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Earnings transcript
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AVAL
Grupo Aval Acciones y Valores S.A.
$4.35
-0.03
(-0.68%)
| Exchange: | NYSE |
| Market Cap: | 5.193B |
| Shares Outstanding: | 697.199M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Maria Lorena Gutierrez Botero | |||||
| Full Time Employees: | 77043 | |||||
| Address: |
| |||||
| Website: | https://www.grupoaval.com |
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.
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Revenue Segmentation
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Earnings Call
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 38,436,164,000 | 36,973,867,000 | 42,329,727,322 |
| Gross Profit | 11,052,695,000 | 11,304,400,000 | 21,544,776,874 |
| EBITDA | 4,638,721,000 | 4,412,529,000 | 3,859,299,818 |
| Operating Income | 3,487,550,000 | 3,137,904,000 | 3,859,299,818 |
| Net Income | 739,003,000 | 1,015,087,000 | 1,603,664,067 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 301,181,596,000 | 327,859,383,000 | 348,564,451,093 |
| Total Liabilities | 269,661,180,000 | 294,696,465,000 | 313,858,515,248 |
| Total Stockholders Equity | 16,782,672,000 | 17,451,257,000 | 18,426,221,740 |
| Total Debt | 65,541,339,000 | 43,129,602,000 | 68,598,340,498 |
| Cash and Cash Equivalents | 8,412,658,000 | 15,530,027,000 | 19,334,052,225 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,810,577,000 | -14,041,429,000 | 2,038,513,344 |
| Capital Expenditure | -1,298,646,000 | -662,671,000 | -586,348,856 |
| Free Cash Flow | 511,931,000 | -14,704,100,000 | 1,452,164,489 |
| Net Income | 3,487,550,000 | 1,015,087,000 | 1,578,913,358 |
| Net Change in Cash | 1,565,004,000 | -1,599,002,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 23,641,073,286.125 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 24,824,739,681.309 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 24,344,110,117.334 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 4,598,908,888.911 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 4,829,168,058.638 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,735,670,967.906 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 3,015,447,833.541 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 3,213,486,136.181 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 3,133,072,372.671 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 2,800,880,439.873 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,941,115,530.449 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,884,172,855.797 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.639 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.707 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.540 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Common questions about AVAL valuation
Is Grupo Aval Acciones y Valores S.A. (AVAL) overvalued or undervalued right now?
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Is AVAL a buy, hold, or sell for long-term investors?
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What is AVAL’s P/E ratio?
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AVAL
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Daily snapshot
-0.68
Trading Metrics:
| Open: | 4.3 | Previous Close: | 4.38 | |
| Day Low: | 4.3 | Day High: | 4.38 | |
| Year Low: | 2.25 | Year High: | 5.28 | |
| Price Avg 50: | 4.36 | Price Avg 200: | 3.78 | |
| Volume: | 61527 | Average Volume: | 187113 |
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