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AVAL vs V

AVAL
Grupo Aval Acciones y Valores S.A.
BEARISH
Price
$4.68
Market Cap
$5.58B
Sector
Financial Services
AI Confidence
78%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
AVAL
12.65
V
28.35
Forward P/E
AVAL
9.82
V
20.79
P/B Ratio
AVAL
0.01
V
15.09
P/S Ratio
AVAL
--
V
14.08
EV/EBITDA
AVAL
--
V
20.06

Profitability

Gross Margin
AVAL
0.0%
V
97.78%
Operating Margin
AVAL
0.0%
V
68.3%
Profit Margin
AVAL
12.35%
V
50.23%
ROE
AVAL
9.25%
V
53.95%
ROA
AVAL
0.94%
V
18.36%

Growth

Revenue Growth
AVAL
12.1%
V
14.6%
Earnings Growth
AVAL
25.3%
V
17.4%

Financial Health

Debt/Equity
AVAL
--
V
0.55
Current Ratio
AVAL
--
V
1.11
Quick Ratio
AVAL
--
V
0.72

Dividends

Dividend Yield
AVAL
2.94%
V
0.89%
Payout Ratio
AVAL
37.68%
V
22.91%

AI Verdict

AVAL BEARISH

The Advanced Deterministic Scorecard reveals a critically weak financial health profile with a Piotroski F-Score of just 0/9, indicating severe deterioration in fundamental performance. Despite strong recent price momentum and solid earnings growth, the company exhibits alarming profitability distortions—operating and gross margins are 0.00%, while the Price/Book ratio of 0.01 suggests either a deep-value opportunity or potential accounting irregularities. Revenue and earnings growth are impressive, but inconsistent earnings surprises and a lack of transparency in balance sheet metrics (missing debt, cash, and Altman Z-Score) undermine confidence. The stock trades above the conservative Graham Number of $80.35, but this appears to be a data error given the current price of $4.68, suggesting possible misreporting or unit discrepancy.

Strengths
Strong year-over-year earnings growth of 25.30% and 50.0% YoY EPS growth indicate robust profitability expansion.
Attractive dividend yield of 2.94% with a sustainable payout ratio of 37.68%.
Significant recent price appreciation: +108.0% over 1 year and +123.2% over 3 years, reflecting strong investor sentiment.
Risks
Piotroski F-Score of 0/9 signals extreme financial distress and deteriorating operational fundamentals.
Operating and gross margins reported as 0.00% are highly abnormal for a regional bank, raising red flags about revenue recognition or cost structure.
Price/Book ratio of 0.01 is implausibly low, indicating either severe asset overstatement or data integrity issues.
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

AVAL vs V: Head-to-Head Comparison

This page compares Grupo Aval Acciones y Valores S.A. (AVAL) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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