Grupo Aval Acciones y Valores SA ADR
AVALFinancial·Banks - Regional·Colombia·Small·NYSE·Nov 12 • 3:59 PM ET
Price
AVAL against its 20, 50 and 200-day averages36.3% under the 52-week high of 6.20 on 22 Jun 2026. 52-week low 3.35 on 3 Mar 2026. Last 15 sessions, 26.3% high to low
Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average
Setup. RS line 70
CANSLIM 1 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); 52-Week High/Low: 0-10% below High; Performance: Year +50%; Institutional Ownership: Over 50%; Average Volume: Over 200K
VCP 4 of 6 — fails: 200-Day Simple Moving Average: Price above SMA200; 52-Week High/Low: 0-10% below High
Minervini 1 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200; 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 0 of 5 — fails: RSI (14): Not Oversold (>50); Performance: Week +10%; 20-Day High/Low: 0-5% below High; Relative Volume: Over 1.5; 200-Day Simple Moving Average: Price above SMA200
Leaders 0 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%; Average Volume: Over 500K; 52-Week High/Low: 0-10% below High
Breakout 0 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2; 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200
Growth 1 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 1 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 2 of 4 — fails: Dividend Growth: Growing 2+ Years; Payout Ratio: Low (<20%)
Small Cap 0 of 4 — fails: Float: Under 100M; Average Volume: Over 500K; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%
Accumulation 1 of 4 — fails: Institutional Ownership: Over 30%; 200-Day Simple Moving Average: Price above SMA200; Performance: Year Up
Relative Strength 0 of 3 — fails: Performance: Year +100%; 200-Day Simple Moving Average: Price above SMA200; Average Volume: Over 500K
Profile
AVALGrupo Aval Acciones y Valores SA engages in the provision of financial services and products. It operates through the following segments: Banking Services, Merchant Banking, Pension and Severance Fund Management, and Holding. The Banking Services segment focuses on banking services, fund management and trust businesses, storage companies, and entities that manage low-value payment systems. The Merchant Banking segment is involved in the financial Sector, gas and energy sector, infrastructure sector, hotel sector, and agribusiness sector. The Pension and Severance Fund Management segment refers to the administrator of pension and severance funds. The Holding segment consists of Grupo Aval and Grupo Aval Limited. The company was founded by Luis Carlos Sarmiento Angulo on January 7, 1994 and is headquartered in Bogota, Colombia.
| IPO | Sep 23, 2014 |
|---|---|
| Beta | 0.70 |
| ATR, 14d | 0.19 |
| Rel volume | 0.00 |
| Short float | 0.07% |
| Inst own | 1.16% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | $1.49B |
| Enterprise Value | - |
| Income | 460.47M |
| Sales | 13.65B |
| Book / share | 4.80 |
| Cash / share | - |
| Dividend Est. | 0.25 (6.22%) |
| Dividend TTM | 0.16 (4.10%) |
| Dividend Ex-Date | Nov 30, 2026 |
| Dividend Gr. 3/5Y | -24.93% -18.72% |
| Payout | 31.55% |
| Employees | - |
| IPO | Sep 23, 2014 |
Ratios
| Price / earnings | 10.18 |
|---|---|
| Forward price / earnings | 6.36 |
| Price / earnings / growth | 0.25 |
| Price / sales | 0.11 |
| Price / book | 0.82 |
| Price / cash | - |
| Price / free cash flow | 2.43 |
| Value / cash profit | - |
| Value / sales | - |
| Quick Ratio | - |
| Current Ratio | 0.68 |
| Debt / equity | 3.68 |
| Long-term debt / equity | 3.68 |
| Options and short | No / Yes |
Earnings
| Earnings / share | 0.39 |
|---|---|
| Earnings next year | 0.62 |
| Earnings next quarter | 0.14 |
| Earnings this year | 34.75% |
| Earnings next year | 20.91% |
| Earnings growth, 5 years | 25.63% |
| Past earnings growth | -11.07% -9.10% |
| Past sales growth | 8.70% 0.83% |
| Earnings vs last year | 18.50% |
| Sales vs last year | 25.81% |
| Earnings vs last quarter | -11.42% |
| Sales vs last quarter | 41.33% |
