AVAL vs. BAP: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AVAL and BAP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BAP’s market capitalization of 18.07 billion USD is significantly greater than AVAL’s 3.45 billion USD, highlighting its more substantial market valuation.
BAP carries a higher beta at 1.02, indicating it’s more sensitive to market moves, while AVAL (beta: 0.45) exhibits greater stability.
AVAL trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, BAP is a standard domestic listing.
| Symbol | AVAL | BAP |
|---|---|---|
| Company Name | Grupo Aval Acciones y Valores S.A. | Credicorp Ltd. |
| Country | CO | PE |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| CEO | Maria Lorena Gutierrez Botero | Gianfranco Piero Dario Ferrari de Las Casas |
| Price | 2.89 USD | 227.25 USD |
| Market Cap | 3.45 billion USD | 18.07 billion USD |
| Beta | 0.45 | 1.02 |
| Exchange | NYSE | NYSE |
| IPO Date | September 23, 2014 | October 25, 1995 |
| ADR | Yes | No |
Historical Performance
This chart compares the performance of AVAL and BAP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AVAL
7.35%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
AVAL’s Return on Equity of 7.35% is on par with the norm for the Banks - Regional industry, indicating its profitability relative to shareholder equity is typical for the sector.
BAP
16.95%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
In the upper quartile for the Banks - Regional industry, BAP’s Return on Equity of 16.95% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AVAL
2.13%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.
BAP
6.83%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.
Net Profit Margin
AVAL
6.65%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
Falling into the lower quartile for the Banks - Regional industry, AVAL’s Net Profit Margin of 6.65% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
BAP
23.61%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
A Net Profit Margin of 23.61% places BAP in the upper quartile for the Banks - Regional industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
AVAL
19.48%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
AVAL’s Operating Profit Margin of 19.48% is around the midpoint for the Banks - Regional industry, indicating that its efficiency in managing core business operations is typical for the sector.
BAP
37.62%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
An Operating Profit Margin of 37.62% places BAP in the upper quartile for the Banks - Regional industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AVAL | BAP |
|---|---|---|
| Return on Equity (TTM) | 7.35% | 16.95% |
| Return on Assets (TTM) | 0.38% | 2.27% |
| Return on Invested Capital (TTM) | 2.13% | 6.83% |
| Net Profit Margin (TTM) | 6.65% | 23.61% |
| Operating Profit Margin (TTM) | 19.48% | 37.62% |
| Gross Profit Margin (TTM) | 74.93% | 73.63% |
Financial Strength
Current Ratio
AVAL
0.38
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
BAP
0.51
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
AVAL
4.00
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
With a Debt-to-Equity Ratio of 4.00, AVAL operates with exceptionally high leverage compared to the Banks - Regional industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
BAP
0.99
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
BAP’s leverage is in the upper quartile of the Banks - Regional industry, with a Debt-to-Equity Ratio of 0.99. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AVAL
0.24
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
BAP
1.65
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
Financial Strength at a Glance
| Symbol | AVAL | BAP |
|---|---|---|
| Current Ratio (TTM) | 0.38 | 0.51 |
| Quick Ratio (TTM) | 0.38 | 0.51 |
| Debt-to-Equity Ratio (TTM) | 4.00 | 0.99 |
| Debt-to-Asset Ratio (TTM) | 0.21 | 0.14 |
| Net Debt-to-EBITDA Ratio (TTM) | 36.18 | -1.01 |
| Interest Coverage Ratio (TTM) | 0.24 | 1.65 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AVAL and BAP. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AVAL
5.35%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 5.35%, AVAL offers a more attractive income stream than most of its peers in the Banks - Regional industry, signaling a strong commitment to shareholder returns.
BAP
6.13%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 6.13%, BAP offers a more attractive income stream than most of its peers in the Banks - Regional industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AVAL
37.46%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
AVAL’s Dividend Payout Ratio of 37.46% is within the typical range for the Banks - Regional industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
BAP
15.19%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
BAP’s Dividend Payout Ratio of 15.19% is in the lower quartile for the Banks - Regional industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | AVAL | BAP |
|---|---|---|
| Dividend Yield (TTM) | 5.35% | 6.13% |
| Dividend Payout Ratio (TTM) | 37.46% | 15.19% |
Valuation
Price-to-Earnings Ratio
AVAL
10.86
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
AVAL’s P/E Ratio of 10.86 is within the middle range for the Banks - Regional industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BAP
11.09
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
BAP’s P/E Ratio of 11.09 is within the middle range for the Banks - Regional industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
AVAL
0.48
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
In the lower quartile for the Banks - Regional industry, AVAL’s Forward PEG Ratio of 0.48 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.
BAP
1.20
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
BAP’s Forward PEG Ratio of 1.20 is within the middle range of its peers in the Banks - Regional industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AVAL
0.73
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.
BAP
2.62
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.
Price-to-Book Ratio
AVAL
0.80
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
AVAL’s P/B Ratio of 0.80 is in the lower quartile for the Banks - Regional industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
BAP
1.78
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
BAP’s P/B Ratio of 1.78 is in the upper tier for the Banks - Regional industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | AVAL | BAP |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 10.86 | 11.09 |
| Forward PEG Ratio (TTM) | 0.48 | 1.20 |
| Price-to-Sales Ratio (P/S, TTM) | 0.73 | 2.62 |
| Price-to-Book Ratio (P/B, TTM) | 0.80 | 1.78 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | -1.34 | -17.36 |
| EV-to-EBITDA (TTM) | 46.25 | 6.10 |
| EV-to-Sales (TTM) | 3.34 | 2.25 |