Grupo Aval Acciones y Valores SA is a Colombian financial services company. Its local operations consist of commercial banking (Banco de Bogota, Banco de Occidente, Banco Popular, and Banco AV Villas), pension fund management (Porvenir), and merchant banking (Corficolombiana). Outside Colombia, the company offers (via BAC Credomatic operations) consumer and credit card banking businesses in Central American countries (Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, and Panama) and Mexico. BAC Credomatic has key alliances with major credit card networks, such as Visa, MasterCard, American Express, and Diners Club.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.27
Equity-to-Asset	0.06
Debt-to-Equity	3.91
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.41	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-0.1
	3-Year EPS without NRI Growth Rate	-0.9
	3-Year FCF Growth Rate	-16.9
	3-Year Book Growth Rate	-8.6

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	43.93
	9-Day RSI	47.56
	14-Day RSI	48.77
	6-1 Month Momentum %	-1.68
	12-1 Month Momentum %	-3.31

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	8.16
	Dividend Payout Ratio	1.93
	3-Year Dividend Growth Rate	-15.7
	Forward Dividend Yield %	5.29
	5-Year Yield-on-Cost %	6.63
	3-Year Average Share Buyback Ratio	-2.1
	Shareholder Yield %	31.71

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	4.75
	FCF Margin %	32.63
	ROE %	4.49
	ROA %	0.25
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	27.47
	Shiller PE Ratio	3.79
	PS Ratio	0.7
	PB Ratio	0.65
	Price-to-Free-Cash-Flow	1.6
	Price-to-Operating-Cash-Flow	1.25
	EV-to-Revenue	5.27
	EV-to-FCF	15.7
	Price-to-Projected-FCF	0.14
	Price-to-Median-PS-Value	0.5
	FCF Yield %	41.42
	Forward Rate of Return (Yacktman) %	57.35

GF Value: $3.04

AVAL

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