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Grupo Aval Acciones y Valores S.A (AVAL) Fair Value & Analysis

Financial Services · US · Market cap $6.6B

Price$5.17
Fair Value$4.88
Upside-5.6%
Quality88/100
Evidence: Medium Range $3.66 – $6.10

Fair value as of: Jun 25, 2026

Analysis

Grupo Aval Acciones y Valores S.A (AVAL) currently trades at $5.17, while our model-based Fair Value estimate is $4.88 — implying the stock looks roughly 5.6% overvalued today. We read business quality at 88/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products in Colombia and Central America. The company offers traditional deposit services and products, including checking accounts, savings accounts, time deposits, and other deposits. It also provides commercial loans comprising general purpose loans, working capital loans, leases, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans, such as payroll loans, personal loans, automobile and other vehicle loans, credit cards, overdrafts, leases, and general-purpose loans; and microcredit and mortgage loans. In addition, the company offers pension and severance fund management services; investment banking services, including services relating to capital markets, mergers and acquisitions, and delivering financial consulting services; mobile and online banking services; and bancassurance, insurance, trust, bonded warehousing, real estate escrow, merchandise and document…

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Frequently asked questions

Is Grupo Aval Acciones y Valores S.A (AVAL) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $4.88 versus a price of $5.17 — about −6% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AVAL?
Our 21-model fair value for Grupo Aval Acciones y Valores S.A is $4.88 (as of Jun 25, 2026), built from audited fundamentals. The current price is $5.17.
What is the quality score of AVAL?
Grupo Aval Acciones y Valores S.A has a Quality Score of 88/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.