AVAL vs. BCH: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AVAL and BCH, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BCH’s market capitalization of 15.24 billion USD is significantly greater than AVAL’s 3.45 billion USD, highlighting its more substantial market valuation.
AVAL’s beta of 0.45 points to significantly higher volatility compared to BCH (beta: 0.12), suggesting AVAL has greater potential for both gains and losses relative to market movements.
AVAL and BCH are both American Depositary Receipts (ADRs). This provides U.S. investors with straightforward access to investing in these foreign-listed companies without directly engaging with overseas stock exchanges.
| Symbol | AVAL | BCH |
|---|---|---|
| Company Name | Grupo Aval Acciones y Valores S.A. | Banco de Chile |
| Country | CO | CL |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| CEO | Maria Lorena Gutierrez Botero | Eduardo Ebensperger Orrego |
| Price | 2.89 USD | 30.18 USD |
| Market Cap | 3.45 billion USD | 15.24 billion USD |
| Beta | 0.45 | 0.12 |
| Exchange | NYSE | NYSE |
| IPO Date | September 23, 2014 | August 2, 2002 |
| ADR | Yes | Yes |
Historical Performance
This chart compares the performance of AVAL and BCH 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.
BCH
22.54%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
BCH’s Return on Equity of 22.54% is exceptionally high, placing it well beyond the typical range for the Banks - Regional industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
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.
BCH
2.35%
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.
BCH
36.60%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
BCH’s Net Profit Margin of 36.60% is exceptionally high, placing it well beyond the typical range for the Banks - Regional industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
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.
BCH
45.39%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
BCH’s Operating Profit Margin of 45.39% is exceptionally high, placing it well above the typical range for the Banks - Regional industry. This demonstrates outstanding efficiency in managing its core operations, which can be a result of strong pricing power or superior cost control.
Profitability at a Glance
| Symbol | AVAL | BCH |
|---|---|---|
| Return on Equity (TTM) | 7.35% | 22.54% |
| Return on Assets (TTM) | 0.38% | 2.38% |
| Return on Invested Capital (TTM) | 2.13% | 2.35% |
| Net Profit Margin (TTM) | 6.65% | 36.60% |
| Operating Profit Margin (TTM) | 19.48% | 45.39% |
| Gross Profit Margin (TTM) | 74.93% | 111.06% |
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.
BCH
--
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.
BCH
2.31
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 2.31, BCH 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.
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.
BCH
1.05
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 | BCH |
|---|---|---|
| Current Ratio (TTM) | 0.38 | -- |
| Quick Ratio (TTM) | 0.38 | -- |
| Debt-to-Equity Ratio (TTM) | 4.00 | 2.31 |
| Debt-to-Asset Ratio (TTM) | 0.21 | 0.23 |
| Net Debt-to-EBITDA Ratio (TTM) | 36.18 | 7.20 |
| Interest Coverage Ratio (TTM) | 0.24 | 1.05 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AVAL and BCH. 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.
BCH
7.05%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 7.05%, BCH 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.
BCH
77.78%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
BCH’s Dividend Payout Ratio of 77.78% is in the upper quartile for the Banks - Regional industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | AVAL | BCH |
|---|---|---|
| Dividend Yield (TTM) | 5.35% | 7.05% |
| Dividend Payout Ratio (TTM) | 37.46% | 77.78% |
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.
BCH
11.03
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
BCH’s P/E Ratio of 11.03 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.
BCH
2.16
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
A Forward PEG Ratio of 2.16 places BCH in the upper quartile for the Banks - Regional industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
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.
BCH
4.04
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.
BCH
2.62
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
At 2.62, BCH’s P/B Ratio is at an extreme premium to the Banks - Regional industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AVAL | BCH |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 10.86 | 11.03 |
| Forward PEG Ratio (TTM) | 0.48 | 2.16 |
| Price-to-Sales Ratio (P/S, TTM) | 0.73 | 4.04 |
| Price-to-Book Ratio (P/B, TTM) | 0.80 | 2.62 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | -1.34 | 2.46 |
| EV-to-EBITDA (TTM) | 46.25 | 18.91 |
| EV-to-Sales (TTM) | 3.34 | 6.52 |