Grupo Aval Acciones Y Valores S.A. is classed by the SEC under Commercial Banks, NEC (industry code 6029), based in Bogota D.C., CO. Its latest filed balance sheet shows total assets of $80 billion (its filed statements).
Lending businessCommercial Banks, NECBogota D.C., COfilings since 20118 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6029, Commercial Banks, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 3.5 out of ten, 8 of 9 metrics filed and 1 estimated: past 4.9 out of ten, present 3.2 out of ten, future 1.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 5.9 out of ten. No warning events in its filings since 2017. 59th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 4.9 out of ten. +9.1% a year over 10 filed years; profitable in 10 of 10. 49th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 3.6 out of ten. Share count grew 2.3% a year. 29% of cash flow returned. Insiders: 0 sales, 0 purchases. 36th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 3.1 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar. 31st percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 2.0 out of ten. bottom 20% of 21 in its family; net margin 4.7%. 20th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 15 of 100 (universe median). 50th percentile among 3814 sector filers. A CrossAssetData estimate, not a filed reading: universe median, confidence 15 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Room to expand (future): 1.8 out of ten. bottom 18% of 19 in its family for room to expand. 18th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 1.9 out of ten. bottom 19% of 22 in its family for growth drivers. 19th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 1.8 out of ten. bottom 18% of 20 in its family for expectations against reality. 18th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-04-17 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 6-K, 2026-10-01. Filings on record since 2011. Read from EDGAR 2026-10-12.
Who runs it
Gonzalez, Florez Maria Edith (Vice President of Accounting); Gutierrez, Botero Maria Lorena (President); Solano, Saravia Diego (Chief Financial Officer); Gonzalez, Piedra Miguel Angel (Chief of Internal Control); Castano, Gutierrez Jorge Alexander (Chief of Financial Assets and Efficiency); Duque, Suarez Eduardo (Chief Risk Officer); Duran, Fernandez Paula (Chief of Sustainability and Strategic Projects); Gutierrez, De Pineres Luna Ernesto Jose (Chief of Info. Technology); Rincon, Plata Jorge Adrian (Chief Legal Officer); Cardenas, Muller Mauricio (director); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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