| Earnings | Aug 12 AMC |
| Surprise | -8.32% 6.43% |
Ownership
| Insiders own | - |
|---|---|
| Insider trades | - |
| Institutions own | 1.16% |
| Institution trades | 94.63% |
| Return on assets | 0.53% |
| Return on equity | 9.84% |
| Return on capital | 1.73% |
| Gross Margin | - |
| Operating margin | 9.47% |
| Profit Margin | 3.37% |
| 20-day average | -12.52% |
| 50-day average | -18.36% |
| 200-day average | -16.96% |
Technical
| Shares out | 378.41M |
|---|---|
| Shares floating | 378.09M |
| Short / float | 0.07% |
| Short ratio | 1.75 |
| Short interest | 0.27M |
| 52-week high | 6.20 -36.3% |
| 52-week low | 3.35 +17.9% |
| Volatility | 6.21% 4.14% |
| Average range | 0.19 |
| Strength index | 27.78 |
| Market sensitivity | 0.70 |
| Relative volume | 0.00 |
| Avg Volume | 154.51K |
| Volume | 0 |
Performance
| Perf Week | -5.28% |
|---|---|
| Perf Month | -19.39% |
| Perf Quarter | -25.47% |
| Perf Half Y | -6.62% |
| Perf YTD | -2.47% |
| Perf Year | -9.20% |
| Perf 3Y | 74.01% |
| Perf 5Y | -2.21% |
| Perf 10Y | -25.23% |
| Recommendation | 3.50 |
| Target Price | 5.64 |
| Prev Close | 3.95 |
| Price | 3.95 |
| Change % | 0.00% |
Analyst ratings
latest 10 of 13| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Aug 12, 2026 | Upgrade | JP Morgan | Underweight → Neutral | $5.50 | +39.2% |
| Aug 16, 2023 | Downgrade | JP Morgan | Neutral → Underweight | ||
| Dec 21, 2021 | Downgrade | Scotiabank | Sector Outperform → Sector Perform | $6.20 | +57.0% |
| Aug 05, 2021 | Upgrade | JP Morgan | Underweight → Neutral | $5.50 | +39.2% |
| Jun 11, 2021 | Downgrade | JP Morgan | Neutral → Underweight | $5.50 | +39.2% |
| May 28, 2020 | Downgrade | Citigroup | Buy → Neutral | ||
| Oct 16, 2019 | Upgrade | Citigroup | Neutral → Buy | ||
| Apr 04, 2018 | Upgrade | Citigroup | Sell → Neutral | ||
| Jan 09, 2018 | Downgrade | Citigroup | Buy → Sell | ||
| Jun 28, 2017 | Upgrade | Citigroup | Neutral → Buy |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| CIB | Grupo Cibest SA ADR | 9.67B |
| IFS | Intercorp Financial Services Inc | 5.91B |
| BAP | Credicorp Ltd | 29.02B |
| BSAC | Banco Santander Chile SA ADR | 15.06B |
| BLX | Bladex Inc | 1.85B |
| BCH | Banco de Chile ADR | 19.52B |
| BMA | Banco Macro SA ADR | 3.47B |
| GGAL | Grupo Financiero Galicia ADR | 3.87B |
| ITUB | Itau Unibanco Holding SA ADR | 39.88B |
| BBD | Banco Bradesco SA ADR | 14.11B |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| DFEM | Dimensional Emerging Markets Core Equity 2 ETF | AUM: 9.01B |
| APIE | ActivePassive International Equity ETF | AUM: 1.14B |
| DFAX | Dimensional World ex U.S. Core Equity 2 ETF | AUM: 12.16B |
| NSI | National Security Emerging Markets Index ETF | AUM: 41.03M |
| DEXC | Dimensional Emerging Markets ex China Core Equity ETF | AUM: 266.98M |
News
latest 14 of 200- Grupo Aval Acciones y Valores SA's Dividend Analysis (GuruFocus.com)
- Grupo Aval Acciones y Valores SA (AVAL) (Q2 2026) Earnings Call Highlights: Record Net Income ... (GuruFocus.com)
- Grupo Aval Acciones y Valores SA's Dividend Analysis (GuruFocus.com)
- Grupo Aval Acciones y Valores SA (AVAL) Q1 2026 Earnings Call Highlights: Navigating Challenges ... (GuruFocus.com)
- GRUPO AVAL ANNOUNCES THE FILING OF ITS FORM 20-F FOR THE YEAR ENDED DECEMBER 31, 2025 (PR Newswire)
- How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks) +18.59%
- Is Grupo Aval Acciones y Valores (AVAL) Stock Outpacing Its Finance Peers This Year? (Zacks)
- Are Finance Stocks Lagging Grupo Aval Acciones y Valores (AVAL) This Year? (Zacks)
- Grupo Aval Acciones y Valores SA (AVAL) Q3 2025 Earnings Call Highlights: Record Net Income and ... (GuruFocus.com)
- Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks (Zacks)
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Quarterly earnings
2026Q2 EPS 0.174 missed 0.190, from 0.103 a year earlier. Sales 1,584 beat 1,488, from 1,131 a year earlier
The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.
