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Market Price

6.55 

0.09 1.4%

as of Aug 19 '19

52 Week Range:

4.99 7.50


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. The company's deposit products and services include checking accounts, savings accounts, and time deposits, as well as other deposits consisting of deposits from correspondent banks, cashier checks, and collection services. It also provides loan products, such as commercial loans that comprise general purpose loans, working capital loans, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans comprising personal loans, automobile and other vehicle loans, credit cards, overdrafts, loans funded by development banks, and general purpose loans; microcredit loans; and mortgage loans. In addition, the company offers pension and severance fund management services; and trust, bonded warehousing and brokerage transactions, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, bancassurance, and payment and collection services, as well as engages in deposit and lending operations in foreign currencies. Further, it is involved in merchant and investment banking activities; trading activities that include fixed income trading, and derivatives and foreign exchange operations, as well as the provision of treasury, pension plan administration, investment fund advice, financial advisory, leasing, private banking, and insurance services. As of December 31, 2018, the company operated through a network of 1,382 branches and 3,508 ATMs in Colombia; and 742 branches, 2.062 ATMs, and 8,646 other points of service in Central America. Grupo Aval Acciones y Valores S.A. was founded in 1994 and is based in Bogotá, Colombia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 2.85
3.47
4.34
4.01
4.00
growth rate 21.8% 25.1% -7.6% -0.3%
Earnings BIT 2,617.00
2,250.40
2,716.20
2,444.00
growth rate -14.0% 20.7% -10.0%
Avg.PE 10.59
11.54
11.48
8.83
growth rate 9.0% -0.5% -23.1%
ROA 1.50
1.14
1.24
1.28
1.13
1.00
1.04
0.67
0.58
0.80
growth rate -24.0% 8.8% 3.2% -11.7% -11.5% 4.0% -35.6% -13.4% 37.9%
ROE 26.08
22.15
20.32
17.71
16.55
13.16
13.77
9.72
8.41
11.64
growth rate -15.1% -8.3% -12.8% -6.6% -20.5% 4.6% -29.4% -13.5% 38.4%
Leverage 17.38
21.15
13.67
14.05
15.18
11.77
14.87
14.36
14.52
14.60
growth rate 21.7% -35.4% 2.8% 8.0% -22.5% 26.3% -3.4% 1.1% 0.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 642,800.00
1,791,369.00
2,604,054.00
3,042,021.00
3,362,333.00
3,291,227.00
growth rate 178.7% 45.4% 16.8% 10.5% -2.1%
Acct.Payable 101,787,626.00
114,327,808.00
137,404,302.00
145,259,169.00
156,703,327.00
166,206,282.00
growth rate 12.3% 20.2% 5.7% 7.9% 6.1%
Cur.Assets 26,910,881.00
25,787,748.00
31,819,720.00
44,669,846.00
42,573,949.00
44,023,506.00
growth rate -4.2% 23.4% 40.4% -4.7% 3.4%
Total Assets 154,287,391.00
178,842,174.00
216,679,264.00
224,296,316.00
236,641,700.00
259,675,153.00
growth rate 15.9% 21.2% 3.5% 5.5% 9.7%
Cash 8,374,228.00
10,727,800.00
15,113,313.00
15,038,413.00
14,288,835.00
19,855,631.00
growth rate 28.1% 40.9% -0.5% -5.0% 39.0%
Inventory 109,237.00
111,716.00
127,462.00
178,017.00
77,250.00
141,924.00
growth rate 2.3% 14.1% 39.7% -56.6% 83.7%
Cur.Liabilities 110,705,938.00
132,840,621.00
152,082,781.00
156,380,020.00
166,769,108.00
180,982,581.00
growth rate 20.0% 14.5% 2.8% 6.6% 8.5%
Liabilities 136,086,930.00
157,486,210.00
193,772,984.00
199,393,637.00
210,663,450.00
230,120,805.00
growth rate 15.7% 23.0% 2.9% 5.7% 9.2%
LT Debt 23,133,802.00
21,692,025.00
37,824,388.00
39,259,643.00
39,114,183.00
42,586,341.00
growth rate -6.2% 74.4% 3.8% -0.4% 8.9%
Equity 11,728,219.00
13,668,021.00
14,567,621.00
15,634,067.00
16,232,421.00
17,789,709.00
growth rate 16.5% 6.6% 7.3% 3.8% 9.6%
Common Shares 697.00
815.00
928.00
930.00
770.00
765.00
763.00
761.00
758.00
growth rate 16.9% 13.9% 0.2% -17.2% -0.7% -0.3% -0.3% -0.4%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 833,175.00
783,392.00
955,719.00
824,698.00
502,813.00
569,884.00
growth rate -6.0% 22.0% -13.7% -39.0% 13.3%
Cash Dividends 925,730.00
1,161,170.00
1,276,544.00
1,310,124.00
1,307,525.00
1,128,535.00
growth rate 25.4% 9.9% 2.6% -0.2% -13.7%
