Behavior

Strong Uptrend
PRICE PATH

Strong Uptrend

The stock has maintained a strong upward price trend across the last three quarters.

Moderately Choppy
PRICE STABILITY

Moderately Choppy

The stock has experienced noticeable price swings while retaining some directional structure.

Analysis of Past Performance

Type Stock
Historic Profit 69.21%
Avg. Invested days 50
Today’s Advisory WEAK BUY
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 3.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/21/2026

Upturn Scorecard

Upturn Star Rating

AVAL receives a 3-star rating, supported by solid quantitative characteristics. The rating is constrained by soft unit economics, soft analyst coverage, and weak price momentum.

Company Fundamentals

AVAL has moderate overall fundamentals (3 stars), with moderate financial health, solid growth momentum, and soft ownership. In FY2025 versus FY2024, strong earnings growth (+58.0%) and solid revenue growth (+14.5%) are partially offset by soft cash generation (FCF margin 3.4%), soft profitability (net margin 3.8%), very low insider ownership of 0.00%.

Financial Health Rating

AVAL's financial health is supported by strong cash strength, including free-cash-flow generation of $1452.2B (3.4% of revenue). Liquidity is moderate (3 stars), which helps explain the 3-star overall score.

Growth Momentum Score

Free-cash-flow growth is AVAL's strongest growth driver at +109.9% FY2025 versus FY2024 (strong, 5 stars). Revenue growth (+14.5%, solid) and earnings growth (+58.0%, strong) are also constructive, though not equally high across every growth measure.

Ownership

Institutional ownership is 1.2% and approximately 55.5% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership is only 0.00%, which materially reduces the ownership score.

Top 5 Institutional Investors

Truffle Hound Capital, LLC 0.08%
Renaissance Technologies Corp 0.08%
Appleseed Capital 0.04%
Banco BTG Pactual S.A. 0.02%
STOKES FAMILY OFFICE, LLC 0.02%

Unit Economics (Per $1K Revenue)

AVAL generates approximately $509 of gross profit, $91 of operating income, and $34 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 34.58%

Quantitative Style Profile

AVAL has a liquid, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedLow VolatilitySmall / Mid Cap RiskHighly Liquid / Institution-Friendly

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 6.02B USD
Price to earnings Ratio 10.14
1Y Target Price 5.1
Price to earnings Ratio 10.14
1Y Target Price 5.1
Volume (30-day avg) 140.2K shares
Beta 0.38
52 Weeks Range 3.10 - 6.15
Updated Date 09/20/2026
52 Weeks Range 3.10 - 6.15
Updated Date 09/20/2026
Dividends yield (FY) -
Basic EPS (TTM) 0.5

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

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Valuation

Trailing PE 10.14
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

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon 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)

Information icon 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)

Information icon 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 -
Full time employees -

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.