| Period | Reported | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | Surprise | Year-ago quarter | Analysts | Next session |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026Q2ended 2026-06-30 | 2026-08-12 16:30 | 0.174 | 0.190 | 0.135 | 1,584 | 1,488 | EPS -8.3% · sales +6.4% | vs 2025Q2, year-ago quarter · EPS +68.3% · sales +40.1% | 1 EPS · 2 sales | Open +0.56% vs SPY +0.31%. Close +0.93% vs SPY +0.70% |
| 2026Q1ended 2026-03-31 | 2026-05-12 16:30 | 0.083 | - | 0.080 | 1,390 | - | EPS - · sales - | vs 2025Q1, year-ago quarter · EPS -6.4% · sales +27.3% | - | Open -1.13% vs SPY +0.04%. Close -4.52% vs SPY +0.56% |
| 2025Q4ended 2025-12-31 | 2026-02-25 08:30 | 0.078 | 0.106 | 0.076 | 1,186 | 1,229 | EPS -26.4% · sales -3.5% | vs 2024Q4, year-ago quarter · EPS +34.8% · sales +25.1% | 1 EPS · 2 sales | Open +0.23% vs SPY +0.41%. Close -0.45% vs SPY +0.84% |
| 2025Q3ended 2025-09-30 | 2025-11-12 16:30 | 0.118 | 0.106 | 0.110 | 1,204 | 1,151 | EPS +11.2% · sales +4.6% | vs 2024Q3, year-ago quarter · EPS +46.3% · sales +28.8% | 1 EPS · 2 sales | Open +0.92% vs SPY -0.42%. Close -3.22% vs SPY -1.66% |
| 2025Q2ended 2025-06-30 | 2025-08-12 16:30 | 0.103 | 0.104 | 0.099 | 1,131 | 1,132 | EPS -0.7% · sales -0.1% | vs 2024Q2, year-ago quarter · EPS +151.6% · sales +22.5% | 1 EPS · 2 sales | Open 0.00% vs SPY +0.35%. Close +3.28% vs SPY +0.34% |
| 2025Q1ended 2025-03-31 | 2025-05-06 16:30 | 0.089 | 0.100 | 0.073 | 1,092 | 1,020 | EPS -11.3% · sales +7.1% | vs 2024Q1, year-ago quarter · EPS +260.2% · sales +2.3% | 1 EPS · 2 sales | Open +1.11% vs SPY +0.24%. Close +3.32% vs SPY +0.42% |
| 2024Q4ended 2024-12-31 | 2025-02-18 16:30 | 0.058 | 0.082 | 0.081 | 947.74 | 1,002 | EPS -28.9% · sales -5.4% | vs 2023Q4, year-ago quarter · EPS +228.2% · sales -7.3% | 1 EPS · 2 sales | Open -0.67% vs SPY -0.23%. Close -0.33% vs SPY +0.24% |
| 2024Q3ended 2024-09-30 | 2024-11-13 16:30 | 0.080 | 0.072 | 0.086 | 934.57 | 944.2 | EPS +12.3% · sales -1.0% | vs 2023Q3, year-ago quarter · EPS +490.4% · sales +2.2% | 1 EPS · 2 sales | Open +0.50% vs SPY +0.02%. Close +2.01% vs SPY -0.64% |
| 2024Q2ended 2024-06-30 | 2024-08-14 16:30 | 0.041 | 0.049 | 0.044 | 922.57 | 1,039 | EPS -15.4% · sales -11.2% | vs 2023Q2, year-ago quarter · EPS +22.0% · sales -2.4% | 1 EPS · 2 sales | Open -1.43% vs SPY +1.06%. Close +0.95% vs SPY +1.71% |
| 2024Q1ended 2024-03-31 | 2024-05-14 16:30 | 0.025 | 0.055 | 0.024 | 1,067 | 1,040 | EPS -55.6% · sales +2.6% | vs 2023Q1, year-ago quarter · EPS -71.4% · sales +3.8% | 1 EPS · 2 sales | Open -0.80% vs SPY +0.48%. Close -0.80% vs SPY +1.24% |
| 2023Q4ended 2023-12-31 | 2024-03-04 16:30 | 0.018 | 0.053 | 0.017 | 1,022 | 993.14 | EPS -66.3% · sales +2.9% | vs 2022Q4, year-ago quarter · EPS -128.2% · sales +27.5% | 2 | Open +1.18% vs SPY -0.40%. Close -0.39% vs SPY -1.00% |
| 2023Q3ended 2023-09-30 | 2023-11-15 16:30 | 0.014 | 0.085 | 0.014 | 914.44 | 976.77 | EPS -84.0% · sales -6.4% | vs 2022Q3, year-ago quarter · EPS -80.2% · sales +16.7% | 1 EPS · 2 sales | Open -1.75% vs SPY -0.10%. Close -0.88% vs SPY +0.12% |
| 2023Q2ended 2023-06-30 | 2023-08-16 16:30 | 0.034 | 0.034 | 0.032 | 945.4 | 956.84 | EPS -0.9% · sales -1.2% | vs 2022Q2, year-ago quarter · EPS -74.6% · sales +2.3% | 2 | - |
| 2023Q1ended 2023-03-31 | 2023-05-17 08:30 | 0.086 | 0.090 | 0.075 | 1,028 | - | EPS -4.4% · sales - | vs 2022Q1, year-ago quarter · EPS -76.6% · sales -1.4% | 1 | - |
| 2022Q4ended 2022-12-31 | 2023-03-03 16:30 | -0.063 | 0.088 | -0.058 | 801.68 | 807.73 | EPS -171.7% · sales -0.7% | vs 2021Q4, year-ago quarter · EPS -137.5% · sales -51.0% | 2 EPS · 1 sales | - |
| 2022Q3ended 2022-09-30 | 2022-11-17 08:30 | 0.069 | 0.101 | 0.078 | 783.62 | 906.85 | EPS -31.7% · sales -13.6% | vs 2021Q3, year-ago quarter · EPS -59.9% · sales -48.3% | 2 | - |
Annual earnings
2025FY EPS 0.381 missed 0.417, from 0.205 a year earlier. Sales 4,594 missed 4,760, from 3,724 a year earlier
Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.
earnings feed, not the snapshot. Not the statement ratio.
