AVAL
Financial ServicesGrupo Aval Acciones y Valores S.A. · Banks - Regional · $5B
What is Grupo Aval Acciones y Valores S.A.?
Grupo Aval Acciones y Valores S.A. is one of Colombia's largest financial conglomerates, serving both public and private sector customers across Colombia and Central America through a broad network of banking and financial subsidiaries.
Grupo Aval generates revenue through its banking subsidiaries by offering deposit products, commercial and consumer lending, mortgage financing, and pension fund management. The group also participates in investment banking, insurance distribution, and equity investments across infrastructure, energy, agribusiness, and hospitality sectors — giving it a broader footprint than a typical retail bank.
Incorporated in 1994 and headquartered in Bogotá, Colombia, Grupo Aval has grown into a diversified regional financial group.
- Commercial and consumer lending (including payroll, auto, and credit card products)
- Pension and severance fund management
- Investment banking and capital markets services
- Mobile and online banking, plus payment and collection services
Is AVAL a Good Stock to Buy?
UQS Score rates AVAL as Below Average overall, reflecting meaningful headwinds across several key quality dimensions.
Among the brighter spots in AVAL's profile, Valuation comes in at a Good rating, suggesting the market may already be pricing in many of the company's challenges. The Quality and Growth pillars both land at Neutral, indicating neither a clear deterioration nor a standout performance relative to peers.
The Moat and Risk pillars are both rated Weak, pointing to limited competitive differentiation and above-average exposure to macro and credit risks in its operating markets.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does AVAL pay dividends?
Yes — Grupo Aval Acciones y Valores S.A. pays a dividend.
Grupo Aval pays a regular dividend, consistent with its identity as a large, established financial group. Income-oriented investors often look to regional bank holding companies like AVAL for yield. The dividend reflects the group's cash generation across its banking subsidiaries, though investors should weigh the Weak Risk pillar when assessing payout sustainability.
When does AVAL report earnings?
Grupo Aval reports earnings on a quarterly cadence, typical for exchange-listed financial holding companies.
As a diversified financial group operating across Colombia and Central America, AVAL's results are influenced by regional credit conditions, interest rate cycles, and currency dynamics. Performance across its banking and non-banking subsidiaries can vary meaningfully quarter to quarter.
For the most recent quarter's results, visit Grupo Aval's investor relations page directly.
AVAL Price History
+51.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Grupo Aval Acciones y Valores S.A.?
Based on Grupo Aval Acciones y Valores S.A.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
AVAL Long-term Outlook
With Growth and Quality both rated Neutral, AVAL's near-term trajectory appears stable but uninspiring relative to higher-rated peers. The Weak Risk pillar signals that macroeconomic volatility in Colombia and Central America — including currency fluctuation and credit cycle exposure — could weigh on results. The Good Valuation rating suggests limited downside from current pricing, but a re-rating upward would likely require improvement in moat or risk metrics.
Growth drivers
- Expansion of digital and mobile banking services across its regional footprint
- Diversified revenue from pension management, investment banking, and equity investments
- Potential recovery in regional credit demand as interest rate cycles normalize
Key risks
- Weak competitive moat in a fragmented regional banking market
- Macro and currency risks tied to Colombia and Central American economies
- Credit quality pressures if regional economic conditions deteriorate
AVAL vs Peers
While AVAL operates primarily in Latin America, it is often benchmarked against mid-sized North American regional banks in terms of market positioning and financial structure.
A US Gulf Coast regional bank with a more concentrated domestic footprint and different regulatory environment compared to AVAL's multi-country Latin American operations.
A Southeast US community bank focused on organic growth and mortgage banking, operating in a more stable regulatory and currency environment than AVAL.
A Mid-Atlantic regional bank with a straightforward deposit-and-lending model, contrasting with AVAL's broader conglomerate structure spanning banking, pensions, and infrastructure equity.
Frequently Asked Questions
What does Grupo Aval do?
Grupo Aval is a Colombian financial conglomerate that operates banking, pension management, investment banking, and insurance businesses across Colombia and Central America. It serves both retail and corporate customers through a network of subsidiaries, and also holds equity investments in infrastructure, energy, and agribusiness.
Does AVAL pay dividends?
