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AVAL

Grupo Aval Acciones y Valores S.A.

AVAL

Grupo Aval Acciones y Valores S.A. • NYSE
$4.17 ▲ 0.52% (+0.02)
Market Cap $4.95 B
52w High $4.50
52w Low $1.97
Dividend Yield 0.13%
P/E 11.27
Volume 71.31K
Outstanding Shares 1.19B

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $9.395T ▲ $2.19T ▼ $521B ▲ 5.546% ▲ $416 $1.449T ▼
Q2-2025 $9.295T ▲ $2.213T ▲ $494.9B ▲ 5.324% ▲ $416 ▲ $1.468T ▲
Q1-2025 $9.023T ▲ $2.027T ▼ $361.5B ▲ 4.007% ▲ $304 ▲ $1.369T ▲
Q4-2024 $8.804T ▲ $2.318T ▼ $281.387B ▼ 3.196% ▼ $236 ▼ $791.05B ▲
Q3-2024 $4.13T $4.13T $415.7B 10.067% $350 $0

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $50.783T ▲ $343.841T ▲ $309.205T ▲ $18.411T ▲
Q2-2025 $49.38T ▲ $335.698T ▲ $302.048T ▲ $17.759T ▲
Q1-2025 $49.058T ▲ $329.85T ▲ $297.218T ▲ $17.173T ▼
Q4-2024 $44.002T ▼ $327.859T ▲ $294.696T ▲ $17.451T ▲
Q3-2024 $45.242T $320.616T $287.825T $17.387T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $521B ▲ $0 $0 $0 $0 $0
Q2-2025 $494.919B ▲ $0 $0 $0 $0 ▲ $0
Q1-2025 $361.5B ▲ $0 ▲ $0 ▲ $0 ▼ $-16.999T ▼ $0 ▲
Q4-2024 $281.352B ▼ $-2.992T ▼ $-2.803T ▼ $2.903T ▲ $-2.153T ▼ $-3.202T ▼
Q3-2024 $415.663B $850.16B $1.01T $-2.181T $-144.38B $718.819B

Five-Year Company Overview

Income Statement

Income Statement Revenue has been broadly flat in the most recent year and sits below the highs reached a few years ago, suggesting a more challenging growth environment. Operating profits remain meaningful but are well off their earlier peak, reflecting margin pressure, higher funding costs, or credit losses. Net income has been quite volatile: very strong in the early part of the decade, then dropping sharply, and only partly recovering in the latest year. Overall, the business is still profitable, but earnings quality looks less stable and more exposed to economic cycles and interest rate conditions than before.

Balance Sheet

Balance Sheet The balance sheet is large and complex, as expected for a regional banking group, with assets growing again in the latest year. Equity has inched up only modestly over time, which means leverage remains high, though this is typical for banks. Debt levels have declined from earlier peaks, which helps from a funding and risk perspective, but cash and equivalents have also come down from prior highs. In plain terms: Aval still has a sizeable, diversified asset base, but relies heavily on borrowed funds and must keep managing capital and liquidity carefully.

Cash Flow

Cash Flow Cash generation has been uneven. Operating cash flow has swung between positive and negative over the past few years, with a notable outflow in the latest year. Free cash flow shows a similar pattern, since capital spending has been relatively modest and stable. For a bank, these swings often reflect changes in loans and deposits rather than traditional “operational weakness,” but persistent outflows can increase reliance on external funding. The pattern points to a business that can produce cash in some years but is also sensitive to shifts in credit demand, funding costs, and balance sheet movements.

Competitive Edge

Competitive Edge Grupo Aval holds a strong position in Colombia and parts of Central America, built on its multi-bank structure, pension and investment businesses, and long operating history. Its wide customer base and physical network give it scale advantages that smaller rivals and pure fintechs struggle to match. Diversification across retail banking, corporate banking, pensions, and investment services helps spread risk across different income streams. However, this also exposes the group heavily to the health of local economies, regulatory changes, and competition from both traditional banks and nimble digital players.

Innovation and R&D

Innovation and R&D Aval is clearly leaning into digital and sustainability themes to refresh its model. The ‘dale!’ digital wallet and Banking-as-a-Service platform signal a push to stay relevant against fintechs and to embed its services into partners’ ecosystems. Open innovation programs and fintech challenges show a willingness to tap external talent rather than rely only on in-house development. The group is also investing in data, artificial intelligence, and cybersecurity, while building a portfolio of green and social finance products and bonds. Taken together, this points to a bank trying to evolve into a more digital, ecosystem-based, and sustainability-focused financial platform.

Summary

Grupo Aval today looks like a mature regional banking group navigating a tougher environment while trying to reinvent itself digitally. Financially, it is still profitable but with less predictable earnings and more pressure on margins than a few years ago. The balance sheet is large and leveraged, as is typical for banks, with some progress in reducing debt but a need for ongoing discipline around capital and liquidity. Cash flows are choppy, reflecting the realities of a lending-driven model rather than straightforward industrial cash generation. Strategically, the group’s scale, diversification, and strong local brands are key strengths, while its digital wallet, technology initiatives, and sustainable finance offerings show real effort to defend and extend its position. Looking ahead, performance will likely hinge on how well it balances growth with risk control, manages credit quality through economic cycles, and executes on its digital and sustainability ambitions in a competitive and heavily regulated landscape.