| Period | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | P/E, earnings feed |
|---|---|---|---|---|---|---|
| 2028FYestimate | - | 0.756 | - | - | 7,375 | 5.23 |
| 2027FYestimate | - | 0.621 | - | - | 6,520 | 6.36 |
| 2026FYestimate | - | 0.514 | - | - | 6,076 | 7.69 |
| 2025FY | 0.381 | 0.417 | 0.381 | 4,594 | 4,760 | 10.62 |
| 2024FY | 0.205 | 0.221 | 0.206 | 3,724 | 3,785 | 9.90 |
| 2023FY | 0.160 | 0.177 | 0.144 | 4,084 | 3,931 | 15.16 |
| 2022FY | 0.497 | 0.486 | 0.504 | 3,662 | 3,693 | 5.09 |
| 2021FY | 0.760 | 0.573 | 0.790 | 6,201 | 6,173 | 4.82 |
| 2020FY | 0.501 | 0.461 | 0.571 | 6,173 | 5,704 | 9.83 |
| 2019FY | 0.650 | 0.713 | 0.830 | 5,788 | 6,180 | 9.62 |
| 2018FY | 0.686 | 0.630 | 0.884 | 6,307 | 5,672 | 6.16 |
| 2017FY | 0.539 | 0.542 | 0.660 | 6,129 | 5,790 | 11.29 |
| 2016FY | 0.589 | 0.606 | 0.695 | 5,789 | 5,473 | 9.65 |
| 2015FY | 0.583 | 0.509 | 0.652 | 4,638 | 4,544 | 6.78 |
| 2014FY | 0.622 | 0.690 | 0.633 | 4,892 | 5,117 | 6.35 |
| 2013FY | 0.817 | 0.813 | 0.796 | 5,522 | 5,440 | 4.84 |
| 2012FY | 0.911 | 0.865 | 0.831 | 5,177 | 4,783 | 4.34 |
Estimate revisions
Latest snapshot of each period and type. 2026FY E 0.51 per share.
| Period | Type | Scale | Date | Mean | vs prior date |
|---|---|---|---|---|---|
| 2026FY | E | per share | 2026-11-11 | 0.51 | 0.0% |
| 2026FY | R | per share | 2026-11-11 | 0.57 | 0.0% |
| 2026FY | S | USD millions | 2026-11-11 | 6,076 | 0.0% |
| 2026Q3 | S | USD millions | 2026-10-22 | 1,454 | -3.2% |
| 2026Q3 | E | per share | 2026-10-21 | 0.14 | -14.2% |
| 2026Q3 | R | per share | 2026-09-15 | 0.16 | -8.9% |
| 2026Q2 | E | per share | 2026-08-11 | 0.19 | +61.0% |
| 2026Q2 | R | per share | 2026-08-11 | 0.19 | +61.0% |
| 2026Q2 | S | USD millions | 2026-08-11 | 1,488 | +15.5% |
| 2025FY | S | USD millions | 2026-02-16 | 4,760 | 0.0% |
| 2025FY | E | per share | 2026-01-27 | 0.42 | 0.0% |
| 2025FY | R | per share | 2026-01-27 | 0.42 | 0.0% |
| 2025Q4 | S | USD millions | 2026-01-27 | 1,229 | +0.0% |
| 2025Q4 | E | per share | 2025-12-26 | 0.11 | -0.8% |
| 2025Q4 | R | per share | 2025-12-26 | 0.11 | -0.8% |
| 2025Q3 | S | USD millions | 2025-10-22 | 1,151 | -1.7% |
| 2025Q3 | E | per share | 2025-10-01 | 0.11 | 0.0% |
| 2025Q3 | R | per share | 2025-10-01 | 0.11 | 0.0% |
| 2025Q2 | E | per share | 2025-07-18 | 0.10 | +6.9% |
| 2025Q2 | R | per share | 2025-07-18 | 0.10 | +6.9% |
| 2025Q2 | S | USD millions | 2025-07-18 | 1,132 | +3.9% |
| 2025Q1 | E | per share | 2025-04-21 | 0.10 | -3.8% |
| 2025Q1 | R | per share | 2025-04-21 | 0.10 | -3.8% |
| 2025Q1 | S | USD millions | 2025-04-21 | 1,020 | -9.2% |
| 2024FY | E | per share | 2025-01-24 | 0.22 | +3.7% |
| 2024Q4 | E | per share | 2025-01-24 | 0.08 | +24.2% |
| 2024FY | S | USD millions | 2025-01-24 | 3,785 | -1.2% |
| 2024Q4 | S | USD millions | 2025-01-24 | 1,002 | -3.3% |
| 2024FY | R | per share | 2025-01-23 | 0.22 | +6.0% |
| 2024Q4 | R | per share | 2025-01-23 | 0.08 | +2.4% |
| 2024Q3 | S | - | 2024-10-18 | 944.2 | -5.5% |
| 2024Q3 | E | per share | 2024-10-11 | 0.07 | -11.0% |
| 2024Q3 | R | per share | 2024-10-11 | 0.07 | -11.0% |
| 2024Q2 | S | USD millions | 2024-07-22 | 1,039 | -2.6% |
| 2024Q2 | E | per share | 2024-07-15 | 0.05 | -32.2% |
| 2024Q2 | R | per share | 2024-07-15 | 0.05 | -32.2% |
| 2024Q1 | S | USD millions | 2024-04-22 | 1,040 | -3.2% |
| 2024Q1 | E | per share | 2024-04-15 | 0.06 | - |
| 2024Q1 | R | per share | 2024-04-15 | 0.06 | - |
| 2023FY | E | per share | 2024-02-08 | 0.18 | +0.3% |
| 2023FY | R | per share | 2024-02-08 | 0.19 | +0.5% |
| 2023FY | S | USD millions | 2024-02-08 | 3,931 | +0.3% |
Estimate history
