AVAL · CIK 0001504764

GRUPO AVAL ACCIONES Y VALORES S.A.

Annual figures as reported, FY2014–FY2024. Ratios and growth rates derived on-page.

Revenue

COP 46.49T

▼ −2.4% vs FY2023

Net income

COP 2.19T

▲ +0.7% vs FY2023

Free cash flow

COP 146.2B

▼ −97.3% vs FY2023

Diluted EPS

COP 42.75

▲ +37.4% vs FY2023

Revenue

Annual, as reported

Net income

Annual, as reported

Profitability & returns

quality of earnings

Margins

Share of revenue kept at each line

Gross marginNet margin

Returns on capital

Net income vs year-end equity and assets

Return on equityReturn on assets

Cash flow

cash generation

Free cash flow

Operating cash flow less capital expenditure

Operating cash flow

Net cash from operations

Shareholder returns

capital allocation

Capital returned

Cash paid out as dividends and share repurchases

Dividends paid

Diluted shares outstanding

Falling count means buybacks outpace dilution

Balance sheet

financial position

Stockholders’ equity

At fiscal year end

Net debt

Long-term debt less cash — negative means net cash

Growth rates

compounding, annualized

Revenue CAGR

+6.0%

+4.6%

Net income CAGR

−27.2%

−16.4%

Diluted EPS CAGR

−33.9%

−20.7%

Free cash flow CAGR

−69.7%

−50.6%

Share count change (split-adjusted)

+6.9%

Key ratios

derived per fiscal year

Fiscal year	Gross margin	Net margin	FCF margin	ROE	ROA	Debt / equity
FY2024	5.3%	4.7%	0.3%	6.6%	0.7%	2.20×
FY2023	6.8%	4.6%	11.4%	6.9%	0.7%	2.08×
FY2022	12.2%	13.1%	−2.0%	15.8%	1.6%	2.34×
FY2021	7.9%	14.5%	13.4%	14.4%	1.5%	1.86×
FY2020	7.3%	12.0%	24.4%	13.1%	1.4%	1.65×
FY2019	6.4%	14.5%	13.4%	16.1%	1.9%	1.64×
FY2018	7.8%	15.2%	24.0%	17.5%	2.0%	1.73×
FY2017	2.4%	10.0%	14.6%	12.4%	1.3%	—
FY2016	86.5%	11.1%	5.3%	14.3%	1.6%	—
FY2015	—	15.8%	49.3%	14.6%	—	—
FY2014	—	—	—	—	—	—

Annual figures

as reported

Fiscal year	Revenue	Gross profit	Op. income	Net income	Diluted EPS	Op. cash flow	Capex	Total assets	Liabilities	Equity	Cash	LT debt
FY2024	COP 46.49T	COP 2.48T	—	COP 2.19T	COP 42.75	COP 782.3B	COP 636.1B	COP 327.86T	COP 294.70T	COP 33.16T	COP 17.00T	COP 72.82T
FY2023	COP 47.66T	COP 3.22T	—	COP 2.18T	COP 31.12	COP 6.01T	COP 589.1B	COP 301.18T	COP 269.66T	COP 31.52T	COP 18.60T	COP 65.54T
FY2022	COP 37.27T	COP 4.55T	—	COP 4.87T	COP 107.29	−COP 222.1B	COP 519.4B	COP 295.59T	COP 264.77T	COP 30.82T	COP 17.03T	COP 72.12T
FY2021	COP 39.06T	COP 3.10T	—	COP 5.67T	COP 148.01	COP 5.90T	COP 664.5B	COP 366.90T	COP 327.43T	COP 39.47T	COP 36.64T	COP 73.28T
FY2020	COP 38.47T	COP 2.82T	—	COP 4.63T	COP 105.45	COP 10.02T	COP 638.3B	COP 322.90T	COP 287.46T	COP 35.44T	COP 34.03T	COP 58.62T
FY2019	COP 37.06T	COP 2.37T	—	COP 5.37T	COP 136.19	COP 5.63T	COP 679.0B	COP 278.83T	COP 245.48T	COP 33.35T	COP 30.12T	COP 54.84T
FY2018	COP 34.08T	COP 2.64T	—	COP 5.18T	COP 130.73	COP 8.73T	COP 549.0B	COP 259.68T	COP 230.12T	COP 29.55T	COP 28.40T	COP 51.21T
FY2017	COP 31.66T	COP 757.0B	—	COP 3.16T	COP 88.08	COP 5.11T	COP 473.8B	COP 236.54T	COP 210.67T	COP 25.48T	COP 22.34T	—
FY2016	COP 31.66T	COP 27.38T	—	COP 3.52T	COP 96.04	COP 2.49T	COP 814.6B	COP 224.07T	COP 199.41T	COP 24.66T	COP 22.19T	—
FY2015	COP 21.15T	—	—	COP 3.35T	COP 91.62	COP 11.35T	COP 920.5B	—	—	COP 22.91T	COP 22.28T	—
FY2014	—	—	—	—	—	—	—	—	—	COP 21.36T	COP 17.27T	—

