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Financials · AVAL

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

For fiscal 2025 (ended Dec 31, 2025), Grupo Aval Acciones y Valores S.A. reported COP 44.54T of revenue and COP 1.72T of net income. Figures are in COP, the currency of its SEC filings.

Revenue, FY2025
COP 44.54T
Revenue growth, YoY
-0.8%
Net income, FY2025
COP 1.72T
Net income growth, YoY
+69.6%
Net margin
3.9%
Free cash flow, FY2025
COP 6.78T
EPS, diluted, FY2025
COP 72.52
EPS growth, YoY
+69.6%
Cash
COP 19.35T
Total debt
COP 68.67T
Annual revenueCOP 44.54T
FY2016FY2025
Annual net incomeCOP 1.72T
FY2016FY2025
Annual free cash flowCOP 6.78T
FY2016FY2025

AVAL revenue and earnings growth

AVAL revenueFY2025COP 44.54T

FY YoY
-0.8%
5Y CAGR
+3.0%
10Y CAGR
+7.7%

AVAL revenue was COP 44.54T for fiscal 2025 (ended Dec 31, 2025), down 0.8% from fiscal 2024. Compound annual growth was +3.0% over 5 years and +7.7% over 10 years. It rose in 6 of the last 10 fiscal years.

AVAL net incomeFY2025COP 1.72T

FY YoY
+69.6%
5Y CAGR
-6.0%
10Y CAGR
-1.7%

AVAL net income was COP 1.72T for fiscal 2025 (ended Dec 31, 2025), up 69.6% from fiscal 2024. Compound annual growth was -6.0% over 5 years and -1.7% over 10 years. It rose in 6 of the last 10 fiscal years.

AVAL EPSFY2025COP 72.52

FY YoY
+69.6%
5Y CAGR
-7.2%

AVAL diluted EPS was COP 72.52 for fiscal 2025 (ended Dec 31, 2025), up 69.6% from fiscal 2024. Compound annual growth was -7.2% over 5 years.

AVAL free cash flowFY2025COP 6.78T

FY YoY
43x
5Y CAGR
-6.3%
10Y CAGR
-4.2%

AVAL free cash flow was COP 6.78T for fiscal 2025 (ended Dec 31, 2025), up about 43-fold from fiscal 2024. Compound annual growth was -6.3% over 5 years and -4.2% over 10 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
RevenueCOP 44.54TCOP 44.90TCOP 46.06TCOP 37.27TCOP 39.06TCOP 38.47TCOP 37.06TCOP 34.08TCOP 31.66TCOP 31.66T
Cost of revenue-----COP 4.77TCOP 5.04TCOP 3.81TCOP 3.41TCOP 4.28T
Gross profitCOP 2.09TCOP 2.48TCOP 3.22TCOP 4.55TCOP 3.10TCOP 2.82TCOP 2.37TCOP 2.64TCOP 757.02BCOP 27.38T
Selling, general and adminCOP 913.61BCOP 940.82BCOP 989.31BCOP 843.13BCOP 647.42BCOP 487.53BCOP 659.26BCOP 645.69BCOP 668.62BCOP 635.93B
Interest expenseCOP 18.05TCOP 20.04TCOP 21.76TCOP 11.66TCOP 4.66TCOP 5.80TCOP 8.27TCOP 7.48TCOP 8.23TCOP 8.39T
Pre-tax incomeCOP 4.62TCOP 3.11TCOP 3.42TCOP 6.27TCOP 6.36TCOP 4.84TCOP 7.45TCOP 7.33TCOP 4.92TCOP 5.57T
Income taxCOP 1.43TCOP 941.98BCOP 1.31TCOP 2.27TCOP 2.32TCOP 1.36TCOP 2.09TCOP 2.15TCOP 1.75TCOP 2.06T
Net incomeCOP 1.72TCOP 1.02TCOP 739.00BCOP 2.48TCOP 3.30TCOP 2.35TCOP 3.03TCOP 2.91TCOP 1.96TCOP 2.14T
EPS, basicCOP 72.52COP 42.75COP 31.12COP 107.29COP 148.01COP 105.45COP 136.19COP 130.73COP 88.08COP 96.04
EPS, dilutedCOP 72.52COP 42.75COP 31.12COP 107.29COP 148.01COP 105.45COP 136.19---
Diluted shares16.19B16.20B16.20B15.76B15.13B15.14B15.16B---

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalentsCOP 19.35TCOP 17.00TCOP 18.60TCOP 17.03TCOP 36.64TCOP 34.03TCOP 30.12TCOP 28.40TCOP 22.34TCOP 22.19T
GoodwillCOP 2.06TCOP 2.22TCOP 2.20TCOP 2.25TCOP 8.49TCOP 7.71TCOP 7.35TCOP 7.32TCOP 6.90TCOP 6.82T
Total assetsCOP 348.94TCOP 327.86TCOP 301.18TCOP 295.59TCOP 366.90TCOP 322.90TCOP 278.83TCOP 259.68TCOP 236.54TCOP 224.07T
Total debtCOP 68.67TCOP 72.82TCOP 65.54TCOP 72.12TCOP 73.28TCOP 58.62TCOP 54.84TCOP 51.21T--
Total liabilitiesCOP 314.19TCOP 294.70TCOP 269.66TCOP 264.77TCOP 327.43TCOP 287.46TCOP 245.48TCOP 230.12TCOP 210.67TCOP 199.41T
Shareholders' equityCOP 18.45TCOP 17.45TCOP 31.52TCOP 30.82TCOP 39.47TCOP 35.44TCOP 33.35TCOP 29.55TCOP 25.48TCOP 24.66T