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | MRQ |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 0.66 | 0.884 | 0.83 | 0.571 | 0.79 | 0.504 | 0.144 | 0.206 | 0.354 | 0.3879 | - |
| Sales USD millions | 10,646 | 11,263 | 11,133 | 10,287 | 7,471 | 8,348 | 10,757 | 10,810 | 10,722 | 13,654 | - |
| Shares million shares | 355 | 356 | 356 | 357 | 358 | 377 | 377 | 377 | 378 | - | 378 |
| Metric | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 0.086 | 0.081 | 0.073 | 0.099 | 0.11 | 0.076 | 0.08 | 0.135 | 0.097 |
| Sales USD millions | 2,810 | 2,646 | 2,676 | 2,669 | 2,864 | 2,956 | 3,177 | 3,474 | 4,047 |
| Shares million shares | 377 | 377 | 377 | 377 | 377 | 378 | 378 | 378 | 378 |
Income statement, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 8,098.50 | 6,369.18-4.3% | 6,652.51-0.9% | 6,715.46+46.5% | 4,582.59+32.7% | 3,453.34-37.2% | 5,496.31-8.1% | 5,982.10-4.0% | 6,233.87 |
| Total Interest Expense | 5,850.36 | 4,454.53-9.4% | 4,918.02-6.0% | 5,232.69+91.1% | 2,737.97+120.2% | 1,243.34-44.4% | 2,235.46-11.2% | 2,518.42-0.5% | 2,531.97 |
| Net Interest Income | 2,248.14 | 1,914.65+10.4% | 1,734.49+17.0% | 1,482.76-19.6% | 1,844.62-16.5% | 2,210.01-32.2% | 3,260.85-5.9% | 3,463.68-6.4% | 3,701.90 |
| Loan Loss Provision | 1,143.84 | 1,067.42-7.2% | 1,149.92+3.6% | 1,110.26+48.8% | 746.31-13.7% | 865.22-49.3% | 1,708.14+32.3% | 1,290.82-8.5% | 1,411.24 |
| Net Interest Income After Loan Loss Provision | 1,104.31 | 847.23+44.9% | 584.57+56.9% | 372.51-66.1% | 1,098.31-18.3% | 1,344.79-13.4% | 1,552.70-28.5% | 2,172.86-5.1% | 2,290.66 |
| Non-Interest Income | 5,555.89 | 4,352.60+4.7% | 4,157.06+2.9% | 4,041.73+7.3% | 3,765.23-6.3% | 4,017.46-16.1% | 4,790.38-7.0% | 5,150.82+2.4% | 5,029.39 |
| Non-Interest Expense | 5,367.38 | 4,286.17+2.3% | 4,190.68+8.4% | 3,867.19+6.5% | 3,631.03-5.8% | 3,856.43-16.7% | 4,630.90-10.1% | 5,150.65+2.0% | 5,050.96 |
| Operating Income | 1,292.82 | 913.66+65.8% | 550.94+0.7% | 547.04-55.6% | 1,232.51-18.2% | 1,505.83-12.1% | 1,712.18-21.2% | 2,173.03-4.2% | 2,269.08 |
| Unusual Expense | -33.17 | -156.69 | -118.10 | -112.11 | -137.98 | -114.93 | 0.00 | -18.28 | -11.00 |
| Net Income Before Taxes | 1,326.99 | 1,053.98+57.4% | 669.67-7.0% | 720.46-48.0% | 1,385.27-14.4% | 1,617.76-4.4% | 1,692.40-23.1% | 2,200.05-8.9% | 2,414.11 |
| Income Taxes | 518.54 | 353.62+53.0% | 231.12-23.7% | 302.98-43.2% | 533.16-14.0% | 619.80+24.3% | 498.83-21.5% | 635.53-12.6% | 727.16 |
| Consolidated Net Income | 893.30 | 786.98+48.1% | 531.39+5.6% | 503.36-46.4% | 939.61-12.8% | 1,078.04-14.0% | 1,253.14-23.3% | 1,634.47-6.8% | 1,753.83 |
| Net Income From Continuing Operations | 511.64 | 418.41+72.4% | 242.76+42.1% | 170.86-61.5% | 443.38-23.7% | 581.32-8.6% | 635.69-31.2% | 924.37-6.2% | 985.31 |
| Net Income | 460.47 | 420.46+71.8% | 244.72+43.2% | 170.86-70.7% | 582.80-33.8% | 879.71+38.4% | 635.69-31.2% | 924.37-6.2% | 985.31 |
| EPS (Recurring) per share | 0.37 | 0.26+85.7% | 0.14+75.0% | 0.08-81.0% | 0.42-41.7% | 0.72+26.3% | 0.57-30.5% | 0.82-6.8% | 0.88 |
| EPS (Basic, Before Extraordinaries) per share | 0.39 | 0.35+66.7% | 0.21+50.0% | 0.14-72.0% | 0.50-36.7% | 0.79+38.6% | 0.57-31.3% | 0.83-5.7% | 0.88 |
| EPS (Diluted) per share | 0.39 | 0.35+66.7% | 0.21+50.0% | 0.14-72.0% | 0.50-36.7% | 0.79+38.6% | 0.57-31.3% | 0.83-5.7% | 0.88 |
| Non-Operating Income (Expense) | 1.00 | -16.37-2698.4% | 0.63-99.0% | 61.31+314.5% | 14.79 | -3.01 | -19.78-326.6% | 8.73-93.5% | 134.03 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 9.87 | 9.87 | 11.89 | 38.82 | 6.19 | 6.45 | 11.98 | 10.48 | 6.69 |
