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.

Grupo Aval Acciones y Valores S.A.

The International Finance Student Association (IFSA) is a global network of finance student associations, focusing on empowering members through skills acquisition for successful finance careers. They organize a range of events including conferences, workshops, and case competitions.

International Finance Student Association - IFSA Network

Grupo Aval is involved in financial services and provides various banking and investment solutions, self-described as a leading financial group in Colombia.

Metric
Company Name	Grupo Aval Acciones y Valores S.A.	International Finance Student Association - IFSA Network
Symbol	AVAL
MSH ID	COM:GRUPOAVAL	COM:IFSA-NETWORK
Market	STOCKS	PRIVATE
Sector	Financial Services	Commercial & Professional Services
Industry	Banks - Regional	Education & Training
Country	CO	US
Stage
Employee Count	77.04K
Website	grupoaval.com	ifsa-network.com
LinkedIn
Founders

Metric
Market Cap	2.54B
Enterprise Value
Monthly Web Traffic	1.25K
Web Traffic Growth	-0.54
Valuation
Raised Capital

Metric
Revenue	10.52B
Revenue (LTM)
Revenue (NTM)
Gross Profit	10.52B
EBITDA	-60.33M
Operating Income	-210.13M
Net Income	165.11M
EPS	0.14
Diluted EPS	0.14
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.29
EBITDA Margin	-0.01
Net Profit Margin	0.06
Return on Equity	0.08
Return on Assets	0.00
Return on Capital Employed	0.04

COM:GRUPOAVAL

Grupo Aval

Last Close

2.12

22/11 20:46

Market Cap

2.54B

Beta: -

Volume Today

22.67K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	6.85
P/B Ratio	0.74
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.46
EV Multiple	-4.93

Metric
Days Sales Outstanding	627.16
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.12

Metric
Operating Cash Flow	404.53M
Free Cash Flow	114.38M
Cash Flow to Debt	0.03
Operating Cash Flow/Sales	0.08
Free Cash Flow Yield

Metric
Cash & Equivalents	-4.16B
Accounts Receivable
Inventory
Goodwill	492.03M
Debt to Capitalization	0.80
Debt to Assets	0.23
Current Ratio
Quick Ratio	0.73

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue	0.45