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flowCOP 7.38TCOP 782.29BCOP 6.01T-COP 222.12BCOP 5.90TCOP 10.02TCOP 5.63TCOP 8.73TCOP 5.11TCOP 2.49T
Capital expendituresCOP 602.32BCOP 623.88BCOP 579.58BCOP 519.37BCOP 664.51BCOP 638.26BCOP 679.02BCOP 548.98BCOP 473.75BCOP 814.56B
Free cash flowCOP 6.78TCOP 158.41BCOP 5.43T-COP 741.49BCOP 5.24TCOP 9.38TCOP 4.96TCOP 8.18TCOP 4.63TCOP 1.67T
Investing cash flow-COP 1.43T-COP 3.14TCOP 1.84T-COP 13.01T-COP 6.60T-COP 7.59T-COP 3.06T-COP 3.05T-COP 3.61T-COP 952.87B
Financing cash flow-COP 2.66T-COP 1.36T-COP 3.54T-COP 8.57T-COP 1.35TCOP 404.45B-COP 895.99B-COP 997.56B-COP 1.45TCOP 66.86B
Dividends paidCOP 625.83BCOP 728.18BCOP 766.54BCOP 414.27BCOP 1.23TCOP 1.33TCOP 1.27TCOP 1.13TCOP 1.31TCOP 1.26T

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-0.8%-2.5%23.6%-4.6%1.6%3.8%8.7%7.7%-0.0%49.7%
Net income growth, YoY69.6%37.4%-70.2%-24.7%40.4%-22.6%4.2%48.4%-8.3%4.8%
EPS growth, YoY69.6%37.4%-71.0%-27.5%40.4%-22.6%----
Gross margin4.7%5.5%7.0%12.2%7.9%7.3%6.4%7.8%2.4%86.5%
Net margin3.9%2.3%1.6%6.7%8.4%6.1%8.2%8.5%6.2%6.8%
Free cash flow margin15.2%0.4%11.8%-2.0%13.4%24.4%13.4%24.0%14.6%5.3%
Return on equity9.3%5.8%2.3%8.1%8.4%6.6%9.1%9.9%7.7%8.7%
Return on assets0.5%0.3%0.2%0.8%0.9%0.7%1.1%1.1%0.8%1.0%
Debt to equity3.724.172.082.341.861.651.641.73--

Source: XBRL data Grupo Aval Acciones y Valores S.A. files with the SEC, latest filing dated Apr 17, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

AVAL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
AVALCOP 44.54T-0.8%COP 1.72T3.9%$5.15B
RYC$66.61B+16.1%C$20.36B30.6%$282.66B
MUFG¥11.87T+9.5%¥1.73T14.6%$257.53B
TDC$67.78B+18.4%C$20.54B30.3%$202.90B
SAN€55.32B-1.5%€14.10B25.5%$180.35B
SMFG¥4.35T+13.6%¥1.14T26.1%$154.95B
BBVA--€10.51B-$149.88B
HDB₹2.50T+5.2%₹704.79B28.2%$132.41B

AVAL FAQ

9 questions
  • What is AVAL revenue?
    Grupo Aval Acciones y Valores S.A. (AVAL) reported COP 44.54T of revenue for fiscal 2025 (ended Dec 31, 2025). That is down 0.8% from the year before.
  • Is AVAL profitable?
    Yes. Grupo Aval Acciones y Valores S.A. earned COP 1.72T in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 3.9%.
  • How much cash and debt does AVAL have?
    Grupo Aval Acciones y Valores S.A. reported COP 19.35T in cash and cash equivalents and COP 68.67T of debt on its most recent balance sheet in SEC filings.
  • How fast is AVAL revenue growing?
    Grupo Aval Acciones y Valores S.A.'s revenue changed -0.8% in fiscal 2025, to COP 44.54T. Its compound annual growth rate was +3.0% over 5 years and +7.7% over 10 years.
  • What is AVAL gross margin?
    Grupo Aval Acciones y Valores S.A.'s gross profit was COP 2.09T on COP 44.54T of revenue for fiscal 2025 (ended Dec 31, 2025), a gross margin of 4.7%.
  • What is AVAL free cash flow?
    Grupo Aval Acciones y Valores S.A. generated COP 6.78T of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of COP 7.38T less capital expenditures.
  • What is AVAL earnings per share?
    Diluted earnings per share were COP 72.52 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did AVAL last report financial results?
    The latest statements here come from Grupo Aval Acciones y Valores S.A.'s 20-F filed on Apr 17, 2026, covering the period ended Dec 31, 2025.
  • Where does this AVAL financial data come from?
    Quantisnow builds these statements from the structured XBRL data Grupo Aval Acciones y Valores S.A. files with the SEC. It is provided for information only and is not investment advice.