| Price To Sales Ratio ratio | 0.42 | 0.45 | 0.22 | 0.27 | 0.35 | 0.76 | 0.75 | 0.87 | 0.58 |
| Operating Margin % | 9.47 | 8.52 | 5.10 | 5.09 | 14.76 | 20.16 | 16.64 | 19.52 | 20.15 |
| Net Margin % | 3.37 | 3.92 | 2.26 | 1.59 | 6.98 | 11.78 | 6.18 | 8.30 | 8.75 |
| Shares Outstanding million shares | 378.41 | 378.26+0.3% | 377.11+0.0% | 377.09+0.0% | 376.97+5.3% | 357.91+0.1% | 357.49+0.5% | 355.810.0% | 355.81 |
| Market Capitalization | 1,494.26 | 1,494.26+95.3% | 764.99-16.5% | 915.72-4.0% | 953.41-47.8% | 1,826.78-25.7% | 2,457.27-20.8% | 3,102.66+47.8% | 2,099.28 |
Income statement, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 2,457.97+46.7% | 2,050.61+28.1% | 1,868.80+16.4% | 1,721.12+9.0% | 1,675.56-0.1% | 1,600.45-13.2% | 1,605.02-14.6% | 1,579.37-13.3% |
| Total Interest Expense | 1,821.85+50.7% | 1,535.31+37.3% | 1,317.36+18.4% | 1,175.84-1.7% | 1,209.22-4.8% | 1,118.24-17.4% | 1,112.84-21.5% | 1,196.13-17.3% |
| Net Interest Income | 636.12+36.4% | 515.30+6.9% | 551.44+12.0% | 545.28+42.3% | 466.33+14.6% | 482.21-1.7% | 492.18+6.3% | 383.24+2.0% |
| Loan Loss Provision | 393.31+61.6% | 255.58+21.6% | 234.72-3.6% | 260.23+20.7% | 243.36+6.2% | 210.26-17.7% | 243.41-31.0% | 215.65-35.9% |
| Net Interest Income After Loan Loss Provision | 242.81+8.9% | 259.72-4.5% | 316.72+27.3% | 285.05+70.1% | 222.97+25.3% | 271.95+15.6% | 248.77+125.4% | 167.59+326.5% |
| Non-Interest Income | 1,589.05+33.8% | 1,423.70+33.3% | 1,308.25+22.2% | 1,234.89+15.8% | 1,188.02+4.9% | 1,068.12+5.3% | 1,070.56+2.0% | 1,066.50-11.4% |
| Non-Interest Expense | 1,533.60+37.8% | 1,278.55+21.6% | 1,274.09+21.4% | 1,281.14+26.7% | 1,112.75+3.6% | 1,051.17-2.1% | 1,049.73+4.8% | 1,011.52-11.7% |
| Operating Income | 298.26+0.0% | 404.88+40.1% | 350.88+30.2% | 238.80+7.3% | 298.24+26.2% | 288.91+64.1% | 269.59+70.5% | 222.57+127.3% |
| Unusual Expense | 0.00-100.0% | 8.44+27.9% | 5.67-4.1% | -47.27 | 5.84 | 6.60+15.8% | 5.91+12.6% | -0.05 |
| Net Income Before Taxes | 298.26+3.2% | 396.59+41.7% | 346.07+33.6% | 286.07+28.5% | 288.92+22.2% | 279.92+63.1% | 259.03+67.1% | 222.61+69.9% |
| Income Taxes | 126.19+41.9% | 147.13+61.0% | 156.30+72.7% | 88.92+13.0% | 88.96+6.5% | 91.39+13.8% | 90.52+57.2% | 78.67+27.6% |
| Consolidated Net Income | 196.78-11.6% | 272.07+29.3% | 207.91+8.7% | 216.55+29.3% | 222.52+25.1% | 210.43+84.0% | 191.32+58.5% | 167.43+85.1% |
| Net Income From Continuing Operations | 115.18-11.4% | 160.02+35.8% | 96.90+12.3% | 139.54+46.1% | 130.03+28.2% | 117.86+126.5% | 86.32+197.5% | 95.51+369.3% |
| Net Income | 115.18-11.4% | 160.02+35.8% | 95.09+10.2% | 90.17-5.6% | 130.03+28.2% | 117.86+126.5% | 86.32+197.5% | 95.51+369.3% |
| EPS (Recurring) per share | 0.10-9.1% | 0.14+40.0% | 0.080.0% | 0.05-37.5% | 0.11+22.2% | 0.10+100.0% | 0.08+166.7% | 0.08 |
| EPS (Basic, Before Extraordinaries) per share | 0.10-9.1% | 0.13+30.0% | 0.08+14.3% | 0.080.0% | 0.11+22.2% | 0.10+150.0% | 0.07+250.0% | 0.08+300.0% |
| EPS (Diluted) per share | 0.10-9.1% | 0.13+30.0% | 0.08+14.3% | 0.080.0% | 0.11+22.2% | 0.10+150.0% | 0.07+250.0% | 0.08+300.0% |
| Non-Operating Income (Expense) | 0.00 | 0.15 | 0.85 | 0.00 | -3.49 | -2.39-292.7% | -4.66-313.8% | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 9.87 | 13.78 | 12.15 | 11.19 | 9.77 | 9.95 | 11.66 | 11.89 |
| Price To Sales Ratio ratio | 0.42 | 0.48 | 0.45 | 0.43 | 0.36 | 0.31 | 0.29 | 0.21 |
| Operating Margin % | 7.37 | 11.65 | 11.04 | 8.08 | 10.42 | 10.83 | 10.08 | 8.41 |
| Net Margin % | 2.85 | 4.61 | 2.99 | 3.05 | 4.54 | 4.42 | 3.23 | 3.61 |
| Shares Outstanding million shares | 378.41+0.3% | 378.29+0.3% | 378.26+0.3% | 378.26+0.3% | 377.110.0% | 377.090.0% | 377.090.0% | 377.11+0.0% |
