Grupo Aval Acciones y Valores S.A. ADR
Grupo Aval Acciones y Valores S.A. ADR is a Colombian financial services holding company that provides a broad mix of banking and related financial products. Through its main subsidiaries, the company operates commercial banking, pension fund management, merchant banking, and investment-oriented financial services, serving retail, corporate, and institutional clients. Its banking operations include deposits, loans, credit cards, treasury services, and foreign exchange products, while its asset and pension businesses support retirement savings and long-term fund administration. Grupo Aval also has a regional presence in Central America and Mexico through consumer and card banking operations. Headquartered in Bogotá, Colombia, Grupo Aval Acciones y Valores S.A. ADR plays a significant role in Latin American financial markets as a diversified holding company with exposure to banking, pensions, and capital markets-related services.
$4.85
-$0.05 (-1.02%)
EOD Oct 16, 2026
18.51% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 8.2% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
8.9x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
COP 18.12T
▲ +8.2% YoY
Net Income (TTM)
COP 3.26T
▲ +46.7% YoY
Net Margin
17.99%
P/E
8.9x
Balance Sheet
Total Assets
COP 348.94T
Equity
COP 34.74T
Total Debt
COP 66.87T
Cash & Equiv.
COP 48.96T
3Y CAGR: +2.2%
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Is Grupo Aval Acciones y Valores S.A. ADR (AVAL) overvalued?
At a P/E of 8.9 and a price-to-free-cash-flow of 3.0, Grupo Aval Acciones y Valores S.A. ADR (AVAL) trades below a two-stage DCF intrinsic value of about COP 164,377.90 per share, so at COP 4.85 the stock looks undervalued (3,389,135.1% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Grupo Aval Acciones y Valores S.A. ADR scores 72/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is Grupo Aval Acciones y Valores S.A. ADR's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about COP 164,377.90 per share for AVAL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around COP 123,283.43. At today's COP 4.85, that puts the stock about 3,389,135.1% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is Grupo Aval Acciones y Valores S.A. ADR a high-quality business?+
Grupo Aval Acciones y Valores S.A. ADR scores 72 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Grupo Aval Acciones y Valores S.A. ADR a good stock to buy right now?+
That depends on valuation and quality together, not either alone. AVAL currently trades below its estimated intrinsic value and scores 72/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.