The historical rank and industry rank for Grupo Aval Acciones y Valores's Net Margin % or its related term are showing as below:
BOG:PFAVAL'
s Net Margin % Range Over the Past 10 Years
Min: 4.89 Med: 13.62 Max: 20.6
Current: 9.51
BOG:PFAVAL's Net Margin % is ranked worse than 88.34% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BOG:PFAVAL: 9.51
Grupo Aval Acciones y Valores (BOG:PFAVAL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Grupo Aval Acciones y Valores Net Margin % Related Terms
Grupo Aval Acciones y Valores Net Margin % 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.
For the Banks - Regional subindustry, Grupo Aval Acciones y Valores's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Aval Acciones y Valores's Net Margin % distribution charts can be found below:
* The bar in red indicates where Grupo Aval Acciones y Valores's Net Margin % 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 Net Margin % of 6.95% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Grupo Aval Acciones y Valores and its competitors. This is 49% below median its historical median of 13.62. Over the past decade, Grupo Aval Acciones y Valores' Net Margin % has ranged from 4.89 to 20.60. According to the industry distribution chart, Grupo Aval Acciones y Valores ranks #1349 out of 1527 companies in the Banks industry, placing it in the top 88.3%.
Is Grupo Aval Acciones y Valores' Net Margin % too high?
Grupo Aval Acciones y Valores' current Net Margin % of 6.95% is 49% below median its 10-year median of 13.62. Over the past 10 years, this metric has ranged from a low of 4.89 to a high of 20.60. The Banks industry median Net Margin % is 26.95. Grupo Aval Acciones y Valores' value of 6.95% is 74.2% below this industry median. Based on the distribution chart, Grupo Aval Acciones y Valores ranks #1349 out of 1527 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 4/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Aval Acciones y Valores' Net Margin % compare to PNC?
According to the Banks industry distribution chart, Grupo Aval Acciones y Valores ranks #1349 out of 1527 companies for Net Margin %. This places Grupo Aval Acciones y Valores in the lower half of its industry. The industry median Net Margin % is 26.95. Grupo Aval Acciones y Valores' value of 6.95% is 74.2% below this benchmark. Historically, Grupo Aval Acciones y Valores' own Net Margin % has ranged from 4.89 to 20.60 over the past decade. While the company's 10-year median is 13.62 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Aval Acciones y Valores's current Net Margin % of 6.95% is 74.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Grupo Aval Acciones y Valores and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Aval Acciones y Valores's current Net Margin % is 6.95%, which is 49% below median its own 10-year median of 13.62. 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 COP568.42, compared to a current price of COP907.00 — trading 59.6% above its estimated fair value. The current Net Margin % is 6.95%, which is 49% below median its 10-year median of 13.62 and 74.2% below the Banks industry median of 26.95. Grupo Aval Acciones y Valores' overall GF Score™ is 4/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Grupo Aval Acciones y Valores (BOG:PFAVAL), the current Net Margin % is 6.95% 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 COP907.00 is trading 59.6% above its estimated GF Value™ of COP568.42.
GuruFocus considers Grupo Aval Acciones y Valores to be Significantly Overvalued.
Key valuation signals for BOG:PFAVAL:
Net Margin %: 6.95% (49% below median its 10-year median of 13.62)
GF Value™: COP568.42 vs. price of COP907.00 (59.6% above fair value)
Industry Position: 74.2% below the Banks median (#1349 of 1527)
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.
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