Grupo Aval Acciones y Valores SA

NYSE:AVALFinancial Services

$4.71−2.89%At closeAt close · Tue 20 Oct · ≈ AED 17.30 · Market cap $5.94B · Next earnings Thu 12 Nov

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	62.0%	47.1%	28.8%	30.6%	50.9%	—	—
Operating margin	56.2%	30.8%	22.5%	9.1%	8.5%	9.1%	9.1%	+0.0 pts
Net margin	21.0%	16.0%	8.9%	1.9%	2.7%	3.8%	3.8%	+0.0 pts
EBITDA margin	0.0%	37.8%	26.4%	12.1%	11.9%	9.1%	—	—
Return on equity	11.4%	14.3%	15.1%	4.4%	5.8%	8.7%	4.6%	−4.1 pts
Return on assets	0.7%	0.9%	0.8%	0.2%	0.3%	0.5%	0.5%	+0.0 pts
Return on capital employed	5.9%	5.0%	2.2%	3.0%	2.6%	1.1%	—	—
Debt / equity	2.9×	3.2×	4.4×	3.7×	4.1×	3.7×	2.0×	−46.9%
Debt / assets	18.4%	20.2%	24.4%	20.9%	21.8%	19.7%	—	—
Interest coverage	1.1×	1.4×	0.5×	0.2×	0.2×	0.2×	—	—
Current ratio	0.2×	0.2×	0.0×	0.4×	0.4×	—	—	—
Quick ratio	0.2×	0.2×	0.0×	0.4×	0.4×	—	—	—
Cash ratio	0.2×	0.1×	3.9×	0.1×	0.1×	—	—	—
Asset turnover	0.0×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	0.7×	1.0×	1.1×	1.4×	1.2×	—	—	—
Dividend payout	56.6%	37.3%	16.7%	103.7%	71.7%	36.3%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

ⓘ

Current snapshot ratios have no reporting date and are shown separately from fiscal periods.