Financial Services · Banks
Price
$5.06
Market Cap
$6.0B
Employees
78,827
Beta
0.41
Avg Volume
282,911
CEO
Luis Carlos Sarmiento Gutiérrez
Business Description
Grupo Aval Acciones y Valores SA engages in the provision of financial services and products. It operates through the following segments: Banking Services, Merchant Banking, Pension and Severance Fund Management, and Holding. The Banking Services segment focuses on banking services, fund management and trust businesses, storage companies, and entities that manage low-value payment systems. The Merchant Banking segment is involved in the financial Sector, gas and energy sector, infrastructure sector, hotel sector, and agribusiness sector. The Pension and Severance Fund Management segment refers to the administrator of pension and severance funds. The Holding segment consists of Grupo Aval and Grupo Aval Limited. The company was founded by Luis Carlos Sarmiento Angulo on January 7, 1994 and is headquartered in Bogota, Colombia.
Business History
Price Overview
Price at report time · Jul 5, 4:04am (0m ago)
$5.06
Change · Jul 5
-0.02 (-0.39%)
Day Range
$5.03 – $5.27
52-Week Range
$2.80 – $6.20
50-Day MA
$4.77
200-Day MA
$4.30
Volume
54,619.00
Right now · live
loading…
Real-time — the change above is the move since the report (over 0m).
Share Structure
Outstanding
1,187,173,793.00
Float
147,585,583.00
Free Float
12.4%
Very low free float
— 12.4% of shares trade freely, ~87.6% held by insiders/institutions
Thinly traded — expect wider bid-ask spreads and sharp price swings on modest volume. Institutional investors may avoid due to liquidity constraints.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
11.90
Stock Price: $5.06
EPS (Diluted): 1,350.80
EPS (Diluted): 1,350.80
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.98
Stock Price: $5.06
Total Equity: $18,426.22B
Shares: 1,187,173,800
Total Equity: $18,426.22B
Shares: 1,187,173,800
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
10.95
Market Cap: $6.01B
Total Debt: $68,598.34B
Cash: $19,334.05B
EBITDA: $3,859.30B
Total Debt: $68,598.34B
Cash: $19,334.05B
EBITDA: $3,859.30B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$67.4T
Market Cap: $6.01B
Total Debt: $68,598.34B
Cash: $19,334.05B
Total Debt: $68,598.34B
Cash: $19,334.05B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
50.9%
Gross Profit: $21,544.78B
Revenue: $42,329.73B
Revenue: $42,329.73B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
9.1%
Operating Income: $3,859.30B
Revenue: $42,329.73B
Revenue: $42,329.73B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
3.8%
Net Income: $1,603.66B
Revenue: $42,329.73B
Revenue: $42,329.73B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
9.4%
Net Income: $1,603.66B
Total Equity: $18,426.22B
Total Equity: $18,426.22B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
2.8%
Operating Income: $3,859.30B
Tax Rate: 34.6%
Equity: $18,426.22B
Total Debt: $68,598.34B
Cash: $19,334.05B
Tax Rate: 34.6%
Equity: $18,426.22B
Total Debt: $68,598.34B
Cash: $19,334.05B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.00
Current Assets: $48,400.61B
Current Liabilities: $0.00
Current Liabilities: $0.00
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
3.72
Short-Term Debt: $0.00
Long-Term Debt: $68,598.34B
Total Debt: $68,598.34B
Total Equity: $18,426.22B
Long-Term Debt: $68,598.34B
Total Debt: $68,598.34B
Total Equity: $18,426.22B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$35,655.88
Revenue: $42,329.73B
Shares: 1,187,173,800
Shares: 1,187,173,800
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$15,521.08
Total Equity: $18,426.22B
Shares: 1,187,173,800
Shares: 1,187,173,800
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$1,223.21
Operating CF: $2,038.51B
CapEx: -$586.35B
Shares: 1,187,173,800
CapEx: -$586.35B
Shares: 1,187,173,800
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
3.2%
Last Dividend: N/A
Stock Price: $5.06
Stock Price: $5.06
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $1,603.66B
Net Income: $1,603.66B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares AVAL against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 5, 2026 4:04am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $20.7T | $27.9T | $38.4T | $37.0T | $42.3T |
| Cost of Revenue | $7.9T | $14.8T | $27.4T | $25.7T | $20.8T |
| Gross Profit | $12.8T | $13.2T | $11.1T | $11.3T | $21.5T |
| Operating Expenses | $6.5T | $6.9T | $7.6T | $8.2T | $17.7T |
| Operating Income | $6.4T | $6.3T | $3.5T | $3.1T | $3.9T |
| Net Income | $3.3T | $2.5T | $739.0B | $1.0T | $1.6T |
| EBITDA | $7.8T | $7.4T | $4.6T | $4.4T | $3.9T |
| EPS | $1,956.00 | $1,632.40 | $622.40 | $856.00 | $1,350.80 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 5, 2026 4:04am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $35.6T | $15.9T | $17.4T | $15.5T | $19.3T |
| Total Current Assets | $56.3T | $74.1B | $70.0T | $75.1T | $48.4T |
