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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Grupo Aval Acciones y Valores's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.32.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Grupo Aval Acciones y Valorescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Grupo Aval Acciones y Valores's Cash-to-Debt or its related term are showing as below:
BOG:PFAVAL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.22 Med: 0.48 Max: 0.61
Current: 0.32
During the past 13 years, Grupo Aval Acciones y Valores's highest Cash to Debt Ratio was 0.61. The lowest was 0.22. And the median was 0.48.
BOG:PFAVAL's Cash-to-Debt is ranked worse than 84.12% of 1486
companies
in the Banks industry
Industry Median: 1.41
vs BOG:PFAVAL: 0.32
Grupo Aval Acciones y Valores (BOG:PFAVAL) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Grupo Aval Acciones y Valores Cash-to-Debt Related Terms
Grupo Aval Acciones y Valores Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Grupo Aval Acciones y Valores's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Grupo Aval Acciones y Valores Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Aval Acciones y Valores's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Grupo Aval Acciones y Valores's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Grupo Aval Acciones y Valores (BOG:PFAVAL) has a Cash-to-Debt of 0.32 as of Jun. 2026. This is 33% below median its historical median of 0.48. Over the past decade, Grupo Aval Acciones y Valores' Cash-to-Debt has ranged from 0.22 to 0.61. According to the industry distribution chart, Grupo Aval Acciones y Valores ranks #1250 out of 1486 companies in the Banks industry, placing it in the top 84.1%.
Is Grupo Aval Acciones y Valores' Cash-to-Debt too high?
Grupo Aval Acciones y Valores' current Cash-to-Debt of 0.32 is 33% below median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.61. The Banks industry median Cash-to-Debt is 1.41. Grupo Aval Acciones y Valores' value of 0.32 is 77.3% below this industry median. Based on the distribution chart, Grupo Aval Acciones y Valores ranks #1250 out of 1486 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Aval Acciones y Valores has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Aval Acciones y Valores' Cash-to-Debt compare to USB and PNC?
According to the Banks industry distribution chart, Grupo Aval Acciones y Valores ranks #1250 out of 1486 companies for Cash-to-Debt. This places Grupo Aval Acciones y Valores in the lower half of its industry. The industry median Cash-to-Debt is 1.41. Grupo Aval Acciones y Valores' value of 0.32 is 77.3% below this benchmark. Historically, Grupo Aval Acciones y Valores' own Cash-to-Debt has ranged from 0.22 to 0.61 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.41, Grupo Aval Acciones y Valores has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.41, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Aval Acciones y Valores's current Cash-to-Debt of 0.32 is 77.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Aval Acciones y Valores's current Cash-to-Debt is 0.32, which is 33% below median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Aval Acciones y Valores stock overvalued right now?
Based on GuruFocus' analysis, Grupo Aval Acciones y Valores (BOG:PFAVAL) is currently considered Significantly Overvalued. The stock's GF Value™ is COP585.26, compared to a current price of COP840.00 — trading 43.5% above its estimated fair value. The current Cash-to-Debt is 0.32, which is 33% below median its 10-year median of 0.48 and 77.3% below the Banks industry median of 1.41. Grupo Aval Acciones y Valores' overall GF Score™ is 31/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Grupo Aval Acciones y Valores (BOG:PFAVAL), the current Cash-to-Debt is 0.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Grupo Aval Acciones y Valores (BOG:PFAVAL) Overvalued in 2026?
Based on GuruFocus' analysis, Grupo Aval Acciones y Valores stock appears to be overvalued.
The current stock price of COP840.00 is trading 43.5% above its estimated GF Value™ of COP585.26.
GuruFocus considers Grupo Aval Acciones y Valores to be Significantly Overvalued.
Key valuation signals for BOG:PFAVAL:
Cash-to-Debt: 0.32 (33% below median its 10-year median of 0.48)
GF Value™: COP585.26 vs. price of COP840.00 (43.5% above fair value)
Industry Position: 77.3% below the Banks median (#1250 of 1486)
No single metric tells the full story. See the BOG:PFAVAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Grupo Aval Acciones y Valores SA is a Colombian financial services company. Its segments include: Banking Services segment comprises Banking Services, fund management and trust businesses, storage companies and entities that manage low-value payment systems. Merchant Banking segment comprises Financial Sector (trust and brokerage), Gas and Energy Sector (includes natural gas and energy transportation and distribution businesses), Infrastructure Sector (includes road infrastructure projects, construction services, and operation and maintenance), Hotel Sector (includes hospitality services), Agribusiness Sector (includes palm oil, rubber and rice businesses). Pension and Severance Fund Management segment comprise administrator of pension and severance funds; and Holding segment.
31GF Score
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