Grupo Aval

Financial Services US AVAL

2.745USD
-0.065(2.31%)

Last update at 2025-06-13T16:52:00Z

Day Range

2.722.84
LowHigh

52 Week Range

1.883.28
LowHigh

Fundamentals

  • Previous Close 2.81
  • Market Cap3323.65M
  • Volume130535
  • P/E Ratio14.20
  • Dividend Yield4.43%
  • Revenue TTM12379723.14M
  • Revenue Per Share TTM10427.90
  • Gross Profit TTM 12379723.14M
  • Diluted EPS TTM0.20

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 6274400.00M 8520300.00M 6475300.00M 7451700.00M 7334100.00M
Minority interest -2386200.00000M -2370800.00000M 14782259.00M 13497702.00M 11764639.00M
Net income 4003000.00M 5668500.00M 4631600.00M 5365400.00M 2912700.00M
Selling general administrative 6537400.00M 9980400.00M 9366900.00M 9039700.00M 8518100.00M
Selling and marketing expenses 207071.00M 301633.00M 221541.00M 351104.00M 327539.00M
Gross profit 16311100.00M 23937951.40M 23080100.00M 21481222.10M 20263030.00M
Reconciled depreciation 645700.00M 1031000.00M 1015400.00M 1298681.00M 957174.00M
Ebit 16418700.00M 6149500.00M 4193200.00M 5120700.00M 12964499.00M
Ebitda 17064400.00M 7180500.00M 5208600.00M 6022200.00M 13504299.00M
Depreciation and amortization 645700.00M 1031000.00M 1015400.00M 901500.00M 539800.00M
Non operating income net other - - - 0.00000M 0.00000M
Operating income 16418700.00M 6149500.00M 4193200.00M 5120700.00M 12964499.00M
Other operating expenses 107600.00M 17805000.00M 9734100.00M 9460000.00M 9230071.00M
Interest expense 11664400.00M 6918700.00M 8262300.00M 8267200.00M 7484800.00M
Tax provision 2271400.00M 2851800.00M 1843668.00M 2086257.00M 2149590.00M
Interest income 19403000.00M 19647500.00M 20222790.00M 19552735.00M 18356636.00M
Net interest income 7738600.00M 12728900.00M 11960526.00M 11285518.00M 10871795.00M
Extraordinary items - - - 0.00000M 0.00000M
Non recurring - - - 0.00000M 0.00000M
Other items - - - 0.00000M 0.00000M
Income tax expense 2271400.00M 2851800.00M 1843700.00M 2086300.00M 2149600.00M
Total revenue 16311100.00M 23954500.00M 23080100.00M 21498400.00M 20580600.00M
Total operating expenses 107600.00M -17805000.00000M 9734100.00M 9460000.00M 8912501.00M
Cost of revenue - 16548.60M - 17177.90M 317570.00M
Total other income expense net -10144300.00000M 2370800.00M 2282100.00M 2331000.00M -5630399.00000M
Discontinued operations 593990.00M 1118556.00M 790340.00M 790340.00M 0.00000M
Net income from continuing ops 4003000.00M 5668500.00M 4631616.00M 5365454.00M 5184551.00M
Net income applicable to common shares 2482885.00M 3297700.00M 2349521.00M 3034409.00M 2912694.00M
Preferred stock and other adjustments - - - 0.00000M 0.00000M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 327859383.00M 301181596.00M 295591200.00M 366903900.00M 322895900.00M
Intangible assets 36333119.00M 15939694.00M 15282900.00M 12984100.00M 10811300.00M
Earning assets - - - - -
Other current assets - 62364228.00M 12444770.00M 186305100.00M 168972338.00M
Total liab 294696465.00M 269661180.00M 264769500.00M 327432200.00M 287456300.00M
Total stockholder equity 17451257.00M 16782672.00M 16467000.00M 23013700.00M 20657300.00M
Deferred long term liab - - - - -
Other current liab 1320817.00M -5101092.00000M -2800102.10000M -4034361.00000M -2988933.00000M
Common stock 23744.00M 23744.00M 23744.00M 22281.00M 22281.00M
Capital stock 23744.00M 23744.00M 23744.00M 22281.00M 22281.00M
Retained earnings 8163434.00M 7731773.00M 8018.40M 13383391.00M 11302134.00M
Other liab - - 11387814.00M 18191500.00M 15074542.00M
Good will 2223608.00M 2202222.00M 2248200.00M 8486600.00M 7713800.00M
Other assets - -59491172.00000M 160967800.00M 186305100.00M 168901700.00M
Cash 7278873.00M 8412658.00M 17032900.00M 36642800.00M 34025500.00M
Cash and equivalents - - - - -
Total current liabilities 1320817.00M 131670385.00M 3633.90M 4034361.00M 2988933.00M
Current deferred revenue - 527984.00M - - -
Net debt 35850729.00M 48164087.00M 55083900.00M 36639500.00M 24599200.00M
Short term debt - 29489000.00M - 806066.00M 864499.00M
Short long term debt 1566651.00M - - 806066.00M 864499.00M
Short long term debt total 71362380.00M 65541339.00M 72116800.00M 73282300.00M 58624700.00M
Other stockholder equity 9508062.00M 9571374.00M 17581802.60M 8490846.00M 8470872.00M
Property plant equipment - - 6141848.00M 8054600.00M 8042721.00M
Total current assets 7278873.00M 36626720.00M 66134700.00M 95412400.00M 80439400.00M
Long term investments 55710778.00M 49089930.00M 44897800.00M 55661100.00M 48129942.00M
Net tangible assets - - -17217127.00000M 1543000.00M 2132247.00M
Short term investments 28471501.00M -8964594.00000M 23938500.00M 38900000.00M 30481400.00M
