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Grupo Aval Acciones y ValoresBOG:PFAVAL 12 Debt-to-Equity is 3.62 as of Mar. 2026, which is 14% above its 10-year median of 3.17. GuruFocus rates BOG:PFAVAL with a GF Score™ of 12/100 and a GF Value™ of COP576.22 (Significantly Overvalued). Among 1,421 Banks companies, Grupo Aval Acciones y Valores ranks worse than 94.51% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Grupo Aval Acciones y Valores's Debt-to-Equity or its related term are showing as below:
BOG:PFAVAL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.76 Med: 3.17 Max: 4.38
Current: 3.62
During the past 13 years, the highest Debt-to-Equity Ratio of Grupo Aval Acciones y Valores was 4.38. The lowest was 2.76. And the median was 3.17.
BOG:PFAVAL's Debt-to-Equity is ranked worse than 94.51% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs BOG:PFAVAL: 3.62
Grupo Aval Acciones y Valores (BOG:PFAVAL) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Grupo Aval Acciones y Valores Debt-to-Equity Related Terms
Grupo Aval Acciones y Valores Debt-to-Equity 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.
Grupo Aval Acciones y Valores Debt-to-Equity Chart
For the Banks - Regional subindustry, Grupo Aval Acciones y Valores's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Aval Acciones y Valores's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Grupo Aval Acciones y Valores's Debt-to-Equity 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 Debt-to-Equity of 3.62 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Grupo Aval Acciones y Valores and its competitors. This is 14% above median its historical median of 3.17. Over the past decade, Grupo Aval Acciones y Valores' Debt-to-Equity has ranged from 2.76 to 4.38. According to the industry distribution chart, Grupo Aval Acciones y Valores ranks #1343 out of 1421 companies in the Banks industry, placing it in the top 94.5%.
Is Grupo Aval Acciones y Valores' Debt-to-Equity too high?
Grupo Aval Acciones y Valores' current Debt-to-Equity of 3.62 is 14% above median its 10-year median of 3.17. Over the past 10 years, this metric has ranged from a low of 2.76 to a high of 4.38. The Banks industry median Debt-to-Equity is 0.56. Grupo Aval Acciones y Valores' value of 3.62 is 546.4% above this industry median. Based on the distribution chart, Grupo Aval Acciones y Valores ranks #1343 out of 1421 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 12/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Aval Acciones y Valores' Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Aval Acciones y Valores ranks #1343 out of 1421 companies for Debt-to-Equity. This places Grupo Aval Acciones y Valores in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Grupo Aval Acciones y Valores' value of 3.62 is 546.4% above this benchmark. Historically, Grupo Aval Acciones y Valores' own Debt-to-Equity has ranged from 2.76 to 4.38 over the past decade. While the company's 10-year median is 3.17 vs. the industry median of 0.56, Grupo Aval Acciones y Valores has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Aval Acciones y Valores's current Debt-to-Equity of 3.62 is 546.4% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Grupo Aval Acciones y Valores and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Aval Acciones y Valores's current Debt-to-Equity is 3.62, which is 14% above median its own 10-year median of 3.17. 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 COP576.22, compared to a current price of COP819.00 — trading 42.1% above its estimated fair value. The current Debt-to-Equity is 3.62, which is 14% above median its 10-year median of 3.17 and 546.4% above the Banks industry median of 0.56. Grupo Aval Acciones y Valores' overall GF Score™ is 12/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Grupo Aval Acciones y Valores (BOG:PFAVAL), the current Debt-to-Equity is 3.62 as of Mar. 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 COP819.00 is trading 42.1% above its estimated GF Value™ of COP576.22.
GuruFocus considers Grupo Aval Acciones y Valores to be Significantly Overvalued.
Key valuation signals for BOG:PFAVAL:
Debt-to-Equity: 3.62 (14% above median its 10-year median of 3.17)
GF Value™: COP576.22 vs. price of COP819.00 (42.1% above fair value)
Industry Position: 546.4% above the Banks median (#1343 of 1421)
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 Business Description
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.
12GF Score
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