US · AVAL
Grupo Aval Acciones y Valores S.A.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Bogotá
- Website
- grupoaval.com
Price · as of 2024-12-31
$4.40
Market cap 4.88B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.00 | -100% |
| Intrinsic Value(DCF) | $2.52 | -42.73% |
| Graham-Dodd Method(GD) | $2.00 | -54.55% |
| Graham Formula(GF) | $1.00 | -77.27% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $0.00 | $0.00 | |||
| 2011 | $0.70 | $11.80 | |||
| 2012 | $0.50 | $11.60 | |||
| 2013 | $0.00 | $7.10 | |||
| 2014 | $4.71 | $7.86 | $1.70 | $0.00 | $6.10 |
| 2015 | $4.28 | $9.10 | $29.73 | $0.00 | $18.10 |
| 2016 | $4.57 | $8.24 | $54.67 | $0.10 | $13.50 |
| 2017 | $5.37 | $8.38 | $13.21 | $0.00 | $6.10 |
| 2018 | $4.99 | $9.24 | $3.30 | $1.90 | $9.60 |
| 2019 | $5.34 | $9.36 | $3.28 | $2.00 | $10.60 |
| 2020 | $4.77 | $8.71 | $3.20 | $1.10 | $0.00 |
| 2021 | $4.20 | $9.57 | $7.04 | $2.90 | $67.60 |
| 2022 | $1.88 | $5.71 | $43.97 | $4.50 | $23.00 |
| 2023 | $2.29 | $5.17 | $1,112.76 | $1.50 | $7.00 |
| 2024 | $2.85 | $5.77 | $125.73 | $2.00 | $1.00 |
AI valuation
Our deep-learning model estimates Grupo Aval Acciones y Valores S.A.'s (AVAL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.00
- Current price
- $4.40
- AI upside
- -100%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$2.52
-42.73% upside
Graham-Dodd
$2.00
-54.55% upside
Graham Formula
$1.00
-77.27% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AVAL | Grupo Aval Acciones y Val… | $4.40 | 4.88B | +31% | -43% | -55% | -77% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| ABCB | Ameris Bancorp | $77.66 | 5.31B | -37% | -9% | -19% | -22% | 13.17 | 1.33 | 3.26 | 11.47 | 84.41 | 1.81 | 68.31% | 32.05% | 24.75% | 10.53% | 13.62% | 1.53% | 0.17 | 1.17 | 0.17 | 0.00 | 1.30 | 1561.00% | 200.00% | 3303.00% | 3.45% | 0.03 | 6.19% | 1.02% | 13.40% | 1.02% | 11.47 | 32.70 | 3.68 | 0.14 |
| AUB | Atlantic Union Bankshares… | $37.06 | 5.28B | -38% | +748% | -12% | +193% | 19.48 | 1.07 | 2.64 | 6.06 | — | 1.80 | 60.94% | 16.77% | 13.54% | 6.72% | 18.61% | 0.88% | 0.30 | 0.51 | 6.81 | 6.81 | 3.19 | -938.00% | 5019.00% | -6750.00% | 1.83% | 0.15 | 6.61% | 0.00% | 0.00% | 0.00% | 7.08 | 24.55 | 1.19 | 0.35 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| FNB | F.N.B. Corporation | $16.99 | 6.07B | +215% | -15% | -26% | +20% | 10.94 | 0.92 | 2.30 | 5.80 | 47.93 | 1.46 | 62.31% | 24.84% | 20.98% | 8.66% | 11.74% | 1.14% | 0.58 | 0.72 | 1.01 | 0.99 | 2.12 | 2283.00% | 494.00% | -2525.00% | 6.08% | 0.01 | 7.81% | 2.81% | 30.80% | 10.55% | 5.80 | 10.32 | 1.44 | 0.26 |
| GBCI | Glacier Bancorp, Inc. | $45.49 | 5.91B | -40% | -60% | -73% | -11% | 24.94 | 1.41 | 4.18 | 12.41 | 135.18 | 2.18 | 68.96% | 22.86% | 16.77% | 6.43% | 10.23% | 0.80% | 0.69 | 0.80 | 307.57 | 307.57 | 7.06 | 1845.00% | 1448.00% | 6569.00% | 5.83% | 4.58 | 13.25% | 2.73% | 68.10% | 8.93% | 13.90 | 13.04 | 3.18 | 1.20 |
| HOMB | Home Bancshares, Inc. | $27.46 | 5.4B | +20% | +11% | -2% | -74% | 11.59 | 1.28 | 4.01 | 5.40 | 58.25 | 1.92 | 77.30% | 43.75% | 34.59% | 11.51% | 20.51% | 2.10% | 0.22 | 1.47 | — | — | 0.43 | 1990.00% | -535.00% | -2225.00% | 5.95% | — | 14.16% | 0.00% | 0.00% | 1.98% | 5.55 | 10.17 | 2.43 | 0.63 |
| HWC | Hancock Whitney Corporati… | $65.81 | 5.5B | -22% | -10% | -16% | -41% | 11.45 | 1.25 | 2.76 | 10.14 | 151.08 | 1.60 | 73.05% | 31.00% | 24.08% | 11.32% | 25.05% | 1.38% | 0.27 | 1.23 | 0.00 | 0.00 | 1.86 | 758.00% | -152.00% | -3865.00% | 6.79% | 0.01 | 19.05% | 2.76% | 31.60% | 7.20% | 10.63 | 17.60 | 3.29 | -0.68 |
| IFS | Intercorp Financial Servi… | $48.38 | 5.37B | -25% | -31% | -18% | +19% | 10.30 | 1.52 | 2.03 | 7.08 | 23.78 | 1.75 | 65.27% | 25.24% | 19.72% | 15.66% | 153.46% | 1.87% | 1.03 | 1.09 | 2.07 | 2.07 | 0.29 | 4332.00% | 431.00% | -26255.00% | 16.30% | 0.53 | 256.55% | 2.11% | 21.70% | 3.43% | 8.34 | 6.36 | 2.11 | 0.41 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
About Grupo Aval Acciones y Valores S.A.
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.
- CEO
- Maria Lorena Gutierrez Botero
- Employees
- 77.04K
- Beta
- 0.47
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($2.52 ÷ $4.40) − 1 = -42.73% (DCF, example).