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Grupo Aval Acciones y Valores S.A. is a Colombia-based company operating in the financial sector within the banking, financial-services and investment-management industry.
It is one of the largest financial conglomerates in Latin America, controlling commercial banks, consumer-finance institutions, pension-fund administrators and investment and infrastructure businesses.
Founded in 1994 by Luis Carlos Sarmiento Angulo, the company emerged during a period of consolidation in the Colombian financial system, driven by regulatory modernization, increased demand for financial services and the need for scalable corporate structures.
Grupo Aval’s portfolio includes retail and corporate banking through Banco de Bogotá, Banco de Occidente, Banco Popular and Banco AV Villas, as well as investment-banking and infrastructure operations through Corficolombiana.
Its services encompass checking accounts, consumer loans, mortgages, credit cards, insurance distribution, asset management, fiduciary services, payments, foreign exchange, treasury, investment solutions and digital financial platforms.
The conglomerate also operates pension funds and regional financial services in Central America through BAC Credomatic. Grupo Aval supports millions of customers and maintains a diversified presence across both retail and institutional segments.
The company operates across Colombia and Central America, including Panama, El Salvador, Guatemala, Honduras and Costa Rica. Its organizational structure includes extensive branch networks, digital channels, risk-management divisions, technology centers, treasury units and corporate-banking teams.
Market factors influencing the company include interest-rate dynamics, inflation trends, regional economic cycles, regulatory frameworks across multiple jurisdictions, competition from fintechs, credit-risk profiles, foreign-exchange fluctuations, infrastructure investment demand and capital-market conditions.
Structural trends such as digital banking expansion, cybersecurity innovation and mobile financial inclusion shape long-term business strategies.
Grupo Aval’s shares trade on the New York Stock Exchange (NYSE) as American Depositary Receipts (ADRs) under the ticker AVAL.
History and when Grupo Aval Acciones y Valores S.A. was founded
Grupo Aval was established in 1994 as part of a strategy led by Luis Carlos Sarmiento Angulo to consolidate multiple financial institutions under a unified corporate framework.
The company initially integrated controlling interests in Colombian banks, creating a portfolio capable of achieving operational efficiencies, risk diversification and coordinated business expansion.
Throughout the 1990s, the company acquired major Colombian banks, including Banco de Occidente, Banco Popular and Banco AV Villas. These acquisitions aligned with regulatory and structural reforms in the Colombian financial sector, enabling Grupo Aval to expand its presence and reinforce its position as a leading national financial group.
During the 2000s, the company focused on technological development, modernization of banking platforms, enhancement of analytics and strengthening of corporate-governance practices.
A transformative milestone occurred in 2010 when Grupo Aval acquired BAC Credomatic, extending its footprint into Central America and creating one of the largest regional financial networks.
In 2014, the company completed its initial public offering (IPO) on the New York Stock Exchange, expanding its access to international capital markets and increasing visibility among global investors. The IPO marked one of the most significant listings by a Latin American financial institution in the U.S. market.
Between 2020 and 2024, Grupo Aval navigated macroeconomic volatility, changes in consumer credit behavior, acceleration of digital-banking adoption, competitive pressures from fintechs and evolving regulatory requirements.
During this period, the company advanced initiatives in digital transformation, risk management, data analytics, and SME-focused financial services. Additionally, Corficolombiana continued to expand its role in infrastructure and energy projects across Colombia.
By 2024, Grupo Aval had firmly established itself as a diversified financial conglomerate with significant regional presence and a comprehensive portfolio spanning traditional banking, digital finance, investment services and infrastructure development.
Additional Information
The Company Grupo Aval (United States), is listed on Nasdaq with a market value of $ 4.95 Billions, having an equity of $ 8.84 Billions.
The Company is listedthe in the sector of Others and categorized in industry of Others.
In the last 12 months the Company had a revenue of $ 6.97 Billions, which generated a profit in the amount of $ 572.14 Millions.
As for its main indicators, the Company has a P/E ratio of 8.65, a P/BV ratio of 0.56 and in the last 12 months the dividend yield of AVAL was at 2.88%.
The Company is traded internationally through the ticker AVAL.