Yes, Grupo Aval pays a regular dividend. As a large, established financial holding company, it has historically returned capital to shareholders through dividends. Investors should review the company's investor relations page for the current dividend schedule and payout details.
When does AVAL report earnings?
Grupo Aval reports on a quarterly cadence. Exact dates vary each quarter and are announced in advance by the company. For upcoming earnings dates, check Grupo Aval's investor relations page or your brokerage platform.
Is AVAL a good stock to buy?
UQS Score rates AVAL as Below Average, driven by Weak scores in Moat and Risk. The Valuation pillar is rated Good, which may appeal to value-oriented investors. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is AVAL overvalued?
The UQS Valuation pillar for AVAL is rated Good, suggesting the stock is not considered expensive relative to its fundamentals at current levels. This is one of the stronger aspects of AVAL's overall profile, though it should be weighed against the Weak Risk and Moat ratings.
How does AVAL compare to its competitors?
Compared to mid-sized North American regional banks like Hancock Whitney, Ameris Bancorp, and Atlantic Union Bankshares, AVAL offers broader geographic and business diversification but carries higher macro and currency risk. Its conglomerate structure — spanning banking, pensions, and equity investments — sets it apart from more focused US peers.
What is AVAL's market cap bracket?
Grupo Aval is classified as a mid-cap company. This places it in a tier where liquidity is generally adequate for most retail investors, though it may receive less analyst coverage than large-cap financial institutions.
Who founded Grupo Aval?
Grupo Aval was incorporated in 1994. The group is closely associated with Colombian businessman Luis Carlos Sarmiento Angulo, who built it into one of the largest financial conglomerates in Latin America. For detailed founding history, the company's official website and public filings are the most reliable sources.
Is AVAL a long-term quality investment?
As a long-term quality indicator, AVAL's Below Average UQS Score — with Weak Moat and Risk ratings — suggests caution. Long-term quality investing typically favors companies with durable competitive advantages and lower risk profiles. AVAL's Neutral Quality and Growth ratings indicate stability without a clear upward catalyst at this time.
What sector does AVAL belong to?
Grupo Aval operates in the Financial Services sector, specifically as a diversified banking and financial holding company. It spans commercial banking, consumer lending, pension fund management, and investment banking across Colombia and Central America.
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Pro Analysis
AVAL — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 40.6 | 48.9 | 27.0 | 51.0 | 0.0 | 76.2 | +0.1 |
| May 21, 2026 | 40.5 | 48.9 | 27.0 | 51.0 | 0.0 | 75.6 | -0.3 |
| May 20, 2026 | 40.8 | 48.9 | 27.0 | 51.0 | 0.0 | 77.2 | +0.1 |
| May 19, 2026 | 40.7 | 48.9 | 27.0 | 51.0 | 0.0 | 76.7 | +0.1 |
| May 17, 2026 | 40.6 | 48.9 | 27.0 | 51.0 | 0.0 | 76.2 | -0.2 |
| May 16, 2026 | 40.8 | 48.9 | 27.0 | 51.0 | 0.0 | 77.4 | +0.2 |
| May 14, 2026 | 40.6 | 48.9 | 27.0 | 51.0 | 0.0 | 76.2 | +0.2 |
| May 11, 2026 | 40.4 | 48.7 | 27.0 | 51.0 | 0.0 | 75.1 | 0.0 |
| May 8, 2026 | 40.4 | 48.9 | 27.0 | 51.0 | 0.0 | 75.0 | -0.1 |
| May 6, 2026 | 40.5 | 48.9 | 27.0 | 51.0 | 0.0 | 75.5 | -0.1 |
AVAL — Pillar Breakdown
Quality
— 48.9/100 (25%)Grupo Aval Acciones y Valores S.A. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 51.0/100 (20%)Grupo Aval Acciones y Valores S.A. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 0.0/100 (15%)Grupo Aval Acciones y Valores S.A. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 80.4/100 (15%)Grupo Aval Acciones y Valores S.A. appears attractively valued relative to its earnings, cash flows, and sector peers.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Grupo Aval Acciones y Valores S.A. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AVAL.
Score Composition
Financial Data
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How is the AVAL UQS Score Calculated?
The UQS (Unified Quality Score) for Grupo Aval Acciones y Valores S.A. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Grupo Aval Acciones y Valores S.A.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Grupo Aval Acciones y Valores S.A. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.