Grupo Aval Acciones Y Valores S.A. (AVAL)

NYSE: AVAL · Commercial Banks, NEC · Bogota D.C., CO · filing with the SEC since 2011

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Grade3.5

◀ Past 4.9● Present 3.2▶ Future 1.8

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Grupo Aval Acciones Y Valores S.A.

Nine metrics read from its own filings, by tense

Headline grade

3.5/10

◀ Past4.940% of the headline

● Present3.235% of the headline

▶ Future1.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

Grupo Aval Acciones Y Valores S.A.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

4.9/10

What has it actually done, year after year?

+9.1% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 49th percentile among 22 sector filers · read for its customers

From the record

Grupo Aval Acciones Y Valores S.A.'s 10 filed years say what it did: revenue went from COP 21147 billion in fiscal 2015 to COP 46493 billion in fiscal 2024, up 9.1% a year; it rose in 6 of 9 years; the deepest fall was 5% from fiscal 2021 to fiscal 2022; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span9.1%top 43% of its family
the share of years revenue rosebottom 18% of its family
the share of filed years with a profittop 40% of its family
the deepest fall from a revenue peak4.6%top 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

3.4/10

How has it treated the people who own it?

Share count grew 2.3% a year. 29% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 34th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2024-12-31, Grupo Aval Acciones Y Valores S.A.'s diluted share count grew about 2.3% a year, and dividends and buybacks returned about 29% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 12% of its family
cash returned against operating cash flowtop 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.2/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

3.1/10

Is it financially healthy right now?

ROE 7%: 7¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.

weight 45% of this tense · 31st percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, Grupo Aval Acciones Y Valores S.A. earned about 7 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 1 cents per dollar of everything the company owns. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 37% of its family
return on equitybottom 11% of its family
gross profit against assetsbottom 10% of its family
the share count against the year beforebottom 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

2.0/10

How strong is its position in its industry?

bottom 20% of 21 in its family; net margin 4.7%.

weight 33% of this tense · 20th percentile among 21 sector filers · read for its customers

From the record

Grupo Aval Acciones Y Valores S.A.'s standing among 21 graded names in its industry family: revenue of COP 46493 billion in fiscal 2024 is not ranked by size, since the family reports in another currency; a net margin of 4.7% ranks in the bottom 2%; revenue growth of 6% a year over the last 3 filed years ranks in the bottom 39% (its annual reports).

What it rests on

net margin4.7%bottom 2% of its family
three-year revenue growth6.0%bottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Grupo Aval Acciones Y Valores S.A.'s leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

1.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

1.8/10

How much room does it have to grow?

bottom 18% of 19 in its family for room to expand.

weight 33% of this tense · 18th percentile among 19 sector filers · read for itself

From the record

Grupo Aval Acciones Y Valores S.A.'s room to grow, from the newest filed statements (fiscal 2024): cash of COP 16999 billion against debt of COP 72824 billion leaves -17% of its assets as net cash, bottom 5% of its family; cash from operations less capital spending is 0.3% of revenue (bottom 24%); a gross margin of 5.3% (bottom 25%) (its annual report).

What it rests on

cash less debt against assets-17.0%bottom 5% of its family
cash from operations less capital spending against revenue0.3%bottom 24% of its family
gross margin5.3%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

1.9/10

What could actually drive growth from here?

bottom 19% of 22 in its family for growth drivers.

weight 33% of this tense · 19th percentile among 22 sector filers · read for its customers

From the record

Grupo Aval Acciones Y Valores S.A.'s growth drivers, from the filed years to fiscal 2024: revenue grew 6% a year over the last three filed years against 9.1% over all 10, slowing (bottom 36% of its family); the newest year grew -2.4% (bottom 11%); capital spending grew -1.4% a year (bottom 9%) (its annual reports). Grupo Aval Acciones Y Valores S.A. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-3.2 points a yearbottom 36% of its family
the newest year's revenue growth-2.4%bottom 11% of its family
three-year growth of capital spending-1.4%bottom 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

1.8/10

Did its newest year beat what its own record pointed to?

bottom 18% of 20 in its family for expectations against reality.

weight 33% of this tense · 18th percentile among 20 sector filers · read for its shareholders

From the record

Grupo Aval Acciones Y Valores S.A.'s newest year against its own record: revenue of COP 46493 billion in fiscal 2024 came in 11.7% below the COP 52644 billion its prior three years' pace pointed to (bottom 29% of its family); net income of COP 2191 billion against a prior three-year average of COP 4238 billion (bottom 3%); a net margin of 4.7% against 10.7% before (bottom 23%) (its annual reports).

What it rests on

revenue against the prior three years' pace-11.7%bottom 29% of its family
net income against the prior three years' average-48%bottom 3% of its family
net margin against its prior average-6.0 pointsbottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AVAL · research, not advice