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Colombia's largest financial conglomerate; holding company for Banco de Bogota, Banco de Occidente, pensions and infrastructure interests.
Colombia's largest financial conglomerate; holding company for Banco de Bogota, Banco de Occidente, pensions and infrastructure interests.
Is a holding company, so its income comes mostly from the banks it controls: the spread between loan interest and deposit costs, plus pension-management fees. Banco de Bogota, which owns BAC Credomatic in Central America, carries the most. Corficolombiana adds earnings from toll-road concessions. The Sarmiento family controls the group, and this ADR represents preferred shares.
In one line: Colombia's largest bank holding group.
Moat: narrow (scale, distribution). Largest banking group in Colombia with multiple bank brands and regional reach via BAC Credomatic.
Headquarters: Bogota, Colombia · Founded: 1994
Size Grupo Aval Acciones y Valores SA Sponsored ADR Pfd (AVAL) is a United States Financials company (Major Banks) with a market value of $5.29B, the 1147th largest of 3,117 United States companies the cockpit tracks. Shares closed at $4.31 on 6 Nov 2026.
Performance Over six months the shares fell 4.7%, against +6.4% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 15.5% over the last twelve months (peer median +6.5%); the operating margin is 17.9% (peer median 37.9%).
Valuation It trades at 0.95× book value against a peer median of 1.18× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 7.8%; Grupo Aval Acciones y Valores SA Sponsored ADR Pfd delivers 10.8%, so the price asks less than the business earns today.
Credit Grupo Aval Acciones y Valores SA Sponsored ADR Pfd has 1 bond outstanding ($1.00B) and trading like BB at a weighted spread of 198 bp.
Short interest Short interest is 0.1% of the free float (15 Oct 2026).
Next results Next results expected around 18 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $12.5B | $10.7B | $10.8B | $10.8B | $8.35B |
| Revenue growth | — | -1% | 0% | +29% | — |
| Net income | $475M | $420M | $245M | $171M | $583M |
| Free cash flow | $614M | $385M | $730M | $276M | -$12.6M |
| Capital expenditure | $322M | $318M | $320M | $300M | $269M |
| Total debt | $20.5B | $18.4B | $16.7B | $17.1B | $15.0B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% |
| Grupo Cibest S.A. Unsponsored ADR Pfd CIB | $24.7B | +42% | +7% | 19% | 1.97× | 14.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | AVAL | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -11.5% | +0.4% | 5th lowest of 21 |
| 6-month return | -4.7% | +6.4% | 6th lowest of 21 |
| Return on equity | 10.8% | 9.6% | 8th highest of 21 |
| Price / book | 0.95× | 1.18× | 8th cheapest of 21 |
| Trailing P/E | 10.8× | 11.8× | 9th cheapest of 21 |
| ROE the price implies | 7.8% | 10.9% | 6th least demanding of 19 |
| ROE delivered | 10.8% | 9.6% | 8th highest of 21 |
| Bond spread | 198 bp | n/a | — |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| Bank of Chongqing 601963.SS | China | $5.13B | +7% | +5% | 10% | 0.65× | 3.0% | 9.8% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |
| Yes Bank YESBANK.NS | India | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% | 8.2% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
Grupo Aval Acciones y Valores SA Sponsored ADR Pfd has 1 bond outstanding with $1.00B face value. Weighted yield 6.57%, a spread of 198 bp over government bonds.