
Grupo Aval Acciones y Valores S.A.
Financial ServicesNYSE:AVAL · New York Stock Exchange
+$0.17 today
Vol 0.60M · Avg 0.23M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$39.9T of revenue converted into $1.7T of net income for the selected period. Gross margin is 41.6% and net margin is 4.3%, showing how much revenue survives after costs and taxes. EPS is $1425.40, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $42.3T +14.5% | $37.0T -3.8% | $38.4T +37.6% | $27.9T +35.2% | $20.7T | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $20.8T -19.0% | $25.7T -6.3% | $27.4T +85.2% | $14.8T +88.3% | $7.9T | $725.6M | $804.0M | $882.4M |
| Gross Profit | $21.5T +90.6% | $11.3T +2.3% | $11.1T -16.0% | $13.2T +2.7% | $12.8T | $8.9B | $7.6B | $6.2B |
| Gross Margin | 50.9% +20.3pp | 30.6% +1.8pp | 28.8% -18.3pp | 47.1% -14.9pp | 62.0% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $3.0T -31.0% | $4.4T +7.6% | $4.1T +9.5% | $3.7T +8.1% | $3.4T | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $17.7T +116.6% | $8.2T +7.9% | $7.6T +9.9% | $6.9T +6.7% | $6.5T | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $0 -100.0% | $1.3T +10.7% | $1.2T +5.6% | $1.1T -24.6% | $1.4T | $374.2M | $1.2B | $631.8M |
| EBITDA | $3.9T -12.5% | $4.4T -4.9% | $4.6T -37.0% | $7.4T -5.7% | $7.8T | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 9.1% -2.8pp | 11.9% -0.1pp | 12.1% -14.3pp | 26.4% -11.4pp | 37.8% | 5.6% | 46.3% | 42.0% |
| Operating Income | $3.9T +23.0% | $3.1T -10.0% | $3.5T -44.4% | $6.3T -1.4% | $6.4T | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 9.1% +0.6pp | 8.5% -0.6pp | 9.1% -13.4pp | 22.5% -8.3pp | 30.8% | 16.6% | 24.1% | 22.0% |
| Interest Income | $23.9T -15.1% | $28.2T -2.6% | $28.9T +49.0% | $19.4T +51.7% | $12.8T | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $16.8T -19.6% | $20.9T -7.6% | $22.6T +94.0% | $11.7T +150.3% | $4.7T | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $3.9T +23.0% | $3.1T -10.0% | $3.5T -44.4% | $6.3T -1.4% | $6.4T | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 9.1% +0.6pp | 8.5% -0.6pp | 9.1% -13.4pp | 22.5% -8.3pp | 30.8% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $1.3T +41.0% | $946.4B -27.8% | $1.3T -42.3% | $2.3T -2.2% | $2.3T | $1.3B | -$1.6B | $745.2M |
| Net Income | $1.6T +58.0% | $1.0T +37.4% | $739.0B -70.2% | $2.5T -24.7% | $3.3T | $4.9B | $4.8B | $4.7B |
| Net Margin | 3.8% +1.0pp | 2.7% +0.8pp | 1.9% -7.0pp | 8.9% -7.1pp | 16.0% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $1.4K +57.8% | $856 +37.5% | $622 -61.9% | $1.6K -16.5% | $2.0K | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $1.4K +57.8% | $856 +37.5% | $622 -61.9% | $1.6K -16.5% | $2.0K | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $1.2B +0.0% | $1.2B +0.0% | $1.2B +2.6% | $1.2B +3.9% | $1.1B | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $1.2B +0.0% | $1.2B +0.0% | $1.2B +2.6% | $1.2B +3.9% | $1.1B | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector

F.N.B. Corporation
NYSE:FNB
$6.64B

Glacier Bancorp, Inc.
NYSE:GBCI
$6.50B

Intercorp Financial Services Inc.
NYSE:IFS
$6.31B

United Bankshares, Inc.
NASDAQ:UBSI
$6.29B

Ameris Bancorp
NYSE:ABCB
$5.99B

Hancock Whitney Corporation
NASDAQ:HWC
$5.88B

Atlantic Union Bankshares Corporation
NYSE:AUB
$5.77B

Home Bancshares, Inc.
NYSE:HOMB
$5.69B

Bank OZK
NASDAQ:OZK
$5.69B

Axos Financial, Inc.
NYSE:AX
$5.14B
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does AVAL generate?
Grupo Aval Acciones y Valores S.A. (AVAL) reported $42.33T of revenue in fiscal 2025.
Is AVAL profitable?
Grupo Aval Acciones y Valores S.A. (AVAL) reported $1.60T of net income, with a net margin of 3.8%.
Explore More
Continue the stock analysis
Jump to another research area for this company.