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Banks · Financial Services · Fiscal year ends Dec 31 · Reports in COP
Grupo Aval Acciones Y Valores reported revenue of COP 44,541B in the fiscal year ended Dec 2025, down 0.8% from the year before. Operating income was COP 22,669B, an operating margin of 50.9%, and net income was COP 3,215B. Operating cash flow of COP 7,385B less capital expenditure of COP 602B left free cash flow of COP 6,783B. Net debt was COP 49,317B.
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 39,064,493 | 37,274,770 | 46,064,364 | 44,896,936 | 44,541,146 |
| Gross profit | 3,098,935 | 4,545,096 | 3,217,959 | 2,477,355 | 2,087,720 |
| Operating incomederived: pre-tax income + interest | 11,025,448 | 17,938,766 | 25,179,630 | 23,152,282 | 22,669,101 |
| Interest expense | 4,660,830 | 11,664,395 | 21,756,449 | 20,044,491 | 18,047,867 |
| Pre-tax income | 6,364,618 | 6,274,371 | 3,423,181 | 3,107,791 | 4,621,234 |
| Income tax | 2,323,428 | 2,271,404 | 1,309,073 | 941,978 | 1,432,708 |
| Net income | 5,668,502 | 4,869,133 | 2,177,116 | 2,191,477 | 3,215,172 |
| Diluted EPS | 148.01 | 107.29 | 31.12 | 42.75 | 72.52 |
| Diluted shares | 15,129 | 15,760 | 16,202 | 16,202 | 16,187 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 36,642,829 | 17,032,857 | 18,597,861 | 16,998,859 | 19,354,710 |
| Net PP&E | 9,100,553 | 7,235,441 | – | – | – |
| Goodwill | 8,486,560 | 2,248,217 | 2,202,222 | 2,223,608 | 2,057,116 |
| Total assets | 366,903,925 | 295,591,236 | 301,181,596 | 327,859,383 | 348,936,677 |
| Long-term debt | 73,282,326 | 72,116,775 | 65,541,339 | 72,823,775 | 68,671,586 |
| Total liabilities | 327,432,278 | 264,769,577 | 269,661,180 | 294,696,465 | 314,193,836 |
| Shareholders' equity | 23,013,653 | 16,466,970 | 16,782,672 | 17,451,257 | 18,445,905 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 5,901,630 | −222,124 | 6,005,501 | 782,289 | 7,384,970 |
| Capital expenditure | 664,506 | 519,368 | 579,583 | 623,876 | 602,321 |
| Free cash flow | 5,237,124 | −741,492 | 5,425,918 | 158,413 | 6,782,649 |
| Depreciation & amortisation | 606,867 | 645,746 | 630,688 | 674,201 | 770,448 |
| Dividends paid | 1,230,841 | 414,267 | 766,537 | 728,181 | 625,826 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | −4.6% | 23.6% | −2.5% | −0.8% |
| Operating income growth (YoY) | – | 62.7% | 40.4% | −8.1% | −2.1% |
| EPS growth (YoY) | – | −27.5% | −71.0% | 37.4% | 69.6% |
| Gross margin | 7.9% | 12.2% | 7.0% | 5.5% | 4.7% |
| Operating margin | 28.2% | 48.1% | 54.7% | 51.6% | 50.9% |
| Net margin | 14.5% | 13.1% | 4.7% | 4.9% | 7.2% |
| Return on equityBlank when equity is negative | 24.6% | 29.6% | 13.0% | 12.6% | 17.4% |
| Free cash flow margin | 13.4% | −2.0% | 11.8% | 0.4% | 15.2% |
| Cash conversion (CFO ÷ net income) | 1.04x | −0.05x | 2.76x | 0.36x | 2.30x |
| Interest cover | 2.37x | 1.54x | 1.16x | 1.16x | 1.26x |
| Debt ÷ equity | 3.18x | 4.38x | 3.91x | 4.17x | 3.72x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 36,639,497 | 55,083,918 | 46,943,478 | 55,824,916 | 49,316,876 |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.