Net receivables - 28214062.00M 25163300.00M 19869600.00M 15932500.00M
Long term debt 66929462.00M 65541339.00M 72116800.00M 73282300.00M 58624766.00M
Inventory - -9616162.00000M 68001.00M 177742.00M 178357.00M
Accounts payable 3253637.00M 3474177.00M 2803736.00M 3228295.00M 2124434.00M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -243983.00000M -544219.00000M -1146565.00000M 1117182.00M 862013.00M
Additional paid in capital - - - - -
Common stock total equity - - - - 22281.00M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 275991616.00M 250955453.00M -68488700.00000M -85186400.00000M -73554800.00000M
Deferred long term asset charges - - - - -
Non current assets total 320580510.00M 324046048.00M 68488700.00M 85186400.00M 73554800.00M
Capital lease obligations 2866267.00M - - - -
Long term debt total - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -13012475.00000M -6601941.00000M -7585410.00000M -3063527.00000M -3047304.00000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -13012475.00000M -6601941.00000M -7585410.00000M -3063527.00000M -3047304.00000M
Net borrowings -7526234.00000M 829069.00M 3111048.00M 1223695.00M -44005.00000M
Total cash from financing activities -8570692.00000M -1345950.00000M 404449.00M -895991.00000M -997557.00000M
Change to operating activities -20469812.00000M -8285745.00000M -18337493.00000M -10877447.00000M -1938709.00000M
Net income 6274371.00M 8520297.00M 6475284.00M 7451711.00M 7334141.00M
Change in cash -19609972.00000M 2617294.00M 3908299.00M 1715953.00M 6064445.00M
Begin period cash flow 36642829.00M 34025535.00M 30117236.00M 28401283.00M 22336838.00M
End period cash flow 17032857.00M 36642829.00M 34025535.00M 30117236.00M 28401283.00M
Total cash from operating activities -222124.00000M 5901630.00M 10020718.00M 5634994.00M 8731562.00M
Issuance of capital stock 0.00000M 120.00M 0.00000M 0.00000M 988072.00M
Depreciation 1090500.00M 1446352.00M 1401582.00M 1298681.00M 957174.00M
Other cashflows from investing activities 452314.00M 445810.00M 656815.00M 463492.00M 273206.00M
Dividends paid 414267.00M 1230841.00M 1330241.00M 1266920.00M 1128535.00M
Change to inventory - - - 0.00000M 0.00000M
Change to account receivables - - - -374435.00000M -630394.00000M
Sale purchase of stock -15014.00000M -29751.00000M -430324.00000M 0.00000M 1095892.00M
Other cashflows from financing activities -303513.00000M 1545840.00M -946034.00000M 1915154.00M -813089.00000M
Change to netincome -3099949.00000M 1830264.00M 1102589.00M 1764659.00M 2823205.00M
Capital expenditures 1146603.00M 2256278.00M 2012590.00M 1727044.00M 1424308.00M
Change receivables - - - 0.00000M 0.00000M
Cash flows other operating - - - 0.00000M 0.00000M
Exchange rate changes - - - 0.00000M 0.00000M
Cash and cash equivalents changes - - - 0.00000M 0.00000M
Change in working capital -2089162.00000M -672722.00000M 5167026.00M -468004.00000M 2026673.00M
Stock based compensation - - - - -
Other non cash items -5497833.00000M -3392297.00000M -3023174.00000M -2647394.00000M -1586426.00000M
Free cash flow -1368727.00000M 3645352.00M 8008128.00M 3907950.00M 7307254.00M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
AVAL
Grupo Aval
-0.065 2.31% 2.75 14.20 - 0.0003 0.83 5.33
HDB
HDFC Bank Limited ADR
-1.95 2.57% 73.93 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.32 0.96% 32.98 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H
- -% 6.50 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited
-0.405 1.21% 33.09 17.79 16.95 0.07 3.08

Reports Covered

Stock Research & News

Profile

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. 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 hospitality; and providing treasury operations. The company was incorporated in 1994 and is headquartered in Bogotá, Colombia.

Grupo Aval

Carrera 13 No. 26A ? 47, Bogotá, Colombia, 110311

Key Executives

Name Title Year Born
Mr. Luis Carlos Sarmiento Gutierrez Pres 1962
Mr. Diego Fernando Solano Saravia Chief Financial Officer 1966
Ms. María Edith Gonzalez Florez VP of Accounting 1959
Mr. Jorge Adrian Rincon Plata Chief Legal Counsel 1980
Mr. Rafael Eduardo Neira Torres Chief of Internal Control 1956
Mr. Rodolfo Velez Borda Chief of Information Technology 1965
Ms. Luz Karime Vargas Hurtado Chief Risk Management Officer 1973
Omar Suarez Head of Equity Strategy NA
Mr. Eduardo Duque Suarez Chief Risk Officer 1966
Mr. Alejandro Augusto Figueroa Jaramillo Ph.D. Pres of Banco de Bogotá & Director 1942

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