📊 AVAL Key Takeaways
Is Grupo Aval Acciones Y Valores S.A. (AVAL) a Good Investment?
Unable to provide meaningful fundamental analysis due to complete absence of financial data. The SEC filing contains no income statement, balance sheet, cash flow, or profitability metrics, making quantitative assessment impossible.
Grupo Aval's fundamentals improved materially in 2025, with attributable net income up 69.6% to Ps 1.72 trillion, ROAE rising to 9.6%, and ROAA reaching 1.0% as credit costs eased and net interest margin expanded. Financial health looks stable, supported by deposit growth of 11.2%, deposits covering net loans at 1.13x, and regulatory compliance across regulated entities, but profitability remains only moderate for a bank group and some subsidiaries still show weak earnings.
Why Buy Grupo Aval Acciones Y Valores S.A. Stock? AVAL Key Strengths
- Listed on major US exchange (NYSE) suggesting regulatory compliance
- Bank sector position in emerging market with growth potential
- Colombian operations in developing economy with long-term expansion prospects
- Profitability rebounded sharply in 2025, with attributable net income, ROAE, and ROAA all improving versus 2024
- Asset quality and credit costs improved, with 90-day past-due loans falling to 3.3% and cost of risk declining to 1.9%
- Funding and balance-sheet profile are solid, with customer deposits of Ps 207.4 trillion, total assets of Ps 348.9 trillion, and all regulated operations compliant with capital requirements
AVAL Stock Risks: Grupo Aval Acciones Y Valores S.A. Investment Risks
- Inability to assess profitability, solvency, or financial health due to missing data
- No cash flow visibility prevents evaluation of operational quality
- Foreign banking exposure introduces currency, political, and regulatory risks
- Zero insider trading activity in 90 days may indicate low management confidence or data gap
- Returns are still middling for a bank holding company, with 2025 ROAE of 9.6% leaving limited cushion against macro or credit deterioration
- Earnings quality is mixed because fee income ratio weakened and 4Q25 included losses from discontinued operations tied to the MFG disposal
- The group has meaningful exposure to Colombia's banking cycle and foreign-currency debt, which can pressure capital and earnings in adverse conditions
Key Metrics to Watch
- Complete income statement and balance sheet data availability
- Net interest margin and loan portfolio quality metrics
- Capital adequacy ratios and regulatory compliance status
- ROAE/ROAA trend
- 90+ day past-due loan ratio and cost of risk
Grupo Aval Acciones Y Valores S.A. (AVAL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
AVAL Profit Margin, ROE & Profitability Analysis
AVAL vs Finance Sector: How Grupo Aval Acciones Y Valores S.A. Compares
How Grupo Aval Acciones Y Valores S.A. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Grupo Aval Acciones Y Valores S.A. Stock Overvalued? AVAL Valuation Analysis 2026
Based on fundamental analysis, Grupo Aval Acciones Y Valores S.A. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Grupo Aval Acciones Y Valores S.A. Balance Sheet: AVAL Debt, Cash & Liquidity
AVAL Revenue Growth, EPS Growth & YoY Performance
AVAL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Grupo Aval Acciones Y Valores S.A. (CIK: 0001504764)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Feb 3, 2015 | SC 13G | grupoaval13g.htm | View → |
❓ Frequently Asked Questions about AVAL
What is the AI rating for AVAL?
Grupo Aval Acciones Y Valores S.A. (AVAL) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 36% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AVAL's key strengths?
Claude: Listed on major US exchange (NYSE) suggesting regulatory compliance. Bank sector position in emerging market with growth potential. ChatGPT: Profitability rebounded sharply in 2025, with attributable net income, ROAE, and ROAA all improving versus 2024. Asset quality and credit costs improved, with 90-day past-due loans falling to 3.3% and cost of risk declining to 1.9%.
What are the risks of investing in AVAL?
Claude: Inability to assess profitability, solvency, or financial health due to missing data. No cash flow visibility prevents evaluation of operational quality. ChatGPT: Returns are still middling for a bank holding company, with 2025 ROAE of 9.6% leaving limited cushion against macro or credit deterioration. Earnings quality is mixed because fee income ratio weakened and 4Q25 included losses from discontinued operations tied to the MFG disposal.
What is AVAL's revenue and growth?
Grupo Aval Acciones Y Valores S.A. reported revenue of N/A.
Does AVAL pay dividends?
Grupo Aval Acciones Y Valores S.A. does not currently pay dividends.
Where can I find AVAL SEC filings?
Official SEC filings for Grupo Aval Acciones Y Valores S.A. (CIK: 0001504764) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AVAL's EPS?
Grupo Aval Acciones Y Valores S.A. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is AVAL a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Grupo Aval Acciones Y Valores S.A. has a HOLD rating with 36% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is AVAL stock overvalued or undervalued?
Valuation metrics for AVAL: ROE of N/A (sector avg: 12%), net margin of N/A (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy AVAL stock in 2026?
Our dual AI analysis gives Grupo Aval Acciones Y Valores S.A. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is AVAL's free cash flow?
Grupo Aval Acciones Y Valores S.A.'s operating cash flow is N/A, with capital expenditures of N/A.
How does AVAL compare to other Finance stocks?
Vs Finance sector averages: Net margin N/A (avg: 25%), ROE N/A (avg: 12%), current ratio N/A (avg: 1.2).