| Market Capitalization | 1,494.26+20.2% | 1,902.64+79.7% | 1,663.69+61.7% | 1,531.35+100.2% | 1,243.58+62.6% | 1,058.92+28.9% | 1,028.78+18.2% | 764.99-16.5% |
Balance sheet, annual
| Metric | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 | 2017FY12/31/2017 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 2,927.31+14.0% | 2,567.75-26.0% | 3,471.30+67.1% | 2,077.84-39.0% | 3,404.31+1.8% | 3,344.70-4.5% | 3,501.67+8.3% | 3,233.24-3.7% | 3,358.79 |
| Investments | 18,156.08+34.7% | 13,478.45+4.6% | 12,887.32+37.2% | 9,391.18-31.4% | 13,684.37-1.0% | 13,815.77+28.5% | 10,751.36+14.9% | 9,359.69+3.7% | 9,025.30 |
| Net Loans | 50,963.94+14.7% | 44,447.68-5.0% | 46,803.85+22.0% | 38,374.49-35.7% | 59,726.08-6.3% | 63,770.50+8.7% | 58,683.17+2.1% | 57,455.58-0.9% | 57,988.55 |
| Investment in Unconsolidated Affiliates | 347.95+7.2% | 324.73-2.5% | 333.17+13.5% | 293.54+1.9% | 288.16-4.2% | 300.930.0% | 301.07-0.5% | 302.62-13.4% | 349.48 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 233.74+5.8% | 220.84-5.6% | 233.99+28.8% | 181.68-13.3% | 209.57-75.9% | 869.95-9.9% | 965.16+238.9% | 284.75-0.5% | 286.15 |
| Net Property, Plant & Equipment | 2,309.74+62.3% | 1,423.32-9.5% | 1,571.87+19.9% | 1,310.50-35.3% | 2,026.44+15.6% | 1,753.63-0.5% | 1,762.38+1.1% | 1,744.03-10.3% | 1,943.37 |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 18.77+15.2% | 16.30+32.7% | 12.28 |
| Deferred Tax Assets | 361.82-2.1% | 369.58+11.8% | 330.64-13.4% | 381.78-12.0% | 433.73+72.2% | 251.92+235.2% | 75.15-28.5% | 105.11+126.6% | 46.39 |
| Other Intangible Assets | 17,068.86+47.3% | 11,587.44-4.3% | 12,112.21+35.3% | 8,949.64-13.7% | 10,375.73+0.8% | 10,292.80+15.5% | 8,912.36+19.5% | 7,460.23+18.8% | 6,279.92 |
| Total Assets | 92,369.45+24.1% | 74,419.79-4.3% | 77,744.35+27.5% | 60,960.66-32.4% | 90,148.38-4.5% | 94,400.20+11.1% | 84,971.08+6.3% | 79,961.56+0.8% | 79,290.23 |
| Total Deposits | 54,903.68+20.4% | 45,595.36-2.9% | 46,976.61+31.4% | 35,748.66-37.9% | 57,609.44-7.0% | 61,932.93+15.8% | 53,479.03+5.7% | 50,611.07-2.5% | 51,896.54 |
| Total Debt | 18,408.86+10.2% | 16,703.30-2.2% | 17,087.56+13.9% | 15,006.23-17.6% | 18,203.54+4.7% | 17,391.98+5.0% | 16,566.47+5.7% | 15,665.81+3.6% | 15,127.94 |
| Long Term Debt | 6,520.68-19.8% | 8,132.29-14.2% | 9,475.53+13.9% | 8,322.09-6.4% | 8,894.33-25.3% | 11,898.87-6.8% | 12,771.98-4.2% | 13,325.82+0.8% | 13,218.25 |
| Provision for Risks Charges | 405.42+7.3% | 377.78+0.0% | 377.77+16.2% | 325.18-20.9% | 410.92-7.0% | 441.69-31.1% | 641.06+6.2% | 603.59-3.9% | 628.32 |
| Deferred Tax Liabilities | 1,577.41+23.7% | 1,274.86-11.0% | 1,431.76+37.1% | 1,044.09-1.9% | 1,064.46+14.4% | 930.27+6.3% | 875.00+31.5% | 665.42+13.7% | 585.45 |
| Other Liabilities | 7,877.06+167.8% | 2,940.94-21.2% | 3,734.24+50.6% | 2,480.06-21.6% | 3,161.83-5.4% | 3,342.40+2.9% | 3,247.02-2.1% | 3,315.02+41.2% | 2,347.59 |
| Total Liabilities | 83,172.43+24.3% | 66,892.25-3.9% | 69,607.95+27.5% | 54,604.22-32.1% | 80,450.19-4.3% | 84,039.27+12.3% | 74,808.57+5.6% | 70,860.91+0.4% | 70,585.84 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 4,882.94+23.3% | 3,961.21-8.6% | 4,332.13+27.6% | 3,396.03-39.9% | 5,654.46-6.4% | 6,039.26-0.2% | 6,049.24+10.4% | 5,477.97+0.7% | 5,438.91 |
| Total Shareholders Equity | 4,882.94+23.3% | 3,961.21-8.6% | 4,332.13+27.6% | 3,396.03-39.9% | 5,654.46-6.4% | 6,039.26-0.2% | 6,049.24+10.4% | 5,477.97+0.7% | 5,438.91 |
| Accumulated Minority Interest | 4,314.07+21.0% | 3,566.34-6.3% | 3,804.27+28.5% | 2,960.41-26.8% | 4,043.73-6.4% | 4,321.67+5.1% | 4,113.27+13.5% | 3,622.68+10.9% | 3,265.48 |
