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GRUPO AVAL ACCIONES Y VALORE (AVAL) Stock Fundamental Analysis

NYSE:AVAL - New York Stock Exchange, Inc. - US40053W1018 - ADR - Currency: USD

2.75  +0.13 (+4.96%)

After market: 2.66 -0.09 (-3.27%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to AVAL. AVAL was compared to 405 industry peers in the Banks industry. AVAL may be in some trouble as it scores bad on both profitability and health. AVAL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past 5 years AVAL has always been profitable.
Of the past 5 years AVAL 4 years had a positive operating cash flow.
AVAL Yearly Net Income VS EBIT VS OCF VS FCFAVAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2T -2T 4T 6T 8T 10T

1.2 Ratios

Looking at the Return On Assets, with a value of 0.47%, AVAL is doing worse than 74.62% of the companies in the same industry.
AVAL has a Return On Equity of 8.72%. This is comparable to the rest of the industry: AVAL outperforms 56.78% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 8.72%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.8%
ROE(3y)12.46%
ROE(5y)12.81%
ROIC(3y)N/A
ROIC(5y)N/A
AVAL Yearly ROA, ROE, ROICAVAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

The Profit Margin of AVAL (7.90%) is worse than 86.68% of its industry peers.
In the last couple of years the Profit Margin of AVAL has declined.
The Operating Margin and Gross Margin are not available for AVAL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 7.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.75%
PM growth 5Y-11.4%
GM growth 3YN/A
GM growth 5YN/A
AVAL Yearly Profit, Operating, Gross MarginsAVAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

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1

2. Health

2.1 Basic Checks

AVAL has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, AVAL has more shares outstanding
The debt/assets ratio for AVAL has been reduced compared to a year ago.
AVAL Yearly Shares OutstandingAVAL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B
AVAL Yearly Total Debt VS Total AssetsAVAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100T 200T 300T

2.2 Solvency

AVAL has a debt to FCF ratio of 29.14. This is a negative value and a sign of low solvency as AVAL would need 29.14 years to pay back of all of its debts.
AVAL has a Debt to FCF ratio of 29.14. This is amonst the worse of the industry: AVAL underperforms 80.15% of its industry peers.
A Debt/Equity ratio of 4.08 is on the high side and indicates that AVAL has dependencies on debt financing.
AVAL has a worse Debt to Equity ratio (4.08) than 97.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.08
Debt/FCF 29.14
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
AVAL Yearly LT Debt VS Equity VS FCFAVAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20T 40T 60T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AVAL Yearly Current Assets VS Current LiabilitesAVAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5T 10T 15T

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5

3. Growth

3.1 Past

AVAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 561.33%, which is quite impressive.
Measured over the past years, AVAL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.26% on average per year.
Looking at the last year, AVAL shows a small growth in Revenue. The Revenue has grown by 2.50% in the last year.
Measured over the past years, AVAL shows a decrease in Revenue. The Revenue has been decreasing by -1.99% on average per year.
EPS 1Y (TTM)561.33%
EPS 3Y-16.87%
EPS 5Y-14.26%
EPS Q2Q%541.42%
Revenue 1Y (TTM)2.5%
Revenue growth 3Y-8.94%
Revenue growth 5Y-1.99%
Sales Q2Q%-35.67%

3.2 Future

The Earnings Per Share is expected to grow by 44.37% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.62% on average over the next years. This is quite good.
EPS Next Y36.09%
EPS Next 2Y54.93%
EPS Next 3Y44.37%
EPS Next 5YN/A
Revenue Next Year5.8%
Revenue Next 2Y12.08%
Revenue Next 3Y11.62%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
AVAL Yearly Revenue VS EstimatesAVAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5T 10T 15T 20T 25T
AVAL Yearly EPS VS EstimatesAVAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1K 2K 3K

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1

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
AVAL Price Earnings VS Forward Price EarningsAVAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AVAL Per share dataAVAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

AVAL's earnings are expected to grow with 44.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y54.93%
EPS Next 3Y44.37%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.40%, AVAL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.15, AVAL pays a better dividend. On top of this AVAL pays more dividend than 84.92% of the companies listed in the same industry.
AVAL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 4.4%

5.2 History

The dividend of AVAL decreases each year by -8.61%.
AVAL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.61%
Div Incr Years0
Div Non Decr Years0
AVAL Yearly Dividends per shareAVAL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

AVAL pays out 52.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP52.31%
EPS Next 2Y54.93%
EPS Next 3Y44.37%
AVAL Yearly Income VS Free CF VS DividendAVAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2T -2T 4T 6T 8T
AVAL Dividend Payout.AVAL Dividend Payout, showing the Payout Ratio.AVAL Dividend Payout.PayoutRetained Earnings

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GRUPO AVAL ACCIONES Y VALORE

NYSE:AVAL (2/4/2025, 8:27:56 PM)

After market: 2.66 -0.09 (-3.27%)

2.75

+0.13 (+4.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13 2024-11-13/bmo
Earnings (Next)N/A N/A
Inst Owners0.18%
Inst Owner Change1.11%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.26B
Analysts73.33
Price TargetN/A
Short Float %0.14%
Short Ratio0.27
Dividend
Industry RankSector Rank
Dividend Yield 4.4%
Yearly Dividend32.28
Dividend Growth(5Y)-8.61%
DP52.31%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-28 2025-02-28 (0.0094972)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-16.77%
EPS NY rev (3m)-16.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.46%
Revenue NY rev (3m)-2.46%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 8.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.9%
GM N/A
FCFM 12.7%
ROA(3y)0.73%
ROA(5y)0.8%
ROE(3y)12.46%
ROE(5y)12.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.75%
PM growth 5Y-11.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 4.08
Debt/FCF 29.14
Debt/EBITDA N/A
Cap/Depr 107.96%
Cap/Sales 6.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 160.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)101.71%
Cap/Depr(5y)95%
Cap/Sales(3y)5.86%
Cap/Sales(5y)5.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)561.33%
EPS 3Y-16.87%
EPS 5Y-14.26%
EPS Q2Q%541.42%
EPS Next Y36.09%
EPS Next 2Y54.93%
EPS Next 3Y44.37%
EPS Next 5YN/A
Revenue 1Y (TTM)2.5%
Revenue growth 3Y-8.94%
Revenue growth 5Y-1.99%
Sales Q2Q%-35.67%
Revenue Next Year5.8%
Revenue Next 2Y12.08%
Revenue Next 3Y11.62%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.51%
FCF growth 3Y-18.83%
FCF growth 5Y-9.54%
OCF growth 1Y-18.12%
OCF growth 3Y-15.69%
OCF growth 5Y-7.21%