Valuation dashboard for Grupo Aval Acciones y Valores S.A. (AVAL) with P/E 9.63, P/B 0.92, EV/EBITDA 11.7 and dividend yield 3.92%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Grupo Aval Acciones y Valores SA engages in the provision of financial services and products. It operates through the following segments: Banking Services, Merchant Banking, Pension and Severance Fund Management, and Holding. The Banking Services segment focuses on banking services, fund management and trust businesses, storage companies, and entities that manage low-value payment systems.
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 9.9 % (1.3×) $6 (+41 %); at its peers' median (1.4×) $7 (+51 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Grupo Aval Acciones y Valores S.A. reported revenue of 42.33T COP in the most recent fiscal year, growing at a 5-year CAGR of 30.5%. Net income reached 1.60T COP, with a -7.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 45.1%, operating margin 11.8%, net margin 4.1%.
At $4.34 (closing price, November 2, 2026), AVAL trades at a P/E of 9.63 and an ROE of 9.54%. Market capitalisation stands at $5.2B.
Balance sheet quality for AVAL: debt-to-equity ratio of 3.79, current ratio of 0.00 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 9.63 |
| Price / Book | 0.92 |
| EV / EBITDA | 11.7 |
| Dividend Yield | 3.92% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| AVAL | Grupo Aval Acciones y Valores S.A. | $5.2B | 9.63 | 0.92 | 9.5% |
| UBSI | United Bankshares, Inc. | $6.7B | 13.40 | 1.24 | 9.4% |
| HWC | Hancock Whitney Corporation | $5.9B | 14.75 | 1.40 | 9.3% |
| OZK | Bank OZK | $5.7B | 8.72 | 0.95 | 10.9% |
| FNB | F.N.B. Corporation | $6.5B | 10.85 | 0.96 | 8.9% |
| GBCI | Glacier Bancorp, Inc. | $6.5B | 18.71 | 1.50 | 8.1% |
| ABCB | Ameris Bancorp | $5.6B | 14.71 | 1.36 | 9.4% |
| HOMB | Home Bancshares, Inc. | $6.1B | 12.42 | 1.32 | 11.0% |
Price
| Price | $4.34 (closing price, November 2, 2026) |
| Market Cap | $5.2B |
| Exchange | NYSE |
| Country | CO |
Profitability
| Return on Equity | 9.54% |
| Return on Invested Capital | 0.95% |
| Return on Assets | 0.51% |
| Gross Margin | 45.11% |
| Operating Margin | 11.82% |
| Net Margin | 4.10% |
Related companies: UBSI · HWC · OZK · FNB · GBCI · ABCB · HOMB · IFS
Explore sector: Financial Services · Banks - Regional
More sections of AVAL: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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