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 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.

International Finance Student Association is a global network of finance student associations that aims to empower members and help them acquire skills for successful finance careers through events like conferences, workshops, and case competitions.

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

IFSA

COM:IFSA-NETWORK

International Finance Student Association

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