Grupo Aval Acciones y Valores S.A. ADR (Each representing 20 preferred shares) (AVAL)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I begin with what I know. Grupo Aval is a Colombian and Central American bank holding company; it takes deposits and makes commercial and consumer loans. In the latest reported quarter (2026-Q2), revenue was $4.9T and net income $577.5B, an 11.88% margin. FairStock calculations, tied to the 2026-10-13 close of $4.91, show a 10.05% return on equity, a 1.00% return on capital employed, a 4.04% dividend yield and a 12.92 P/E. The provided growth figures are 13.63% for revenue and 16.69% for profit, though no period is named. That suggests a decent, if not elite, banking franchise with modest growth and a low beta of 0.39. Regional scale across Colombia and Central America may provide a modest moat, but without net interest margin, funding costs and credit metrics I cannot judge it.

In plain English: Grupo Aval is a bank holding company that offers deposits, loans and other financial services in Colombia and Central America. It is profitable and grew in the latest reported quarter, but some quality checks look mixed and important banking details are missing. The shares look inexpensive compared with reported earnings and dividends, though that cheapness may not be reliable.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer