Grupo Aval (AVAL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Grupo Aval stock (AVAL) is currently trading at $4.20. Grupo Aval PE ratio is 11.05. Grupo Aval PS ratio (Price-to-Sales) is 1.06. Analyst consensus price target for AVAL is $4.00. WallStSmart rates AVAL as Underperform.
- AVAL PE ratio analysis and historical PE chart
- AVAL PS ratio (Price-to-Sales) history and trend
- AVAL intrinsic value — DCF, Graham Number, EPV models
- AVAL stock price prediction 2025 2026 2027 2028 2029 2030
- AVAL fair value vs current price
- AVAL insider transactions and insider buying
- Is AVAL undervalued or overvalued?
- Grupo Aval financial analysis — revenue, earnings, cash flow
- AVAL Piotroski F-Score and Altman Z-Score
- AVAL analyst price target and Smart Rating
Grupo Aval
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AVAL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Grupo Aval (AVAL)
AVAL trades at a significant discount to its Graham intrinsic value of $16.20, offering a 72% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Grupo Aval (AVAL) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, eps growth. Concerns around return on equity and institutional own.. Mixed signals suggest waiting for clearer direction before acting.
Grupo Aval (AVAL) Key Strengths (4)
Paying $1.06 for every $1 of annual revenue
Trading at 1.00x book value, attractively priced
Strong earnings growth at 22.40% per year
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Grupo Aval (AVAL) Areas to Watch (4)
Very low institutional interest at 1.20%
Low profitability relative to shareholder equity
Solid revenue growth at 18.80% per year
Decent profitability, keeps $13 per $100 revenue
Supporting Valuation Data
Grupo Aval (AVAL) Detailed Analysis Report
Overall Assessment
This company scores 50/100 in our Smart Analysis, earning a D+ grade. Out of 8 metrics analyzed, 4 register as strengths (avg 7.8/10) while 4 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, EPS Growth. Valuation metrics including Price/Sales (1.06), Price/Book (1.00) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 22.40%.
The Bear Case
The primary concerns are Institutional Own., Return on Equity, Revenue Growth. Growth concerns include Revenue Growth at 18.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.39%, Profit Margin at 12.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.39% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 18.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (Institutional Own., Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AVAL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AVAL's Price-to-Sales ratio of 1.06x trades 1411% above its historical average of 0.07x (97th percentile), historically expensive. The current valuation is 3% below its historical high of 1.09x set in Mar 2026, and Infinity% above its historical low of 0x in Dec 2015.
WallStSmart Analysis Synopsis
Data-driven financial summary for Grupo Aval (AVAL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Grupo Aval is a strong growth company balancing expansion with improving profitability. Revenue reached 13.4T with 19% growth year-over-year. Profit margins of 12.9% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 939.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 1.3T in free cash flow and 1.4T in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Grupo Aval push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 3.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Grupo Aval.
Bottom Line
Grupo Aval offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Grupo Aval(AVAL)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Grupo Aval Actions y Valores SA offers a range of financial services and products to public and private sector clients in Colombia and Central America. The company is headquartered in Bogot, Colombia.