Grupo Aval Acciones y Valores S.A. (AVAL), Discounted Cash Flow Valuation

Grupo Aval Acciones y Valores S.A. (AVAL) Company Profile

CO | Financial Services | Banks - Regional | NYSE
2.65 -0.01 (-0.38%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
3B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
12.75T
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
1.02T
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
23.74B
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
1.46M
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
10.45
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
6.86%
Exchange Name of stock exchange where the trading item trades.
NYSE
Avg Volume The average number of shares traded each day over the past 30 days.
165.62K
Open The opening trade price over the trading day.
2.68
Previous Close The last closing price.
2.66
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.34
1 day delta The range between the high and low prices over the past day.
2.65-2.71
52 weeks The range between the high and low prices over the past 52 weeks.
1.94-3.32

Total Valuation

Grupo Aval Acciones y Valores S.A. has a market cap or net worth of 12.93T. The enterprise value is 48.78T.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
12.93T
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
48.78T

Valuation Ratios

The trailing PE ratio is 13.36. Grupo Aval Acciones y Valores S.A.'s PEG ratio is 23.3K.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
13.36
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
1.01
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
0.78
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
-1.13
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
23.3K

Enterprise Valuation

The stock's EV/EBITDA ratio is 0, with a EV/FCF ratio of -4.26.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
3.83
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
0
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
-4.6
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
-4.26

Financial Efficiency

Return on equity (ROE) is 5.97% and return on invested capital (ROIC) is 0.81%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
5.97%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
0.31%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
0.81%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.04
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 118.27%, with operating and profit margins of 29.87% and 7.96%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
118.27%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
29.87%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
24.62%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
7.96%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
0.00%

Income Statement

In the last 12 months, Grupo Aval Acciones y Valores S.A. had revenue of 12.75T and earned 1.02T in profits. Earnings per share (EPS) was 1.46M.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
12.75T
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
15.07T
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
3.81T
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
3.14T
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
1.02T
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
0
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
-525.2B
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
1.46M

Financial Position

The company has a trailing 12 months (ttm) current ratio of 5.51, with a ttm Debt / Equity ratio of 2.47.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
5.51
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
5.51
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
2.47
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
0.82

Dividends & Yields

This stock pays an annual dividend of 0.12, which amounts to a dividend yield of 0.00%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
0.12
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
0.00%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
7.48%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
-88.58%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
-96.76%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
71.74%

Balance Sheet

The company has 7.28T in cash and 43.13T in debt, giving a net cash position of -35.85T.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
7.28T
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
43.13T
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-35.85T
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
17.45T
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
1.4K
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
5.96T

Cash Flow

In the last 12 months, operating cash flow of the company was -10.61T and capital expenditures -662.67B, giving a free cash flow of -11.45T.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
-10.61T
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-662.67B
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
-11.45T
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
-482.44

Grupo Aval Acciones y Valores S.A. News

Mar 4, 2025 - seekingalpha.com
Grupo Aval's Q4: Valuation Expanded Significantly (Rating Downgrade)
AVAL's stock valuation has expanded due to a rising share price and decreasing book value post-Q4 earnings. The current price-to-book value of 0.86x aligns with the five-year historical average, but its low ROAE of 6% does not justify it. The company's outlook remains attractive due to expected economic growth and lower inflation in 2025, which could increase loan originations....[read more]
Feb 21, 2025 - seekingalpha.com
Grupo Aval Acciones y Valores S.A. (AVAL) Q4 2024 Earnings Call Transcript
Grupo Aval Acciones y Valores S.A. (NYSE:AVAL ) Q4 2024 Earnings Conference Call February 19, 2025 9:00 AM ET Company Participants Maria Lorena Gutierrez Botero - Chief Executive Officer Paula Duran - Corporate Vice President of Sustainability and Strategic Projects Camilo Perez Alvarez - Banco de Bogota's Chief Economist Diego Fernando Solano Saravia - Chief Financial Officer Conference Call Participants Brian Flores - Citigroup Nicolas Riva - BofA Securities Carlos Gomez-Lopez - HSBC Daniel Mo...[read more]
Dec 24, 2024 - seekingalpha.com
Grupo Aval: Improving Financials With The Stock Price Not Reacting
Grupo Aval's net income growth is driven by a lower-risk environment due to lower provisions that affected the company in 2023. Fiscal imbalances in LATAM could weigh on AVAL's stock price, but fundamental improvements present near-term opportunities. Despite historical stock declines and trading below book value, Aval shows strong financial recovery and cyclical opportunities, making it a buy....[read more]
Nov 14, 2024 - seekingalpha.com
Grupo Aval Acciones y Valores SA (AVAL) Q3 2024 Earnings Conference Call Transcript
Grupo Aval Acciones y Valores SA (NYSE:AVAL ) Q3 2024 Earnings Conference Call November 14, 2024 9:00 AM ET Company Participants Maria Gutierrez Botero - CEO Paula Duran - Corporate VP of Sustainability and Strategic Projects Camilo Perez - Banco de Bogota's Chief Economist Diego Solano - CFO Conference Call Participants Brian Flores - Citi Daniel Mora - Credicorp Capital Marlon Medina - J.P. Morgan Julian Ausique - Davivienda Operator Welcome to Grupo Aval's Third Quarter 2024 Consolidated Resu...[read more]
Nov 14, 2024 - zacks.com
Is Grupo Aval Acciones y Valores (AVAL) Stock Undervalued Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks....[read more]
Nov 13, 2024 - reuters.com
Profit for Colombia's Grupo Aval jumps six fold in third-quarter
Colombian financial conglomerate Grupo Aval reported on Wednesday a more than six-fold increase in its third-quarter net profit, climbing to 415.7 billion Colombian pesos ($94.18 million)....[read more]
Oct 29, 2024 - zacks.com
Should Value Investors Buy Grupo Aval Acciones y Valores (AVAL) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks....[read more]
Oct 1, 2024 - seekingalpha.com
Grupo Aval: Still On The Right Track To Recover
Grupo Aval is poised for recovery due to Colombia's improving macroeconomic conditions, interest rate cuts, and a declining inflation rate. The Colombian economy shows signs of recovery with GDP growth, increased domestic demand, and investment, which should benefit Grupo Aval's profitability. Grupo Aval's net interest margin is expected to expand as rate cuts reduce funding costs, with management optimistic about future loan growth....[read more]
May 15, 2024 - seekingalpha.com
Grupo Aval Acciones y Valores SA (AVAL) Q1 2024 Earnings Call Transcript
Grupo Aval Acciones y Valores SA (NYSE:AVAL ) Q1 2024 Earnings Conference Call May 15, 2024 10:00 AM ET Company Participants Maria Lorena Gutierrez Botero – Chief Executive Officer Diego Fernando Solano Saravia – Chief Financial Officer Conference Call Participants Nicolas Riva – Bank of America Julián Ausique – Davivienda Corredores Operator Welcome to Grupo Aval's First Quarter 2024 Consolidated Results Conference Call. My name is Regina and I will be your operator for today's call....[read more]
Apr 17, 2024 - businesswire.com
Grupo Aval Announces the Filing of Its Form 20-F for the Year Ended December 31, 2023
BOGOTÁ, Colombia--(BUSINESS WIRE)--Grupo Aval Acciones y Valores S.A. (“Grupo Aval” or the “Company”) (NYSE: AVAL; BVC: Voting Shares: GRUPOAVAL, Non-Voting Shares: PFAVAL), announces the filing of its Form 20-F for the year ended December 31, 2023, with the Securities and Exchange Commission (the “SEC”). Grupo Aval's Form 20-F can be accessed by visiting either the SEC's website at www.sec.gov or the Investor Relations section of the Company's website at www.grupoaval.com. In addition, shareho....[read more]

Grupo Aval Acciones y Valores S.A. Details

Country CO
City Bogotá
Address Carrera 13 No. 26A – 47
Ticker Symbol AVAL
Exchange New York Stock Exchange
IPO Date Sep 23, 2014
CEO Ms. Maria Lorena Gutierrez Botero
Sector Financial Services
Industry Banks - Regional
Employees 77.04K

Grupo Aval Acciones y Valores S.A. Company Description

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. It offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. The company 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, including services relating to capital markets, mergers and acquisitions, and project finance transactions; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing and brokerage transactions, real estate escrow services, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution services, and payment and collection services. Further, it is involved in equity investments in various sectors, including infrastructure, energy and gas, agribusiness, and hospitality; and treasury operations. Grupo Aval Acciones y Valores S.A. was incorporated in 1994 and is headquartered in Bogotá, Colombia.

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