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

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 4.67

Change

+0.07 (+1.52)%

Market Cap

USD 5.12B

Volume

0.09M

Average Target Price

N/A
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 loans and mortgage loans. In addition, the company offers pension and severance fund management services; and bancassurance, trust, bonded warehousing and brokerage transactions, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, 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, pension plan administration, investment fund advice, financial advisory, leasing, private banking, and insurance services; and deposit and lending operations in foreign currencies. As of December 31, 2019, the company operated through a network of 1,341 branches, 3,535 ATMs, and 69 payment collection centers in Colombia; and 762 branches, 2,136 ATMs, and 8,860 other points of service in Central America. Grupo Aval Acciones y Valores S.A. was founded in 1994 and is based in Bogotá, Colombia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-09-28 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
USB-PH U.S. Bancorp

+0.23 (+0.99%)

USD95.30B 4.35 N/A
USB-PP U.S. Bancorp

+0.10 (+0.37%)

USD85.93B 5.99 N/A
USB-PO U.S. Bancorp

+0.03 (+0.10%)

USD84.34B 5.81 N/A
USB-PM U.S. Bancorp

+0.28 (+1.04%)

USD81.45B 6.19 N/A
HDB HDFC Bank Limited

-0.09 (-0.19%)

USD78.19B 23.55 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
USB U.S. Bancorp

+0.94 (+2.67%)

USD52.96B 10.92 N/A
PNC The PNC Financial Services Gro..

+3.23 (+3.08%)

USD44.53B 16.09 N/A
ITUB Itaú Unibanco Holding S.A

-0.08 (-1.96%)

USD38.81B 11.62 N/A
MFG Mizuho Financial Group, Inc

+0.05 (+1.88%)

USD33.44B 31.83 N/A

ETFs Containing AVAL

Symbol Name Weight Mer Price(Change) Market Cap

N/A

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 -46.44% 25% F 13% F
Dividend Return 2.37% 56% F 65% D
Total Return -44.08% 26% F 13% F
Trailing 12 Months  
Capital Gain -37.40% 37% F 17% F
Dividend Return 3.97% 69% D+ 73% C
Total Return -33.43% 38% F 17% F
Trailing 5 Years  
Capital Gain -39.03% 23% F 21% F
Dividend Return 17.89% 63% D 57% F
Total Return -21.14% 27% F 22% F
Average Annual (5 Year Horizon)  
Capital Gain -2.94% N/A N/A 26% F
Dividend Return 3.30% N/A N/A 72% C-
Total Return 0.36% N/A N/A 32% F
Risk Return Profile  
Volatility (Standard Deviation) 21.30% N/A N/A 36% F
Risk Adjusted Return 1.68% N/A N/A 30% F
Market Capitalization 5.12B 61% D- 78% 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%

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 8.05 68% D+ 80% B-
Price/Book Ratio 1.00 32% F 61% D-
Price / Cash Flow Ratio 0.00 91% A- 86% B
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.19% 92% A- 80% B-
Return on Invested Capital 7.37% 63% D 61% D-
Return on Assets 1.54% 94% A 41% F
Debt to Equity Ratio 276.33% 3% F 10% F
Technical Ratios  
Short Ratio 1.54 85% B 60% D-
Short Percent N/A N/A N/A N/A N/A
Beta 0.49 96% A 81% B-
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 Rating

Target Price Action Rating Action Analyst Rating Price Date

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:
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.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Higly 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 Dividend Growth

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