# Grupo Aval Acciones y Valores S.A. (AVAL)

> Source: Nexqual · https://nexqual.com/AVAL · data as of 2026-10-23 14:41 UTC · cite as "Nexqual, Grupo Aval Acciones y Valores S.A. (AVAL), nexqual.com/AVAL" · informational, not investment advice.

**Price:** USD 4.74 (+0.42% today) · US market open, as of October 23, 2026 at 14:41 UTC; quotes may be delayed. Prev close 4.72 · day 4.71–4.74 · 52w 3.35–6.2 · market cap $5.63B · NYQ

## Key facts
- Analysts: Sell (mean 3.67 on a 1–5 scale) (3 analysts), mean target USD 5.1 (range 5–5.2).
- Total return with dividends: 1Y +23.4% vs S&P 500 +14.5%; 5Y +5.4% vs S&P 500 +77.2%.
- Next earnings: 2026-11-10, EPS estimate USD 0.16, revenue estimate $4.76T.

## Analysts
Consensus Sell (mean 3.67 on a 1–5 scale), 3 analysts; mean target USD 5.1 (low 5, high 5.2).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-16 | JP Morgan | Downgrade | Neutral → Underweight | $5.5 → $5 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +23.4% | +5.4% |
| S&P 500 (SPY) | +14.5% | +77.2% |
| Per year | +23.4% | +1.1% |
| Volatility (annualized) | 44.3% | 35.5% |
| Max drawdown | -32.3% (Jan 2026→Mar 2026) | -63.0% (Oct 2021→Mar 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.9 -1.39% · FITB (Fifth Third Bancorp) USD 52.55 -1.29% · DB (Deutsche Bank AG) USD 30.93 -1.75% · TFC (Truist Financial Corporation) USD 48 -0.87% · NWG (NatWest Group plc) USD 16.65 -2.00% · NU (Nu Holdings Ltd.) USD 14.67 -0.44%

## More
Full page: https://nexqual.com/AVAL · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in AVAL's own 20-F filed 2026-04-17 (https://www.sec.gov/Archives/edgar/data/1504764/000110465926044493/aval-20251231x20f.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Colombia | "A component of our strategy is to identify and pursue growth-enhancing strategic opportunities, such as acquisitions and alliances, inside and outside of Colombia." |
| Customer | Grupo Aval | "If the public image or reputation of any of the foregoing is damaged as a result of negative publicity or otherwise, business relationships with customers of Grupo Aval may deteriorate, which would adversely affect our r…" |
| Customer | Corficolombiana | "Our banks and, to a lesser extent, Corficolombiana, Porvenir and our international banking operations, enter into derivatives transactions primarily for hedging purposes and, on a limited basis, on behalf of customers." |
| Customer | Microsoft (MSFT) | "Early results include enhanced productivity through Microsoft 365 Copilot, improved customer experience, and new development capabilities supported by low code/no code platforms, all underpinned by a robust cybersecurity…" |
| Customer | Porvenir | "Our banks and, to a lesser extent, Corficolombiana, Porvenir and our international banking operations, enter into derivatives transactions primarily for hedging purposes and, on a limited basis, on behalf of customers." |
| Customer | Visa (V) | "We provide credit card services to our bank customers mainly through the Visa and MasterCard networks." |
| Customer | Occidente | "Mortgages portfolio: In Colombia, Banco de Bogotá, Banco de Occidente and Banco AV Villas are our main originators of loans to customers for the purchase of real estate secured by mortgages." |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.16 | $0.13 | +24.7% | $4.76T | 1 |
| Next quarter (ends 2026-12-31) | $0.16 | $0.13 | +25.5% | $5.20T | 1 |
| Current fiscal year (ends 2026-12-31) | $0.53 | $0.42 | +26.2% | $19.17T | 1 |
| Next fiscal year (ends 2027-12-31) | $0.64 | $0.56 | +14.2% | $21.44T | 1 |