| Total Assets | $366.9T | $295.6T | $301.2T | $327.9T | $348.6T |
| Current Liabilities | $238.5T | $4.1T | $186.5T | $205.7T | $0 |
| Long-Term Debt | $73.3T | $72.1T | $59.0T | $66.9T | $68.6T |
| Total Liabilities | $327.4T | $264.8T | $269.7T | $294.7T | $313.9T |
| Total Equity | $23.0T | $16.5T | $16.8T | $17.5T | $18.4T |
| Retained Earnings | $13.4T | $8.0T | $7.7T | $8.2T | $0 |
Cash Flow (Annual)
Last updated: Jul 5, 2026 4:04am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $5.9T | -$19.5T | -$9.3T | -$14.0T | $2.0T |
| Capital Expenditure | -$2.3T | -$547.7B | -$615.2B | -$662.7B | -$586.3B |
| Free Cash Flow | $3.6T | -$20.0T | -$10.0T | -$14.7T | $1.5T |
| Acquisitions (net) | -$1.1T | $0 | $0 | $0 | $178.0B |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$29.8B | -$15.0B | $0 | -$55.0B | $0 |
| Net Change in Cash | $2.6T | -$19.6T | $1.6T | -$1.6T | $0 |
Analyst Estimates (Annual)
Last updated: Jul 5, 2026 4:04am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$18.0T $17.7T – $18.2T
|
$17.2T $16.9T – $17.3T
|
$19.2T $18.9T – $19.4T
|
$21.7T $21.4T – $21.9T
|
| EBITDA |
$3.5T $3.4T – $3.5T
|
$3.3T $3.3T – $3.4T
|
$3.7T $3.7T – $3.8T
|
$4.2T $4.2T – $4.3T
|
| Net Income |
$1.9T $1.8T – $1.9T
|
$1.8T $1.8T – $1.8T
|
$2.2T $2.2T – $2.3T
|
$2.8T $2.8T – $2.9T
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 5, 2026 4:04am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +35.2% | +37.6% | -3.8% | +14.5% |
| Gross Profit Growth | +2.7% | -16.0% | +2.3% | +90.6% |
| Operating Income Growth | -1.4% | -44.4% | -10.0% | +23.0% |
| Net Income Growth | -24.7% | -70.2% | +37.4% | +58.0% |
| EBITDA Growth | -5.7% | -37.0% | -4.9% | -12.5% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-12 | Gonzalez Piedra Miguel Angel | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Gonzalez Florez Maria Edith | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Solano Saravia Diego | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Solano Saravia Diego | 53,191.00 | $0.00 | $0 | |
| 2026-03-18 | Duque Suarez Eduardo | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Gutierrez de Pineres Luna Ernesto Jose | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Paz Montoya Esther America | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Paz Montoya Esther America | 251,718.00 | $0.00 | $0 | |
| 2026-03-18 | Castellanos Ordonez Fabio | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Rincon Plata Jorge Adrian | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Escobar Arango Andres | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Salgar Mauricio | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Salgar Mauricio | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Cardenas Muller Mauricio | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Cardenas Muller Mauricio | 40,616.00 | $0.00 | $0 | |
| 2026-03-18 | Castano Gutierrez Jorge Alexander | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Silva Lujan Jorge | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Sarmiento Gutierrez Luis Carlos | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Lopez Roca Luis Fernando | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Gutierrez Botero Maria Lorena | 0.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 5, 2026 4:04am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-08-31 | $0.01 | 2026-03-30 | 2026-08-31 | 2026-09-09 |
| 2026-07-31 | $0.01 | 2026-03-30 | 2026-07-31 | 2026-08-10 |
| 2026-06-30 | $0.01 | 2026-03-30 | 2026-06-30 | 2026-07-09 |
| 2026-05-29 | $0.01 | 2026-03-30 | 2026-05-29 | 2026-06-08 |
| 2026-05-01 | $0.01 | 2026-03-30 | 2026-05-01 | 2026-05-11 |
| 2026-04-09 | $0.01 | 2026-03-30 | 2026-04-09 | 2026-04-16 |
| 2026-02-27 | $0.01 | 2025-09-04 | 2026-02-27 | 2026-03-09 |
| 2026-01-30 | $0.01 | 2025-09-04 | 2026-01-30 | 2026-02-09 |
| 2025-12-31 | $0.01 | 2025-09-04 | 2025-12-31 | 2026-01-09 |
| 2025-11-28 | $0.01 | 2025-09-04 | 2025-11-28 | 2025-12-08 |
| 2025-11-03 | $0.01 | 2025-09-04 | 2025-11-03 | 2025-11-12 |
| 2025-09-30 | $0.01 | 2025-04-07 | 2025-09-30 | 2025-10-08 |
| 2025-08-29 | $0.01 | 2025-04-07 | 2025-08-29 | 2025-09-08 |
| 2025-07-31 | $0.01 | 2025-04-07 | 2025-07-31 | 2025-08-08 |
| 2025-06-30 | $0.01 | 2025-04-07 | 2025-06-30 | 2025-07-09 |
| 2025-06-02 | $0.01 | 2025-04-07 | 2025-06-02 | 2025-06-10 |
| 2025-05-01 | $0.01 | 2025-04-07 | 2025-05-01 | 2025-05-09 |
| 2025-04-11 | $0.01 | 2025-04-01 | 2025-04-11 | 2025-04-17 |
| 2025-02-28 | $0.01 | 2024-10-07 | 2025-02-28 | 2025-03-10 |
| 2025-01-31 | $0.01 | 2024-10-07 | 2025-01-31 | 2025-02-10 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for AVAL — it's generated by the pipeline (
market-narrative step).
No community reviews yet for AVAL.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
personal — only you see this
Sign in to save personal notes and rate your interest in this stock.
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.377 · 1648bd22 · 2026-07-04 14:36:23