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MARKETS / NYSE / AVAL
NYSE · COMMERCIAL BANKS, NEC · MID CAP

Grupo Aval Acciones Y Valores S.a. AVAL

10 fiscal years on record · COP · FY2024 reported · SEC filings only
COP 46.5T
▼ 2.4% YoY
COP 1.0T
▲ 37.4% YoY
COP 146.2B
▼ 97.3% YoY
In brief

What this company does

Grupo Aval provides commercial banking services in the Colombian market through four commercial banks: Banco de Bogotá, Banco de Occidente, Banco Popular and Banco AV Villas. On a consolidated basis it manages Ps 348.9 trillion of on-balance sheet assets and Ps 469.5 trillion of off-balance sheet assets under management. Its banking subsidiaries operate 946 branches and 2,738 ATMs in Colombia. It manages its business through four main operating segments: Banking services, Pension and severance fund management, Merchant banking and the Holding company, which refers to the combined financial statements of Grupo Aval Acciones y Valores S.A. and Grupo Aval Ltd. Alongside core banking products, it provides bancassurance, insurance, trust and fiduciary services, investment banking, bonded warehousing and real estate escrow services. It also provides core banking products for enterprises and individuals in Panama through banking branches of Banco de Bogotá and Banco de Occidente. For the year ended December 31, 2025, 45.7% of the revenues of Porvenir, its pension and severance fund manager, were derived from mandatory pension funds, 23.3% from severance funds and 8.4% from voluntary pension funds. Corficolombiana, its merchant banking subsidiary, focuses on two lines of business: equity investments in strategic sectors of the Colombian economy, including infrastructure, energy and gas, agribusiness and hospitality, and treasury operations.

Written from the business description in Grupo Aval Acciones Y Valores S.A.'s annual report to the U.S. Securities and Exchange Commission, filed 17 April 2026. Every sentence was checked against that document before publication.

Growth
COP 46.49T
Revenue, FY2024 · full 10-year series below
Revenue COP T Net income COP T
FY2024 · Revenue 46.5 · Net income 1.0
20T40T2015201620172018201920202021202220232024
Compound annual growth
+6.0%
+4.6%
−32.5%
−19.7%
−33.9%
−20.7%
−16.1%
−10.5%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +4.6% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
5 cents
of every revenue dollar became profit
Operating margin Net margin
FY2024 · Net 4.7%
5%10%15%2015201620172018201920202021202220232024
ROE
FY2024 · ROE 5.9%
5%10%15%2015201620172018201920202021202220232024

Each COP of equity produced 6 cents of profit this year.

Cash & shareholders
COP 728.2B
returned in FY2024 · dividends + net buybacks
Free cash flow COP T
FY2024 · FCF 0.1
4T8T2015201620172018201920202021202220232024
Net buybacks COP T Dividends COP T
FY2024 · Dividends 0.7 · Net buybacks —
0.5T1.0T2015201620172018201920202021202220232024

COP 728.2B in dividends — 72% of the year's profit went back to shareholders.

Total assetsCOP 327.86T
EquityCOP 17.45T
CashCOP 17.00T
Gross debtCOP 72.82T
Net debtCOP 55.82T
DepositsCOP 200.87T

Net debt stands at 320% of equity.

The 10-year record
10 fiscal years
Every figure from documents filed with the SEC · COP
row low → row highnegative
Metric 2024202320222021202020192018201720162015
Revenue COP B46492.747658.237274.839064.538468.237055.234083.231659.931662.621147.4
Operating income COP B··········
EBITDA COP B··········
Income tax COP B946.41310.42271.42323.41360.12086.32149.61752.82056.91879.0
Net income COP B1015.1739.02482.93297.72349.53034.42912.71962.42139.92041.4
Free cash flow COP B146.25416.4−741.55237.19382.54956.08182.64634.61670.510434.5
EPS, diluted COP 42.7531.12107.29148.01105.45136.19····
Dividend / sh COP ··········
Payout %721041737574239675963
ROE %5.94.412.615.111.616.117.112.313.7·
Shares out B23.7423.7423.7422.2822.2822.2822.2822.2822.2822.28

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures · 4 divergences in 29 reconciliationsAUDITED

Reconciled in 6 of 19 fiscal years. 4 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. 46 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures4 divergent
ActivityCommercial Banks, NEC
Listed onNYSE
Incorporated innot stated in the filings
Fiscal year endsDecember 31
Data on record since2015

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