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AVAL · NYSE · United States · Commercial Banks, Nec
In shortGrupo Aval Acciones Y Valores S.A. is profitable.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 2.2% | 29/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 5.9% | 30/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 0.3% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.14× | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 2 of 5 | 33/100 |
| Revenue growth volatility | 13.1% | 63/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 6.0% | 50/100 |
|---|---|---|
| EPS growth, 3-year average | -33.9% | 0/100 |
Weight in the score: 10%
Fiscal year 2024 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
COP millions; negative values in parentheses.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 |
|---|---|---|---|---|---|
| Revenue | 38,468,156 | 39,064,493 | 37,274,770 | 47,658,238 | 46,492,667 |
| Cost of revenue | 4,766,263 | – | – | – | – |
| Gross profit | 2,823,301 | 3,098,935 | 4,545,096 | 3,217,959 | 2,477,355 |
| Interest expense | 5,801,645 | 4,660,830 | 11,664,395 | 22,632,430 | 20,914,333 |
| Pre-tax income | 4,841,871 | 6,364,618 | 6,274,371 | 3,487,550 | 3,137,904 |
| Income tax | 1,360,067 | 2,323,428 | 2,271,404 | 1,310,434 | 946,427 |
| Net income | 2,349,521 | 3,297,736 | 2,482,885 | 739,003 | 1,015,087 |
| Diluted EPS | COP105.45 | COP148.01 | COP107.29 | COP31.12 | COP42.75 |
| Diluted shares (millions) | 15,136 | 15,129 | 15,760 | 16,202 | 16,202 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
4/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 28, 2025