Cash From OA 6,948,100.00
-5,133,274.00
2,761,847.00
-7,410,724.00
-5,885,081.00
4,766,180.00
growth rate -100.0% 100.0% -100.0% 0.0% 100.0%
FCF per Share 1.38
3.37
2.39
0.22
0.89
growth rate 144.2% -29.1% -90.8% 304.6%
Sale Purchase of Stock 2,114,477.00
2,722,314.00
33.00
690.20
212.60
growth rate 28.8% -100.0% 1,991.5% -69.2%
FCF 1,289,045.00
-924,313.00
2,042,848.00
3,928,345.00
4,424,358.00
6,114,925.00
12,808,819.00
8,343,812.00
872,302.00
3,754,898.00
7,328,154.00
growth rate -100.0% 100.0% 92.3% 12.6% 38.2% 109.5% -34.9% -89.6% 330.5% 95.2%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 9,855,047.00
11,044,883.00
12,833,771.00
14,193,466.00
14,321,551.00
16,705,174.00
growth rate 12.1% 16.2% 10.6% 0.9% 16.6%
Op.Income 4,181,794.00
5,065,415.00
5,574,617.00
5,989,024.00
5,778,515.00
7,845,952.00
growth rate 21.1% 10.1% 7.4% -3.5% 35.8%
IBT 4,026,569.00
4,805,779.00
5,224,656.00
5,950,386.00
5,332,765.00
7,334,141.00
growth rate 19.4% 8.7% 13.9% -10.4% 37.5%
Net Income 1,600,503.00
1,815,016.00
2,041,364.00
2,364,601.00
2,169,839.00
2,912,694.00
growth rate 13.4% 12.5% 15.8% -8.2% 34.2%
EPS 1,372.42
1,583.68
1,645.56
1,720.28
1,737.08
1,832.38
1,920.80
1,761.52
2,614.50
growth rate 15.4% 3.9% 4.5% 1.0% 5.5% 4.8% -8.3% 48.4%
Gross Profit 9,633,813.00
11,044,883.00
12,833,771.00
13,881,263.00
13,929,280.00
16,326,741.00
growth rate 14.7% 16.2% 8.2% 0.4% 17.2%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 5,300,711.00
5,261,431.00
5,902,177.00
3,291,227.00
8,002,209.00
growth rate -0.7% 12.2% -44.2% 143.1%
Acct.Payable 153,118,157.00
153,544,930.00
154,954,242.00
166,206,282.00
164,581,714.00
growth rate 0.3% 0.9% 7.3% -1.0%
Cur.Assets 52,556,755.00
51,726,997.00
56,961,170.00
44,023,506.00
42,062,585.00
growth rate -1.6% 10.1% -22.7% -4.5%
Total Assets 232,279,021.00
234,547,350.00
241,487,000.00
259,675,153.00
258,262,973.00
growth rate 1.0% 3.0% 7.5% -0.5%
Cash 21,687,695.00
21,175,165.00
24,396,818.00
19,855,631.00
26,918,514.00
growth rate -2.4% 15.2% -18.6% 35.6%
Inventory 141,924.00
growth rate
Cur.Liabilities 167,888,631.00
167,487,250.00
170,536,118.00
180,982,581.00
181,704,727.00
growth rate -0.2% 1.8% 6.1% 0.4%
Liabilities 208,171,283.00
209,277,439.00
213,580,789.00
230,120,805.00
229,224,488.00
growth rate 0.5% 2.1% 7.7% -0.4%
LT Debt 37,183,706.00
38,740,540.00
39,546,305.00
42,586,341.00
39,849,418.00
growth rate 4.2% 2.1% 7.7% -6.4%
Equity 14,944,862.00
15,830,533.00
16,881,869.00
17,789,709.00
17,334,882.00
growth rate 5.9% 6.6% 5.4% -2.6%
Common Shares 22,281.00
22,281.00
22,281.00
22,281.00
22,281.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 120,972.00
134,809.00
138,646.00
175,457.00
140,010.00
growth rate 11.4% 2.9% 26.6% -20.2%
Cash Dividends 326,800.00
267,084.00
265,644.00
269,007.00
263,543.00
growth rate -18.3% -0.5% 1.3% -2.0%
Cash From OA 3,185,529.00
2,222,280.00
6,117,394.00
-6,759,023.00
1,900,260.00
growth rate -30.2% 175.3% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 3,064,557.00
2,087,471.00
5,978,748.00
-6,934,480.00
1,760,250.00
growth rate -31.9% 186.4% -100.0% 100.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 3,590,006.00
3,843,957.00
4,432,392.00
4,838,820.00
4,271,542.00
growth rate 7.1% 15.3% 9.2% -11.7%
Op.Income 1,539,323.00
1,715,132.00
2,331,338.00
2,260,160.00
2,139,694.00
growth rate 11.4% 35.9% -3.1% -5.3%
IBT 1,421,471.00
1,593,962.00
2,203,984.00
2,114,724.00
1,991,216.00
growth rate 12.1% 38.3% -4.1% -5.8%
Net Income 597,745.00
681,515.00
782,712.00
850,721.00
762,862.00
growth rate 14.0% 14.9% 8.7% -10.3%
Gross Profit 3,590,006.00
3,843,957.00
4,432,392.00
4,460,387.00
4,271,542.00
growth rate 7.1% 15.3% 0.6% -4.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (61.97)

YOY Growth Grade:

D (40.50)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.50 8.62
EPS / Growth 0.76

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.7% 7.7% 7.7%
Future PE 0.01 7.99 7.99
Future EPS 1.60 1.60 1.60
Value Price
MOS %
0.00
-99.9%
3.16
-51.7%
3.16
-51.7%
MOS Price 0.00 1.58 1.58
IRT 6.46 6.46 6.46

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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