Latest filings

the most recent regulatory filings

6-KForeign issuer report2026-07-02 ↗6-KForeign issuer report2026-07-01 ↗6-KForeign issuer report2026-06-15 ↗6-KForeign issuer report2026-06-10 ↗6-KForeign issuer report2026-06-02 ↗6-KForeign issuer report2026-05-26 ↗3Insider ownership filing2026-05-22 ↗6-KForeign issuer report2026-05-18 ↗6-KForeign issuer report2026-05-15 ↗6-KForeign issuer report2026-05-14 ↗

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Fiscal year

Gross margin

Net margin

FCF margin

ROE

ROA

Debt / equity

FY2024

5.3%

4.7%

0.3%

6.6%

0.7%

2.20×

FY2023

6.8%

4.6%

11.4%

6.9%

0.7%

2.08×

FY2022

12.2%

13.1%

−2.0%

15.8%

1.6%

2.34×

FY2021

7.9%

14.5%

13.4%

14.4%

1.5%

1.86×

FY2020

7.3%

12.0%

24.4%

13.1%

1.4%

1.65×

FY2019

6.4%

14.5%

13.4%

16.1%

1.9%

1.64×

FY2018

7.8%

15.2%

24.0%

17.5%

2.0%

1.73×

FY2017

2.4%

10.0%

14.6%

12.4%

1.3%

—

FY2016

86.5%

11.1%

5.3%

14.3%

1.6%

—

FY2015

—

15.8%

49.3%

14.6%

—

FY2014

—

Fiscal year

Revenue

Gross profit

Op. income

Net income

Diluted EPS

Op. cash flow

Capex

Total assets

Liabilities

Equity

Cash

LT debt

FY2024

COP 46.49T

COP 2.48T

—

COP 2.19T

COP 42.75

COP 782.3B

COP 636.1B

COP 327.86T

COP 294.70T

COP 33.16T

COP 17.00T

COP 72.82T

FY2023

COP 47.66T

COP 3.22T

—

COP 2.18T

COP 31.12

COP 6.01T

COP 589.1B

COP 301.18T

COP 269.66T

COP 31.52T

COP 18.60T

COP 65.54T

FY2022

COP 37.27T

COP 4.55T

—

COP 4.87T

COP 107.29

−COP 222.1B

COP 519.4B

COP 295.59T

COP 264.77T

COP 30.82T

COP 17.03T

COP 72.12T

FY2021

COP 39.06T

COP 3.10T

—

COP 5.67T

COP 148.01

COP 5.90T

COP 664.5B

COP 366.90T

COP 327.43T

COP 39.47T

COP 36.64T

COP 73.28T

FY2020

COP 38.47T

COP 2.82T

—

COP 4.63T

COP 105.45

COP 10.02T

COP 638.3B

COP 322.90T

COP 287.46T

COP 35.44T

COP 34.03T

COP 58.62T

FY2019

COP 37.06T

COP 2.37T

—

COP 5.37T

COP 136.19

COP 5.63T

COP 679.0B

COP 278.83T

COP 245.48T

COP 33.35T

COP 30.12T

COP 54.84T

FY2018

COP 34.08T

COP 2.64T

—

COP 5.18T

COP 130.73

COP 8.73T

COP 549.0B

COP 259.68T

COP 230.12T

COP 29.55T

COP 28.40T

COP 51.21T

FY2017

COP 31.66T

COP 757.0B

—

COP 3.16T

COP 88.08

COP 5.11T

COP 473.8B

COP 236.54T

COP 210.67T

COP 25.48T

COP 22.34T

—

FY2016

COP 31.66T

COP 27.38T

—

COP 3.52T

COP 96.04

COP 2.49T

COP 814.6B

COP 224.07T

COP 199.41T

COP 24.66T

COP 22.19T

—

FY2015

COP 21.15T

—

COP 3.35T

COP 91.62

COP 11.35T

COP 920.5B

—

COP 22.91T

COP 22.28T

—

FY2014

—

COP 21.36T

COP 17.27T

—