Grupo Aval Acciones y Valores (BOG:PFAVAL) Moat Score: 5/10 (As of Jul. 06, 2026)


BOG:PFAVAL Grupo Aval Acciones y Valores SA BOG:PFAVAL
16 GF Score
Price COP869.00
GF Value COP572.38
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Grupo Aval Acciones y Valores Moat Score?

Grupo Aval Acciones y Valores BOG:PFAVAL +0.93% 16 Moat Score is 5 as of Jul. 06, 2026. GuruFocus rates BOG:PFAVAL with a GF Score™ of 16/100 and a GF Value™ of COP572.38 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,612 Banks companies, Grupo Aval Acciones y Valores ranks better than 94.04% on this metric.

Grupo Aval Acciones y Valores has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Grupo Aval Acciones y Valores has Narrow Moat: Grupo Aval benefits from a solid narrow moat due to its strong market position in Colombia's financial sector, supported by regulatory barriers and customer loyalty. However, it faces competition and lacks significant pricing power or unique intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Grupo Aval Acciones y Valores might have Narrow Moat - Solid narrow moat.

Grupo Aval Acciones y Valores  (BOG:PFAVAL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Grupo Aval Acciones y Valores Moat Score Related Terms

BOG:PFAVAL vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Grupo Aval Acciones y Valores's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Grupo Aval Acciones y Valores's Moat Score distribution charts can be found below:

* The bar in red indicates where Grupo Aval Acciones y Valores's Moat Score falls into.


BOG:PFAVAL
16GF Score
Grupo Aval Acciones y Valores SA BOG:PFAVAL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Grupo Aval Acciones y Valores (BOG:PFAVAL) has a Moat Score of 5 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Grupo Aval Acciones y Valores ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is Grupo Aval Acciones y Valores' Moat Score too high?
Grupo Aval Acciones y Valores' current Moat Score is 5. Based on the distribution chart, Grupo Aval Acciones y Valores ranks #96 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Grupo Aval Acciones y Valores has a GF Score™ of 16/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Aval Acciones y Valores' Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Aval Acciones y Valores ranks #96 out of 1612 companies for Moat Score. This places Grupo Aval Acciones y Valores in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Grupo Aval Acciones y Valores's current Moat Score is 5. 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 COP572.38, compared to a current price of COP869.00 — trading 51.8% above its estimated fair value. The current Moat Score is 5. Grupo Aval Acciones y Valores' overall GF Score™ is 16/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Grupo Aval Acciones y Valores (BOG:PFAVAL), the current Moat Score is 5 as of Jul. 06, 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 COP869.00 is trading 51.8% above its estimated GF Value™ of COP572.38. GuruFocus considers Grupo Aval Acciones y Valores to be Significantly Overvalued.

Key valuation signals for BOG:PFAVAL:

  • Moat Score: 5
  • GF Value™: COP572.38 vs. price of COP869.00 (51.8% above fair value)
  • GF Score™: 16/100 with 4 warning signs

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

Address Carrera 13 No. 26A - 47, Bogota D.C., COL, 110311
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.
16GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

COP869.00
Price
COP572.38
GF Value