AVAL:NYE-Grupo Aval Acciones y Valores S.A (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 5.71

Change

0.00 (0.00)%

Market Cap

USD 6.36B

Volume

0.29M

Avg Analyst Target

USD 5.50 (-3.68%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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. The company offers deposit products and services, such as checking and savings accounts, and time deposits, as well as other deposits, including deposits from correspondent banks, cashier checks, and collection services. It also provides commercial loans, which include general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans comprising payroll, personal, automobile, and other vehicle loans, as well as microcredit and mortgage loans. In addition, the company offers pension and severance fund management services; advice related to capital markets, mergers and acquisitions and project finance transactions; mobile and online banking services; and bancassurance, trust, portfolio management, bonded warehousing and brokerage transactions, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, factoring, and payment and collection services. Further, it is involved in merchant and investment banking activities; trading activities, such as fixed income trading, and derivatives and foreign exchange operations, as well as the provision of the treasury, real estate, leasing and training, and insurance services; and deposit and lending operations in foreign currencies. As of December 31, 2020, the company operated through a network of 1,258 branches, 3,383 ATMs, and 36,249 other points of service in Colombia; and 331 branches, 2,179 ATMs, and 8,985 other points of service in Central America. Grupo Aval Acciones y Valores S.A. was incorporated in 1994 and is headquartered in Bogotá, Colombia. Address: Carrera 13 No. 26A - 47, Bogotá, Colombia

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2021-09-26 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

N/A

USD135.94B 183.44 N/A
USB-PH U.S. Bancorp

N/A

USD101.85B 5.30 N/A
USB U.S. Bancorp

N/A

USD88.65B 12.81 N/A
USB-PP U.S. Bancorp

N/A

USD86.02B 5.87 N/A
PNC The PNC Financial Services Gro..

N/A

USD82.66B 14.77 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PM U.S. Bancorp

N/A

USD77.86B 5.53 N/A
IBN ICICI Bank Limited

N/A

USD67.88B 25.18 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
ITUB Itaú Unibanco Holding S.A

N/A

USD51.64B 9.89 N/A

ETFs Containing AVAL

Symbol Name Weight Mer Price(Change) Market Cap
GXG Global X MSCI Colombia ET.. 0.00 % 0.62 %

N/A

USD0.04B

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -17.01% 9% F 10% F
Dividend Return 2.90% 48% F 61% D-
Total Return -14.10% 9% F 10% F
Trailing 12 Months  
Capital Gain 24.13% 36% F 44% F
Dividend Return 6.65% 85% B 78% C+
Total Return 30.78% 39% F 48% F
Trailing 5 Years  
Capital Gain -31.86% 14% F 14% F
Dividend Return 15.40% 47% F 55% F
Total Return -16.46% 15% F 14% F
Average Annual (5 Year Horizon)  
Capital Gain -5.08% 8% F 10% F
Dividend Return 3.35% 82% B- 71% C-
Total Return -1.73% 12% F 10% F
Risk Return Profile  
Volatility (Standard Deviation) 25.53% 59% F 44% F
Risk Adjusted Return -6.78% 10% F 10% F
Market Capitalization 6.36B 57% F 76% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.51 69% D+ 83% B
Price/Book Ratio 1.15 54% F 68% D+
Price / Cash Flow Ratio 0.00 88% B+ 82% B-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 16.34% 84% B 71% C-
Return on Invested Capital -2.00% 9% F 21% F
Return on Assets 1.72% 86% B 39% F
Debt to Equity Ratio 165.42% 17% F 21% F
Technical Ratios  
Short Ratio 0.40 96% A 83% B
Short Percent 0.07% 93% A 94% A
Beta 0.72 92% A- 74% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.