| Total Equity | 9,197.02+22.2% | 7,527.55-7.5% | 8,136.40+28.0% | 6,356.44-34.5% | 9,698.19-6.4% | 10,360.93+2.0% | 10,162.51+11.7% | 9,100.65+4.6% | 8,704.39 |
| Total Liabilities & Stockholders Equity | 92,369.45+24.1% | 74,419.79-4.3% | 77,744.35+27.5% | 60,960.66-32.4% | 90,148.38-4.5% | 94,400.20+11.1% | 84,971.08+6.3% | 79,961.56+0.8% | 79,290.23 |
| Book Value Per Share per share | 4.11+23.1% | 3.34-8.5% | 3.65+27.6% | 2.86-43.7% | 5.08-6.3% | 5.42-0.2% | 5.43+10.4% | 4.92+0.8% | 4.88 |
| Tangible Book Value Per Share per share | -0.04 | -1.11 | -0.93 | -0.58-154.7% | 1.06-39.1% | 1.74-46.1% | 3.23-4.7% | 3.39-33.0% | 5.06 |
| Full-Time Employees people | - | - | - | - | - | - | - | 91,191+13.2% | 80,565 |
| Price to Book Ratio ratio | 0.87 | 0.18 | 0.71 | 0.82 | 0.32 | 0.41 | 1.60 | 1.20 | 1.75 |
| Return on Assets % | 0.50 | 0.32 | 0.25 | 0.59 | 0.63 | 0.71 | 1.12 | 1.23 | 0.95 |
| Return on Equity % | 9.46 | 5.85 | 4.42 | 9.80 | 9.94 | 10.52 | 16.04 | 18.05 | 13.81 |
| Return on Invested Capital % | 3.69 | 2.02 | 1.24 | 4.97 | 6.05 | 3.54 | 4.91 | 5.24 | 3.94 |
| Current Ratio ratio | 0.52 | 0.46 | 0.47 | 0.39 | 0.35 | 0.40 | 0.43 | 0.40 | 0.44 |
Cash flow, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 90.87-89.1% | 835.73+147.9% | 337.09-37.0% | 534.81-71.1% | 1,852.22+30.6% | 1,418.65-27.4% | 1,953.25-16.5% | 2,338.00 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 449.33+741.9% | 53.37-34.5% | 81.52 | -418.80-261.9% | 258.65 | -140.50 | -172.85-123.4% | 738.69 |
| Cash from Operating Activities | - | 540.21-39.2% | 889.10+112.4% | 418.61+260.8% | 116.01-94.5% | 2,110.87+65.1% | 1,278.16-28.2% | 1,780.39-42.1% | 3,076.69 |
| Capital Expenditures | - | -318.35 | -319.73 | -300.25 | -268.98 | -601.89 | -550.29 | -526.52 | -481.82 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | -0.53 | 0.00 | 0.00 | -362.59 | -0.85 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 47.18+70.4% | 27.68+5.2% | 26.32-1.3% | 26.67-25.8% | 35.96+47.5% | 24.38-32.3% | 36.00+6.6% | 33.77 |
| Purchase or Sale of Investments | - | -2,282.82 | -1,942.86 | -744.76-148.2% | 1,546.50 | -1,329.50 | -1,685.87 | -828.69 | -383.74 |
| Purchase of Investments | - | -7,853.35 | -6,832.34 | -8,607.33 | -6,561.93 | -12,564.11 | -11,382.65 | -9,097.92 | -2,014.28 |
| Sale Or Maturity of Investments | - | 5,570.53+13.9% | 4,889.48-37.8% | 7,862.57-3.0% | 8,108.43-27.8% | 11,234.60+15.9% | 9,696.78+17.3% | 8,269.23+407.1% | 1,630.54 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Uses | - | -0.07 | -49.78 | -0.03 | -4,451.56 | 0.00 | -0.04 | 0.00 | 0.00 |
| Other Sources | - | 278.79+230.8% | 84.29-60.2% | 211.65+82.4% | 116.01+465.9% | 20.50-71.7% | 72.32+53.6% | 47.09+108.8% | 22.55 |
| Cash from Investing Activities | - | -6,642.96 | -5,429.71 | -2,564.84 | -9,566.38 | -6,149.79 | -5,519.35 | -3,935.42 | -3,598.43 |
| Cash Dividends Paid | - | -154.46 | -178.66 | -177.23 | -97.24 | -328.34 | -359.91 | -385.94 | -381.76 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.00 | 0.00-100.0% | 1.71 | -7.90 | -116.43 | 0.00-100.0% | 334.25 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | -7.94 | -102.63 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00-100.0% | 1.71+5600.0% | 0.03 | -13.80 | 0.00-100.0% | 334.25 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00-100.0% | 1.71+5600.0% | 0.03 | -13.80 | 0.00-100.0% | 334.25 |
| Issuance or Reduction of Debt, Net | - | 1,203.22+118.4% | 551.04+658.8% | 72.62-51.1% | 148.44-93.1% | 2,140.92 | -801.45-440.0% | 235.75-77.9% | 1,065.60 |
| Change in Long Term Debt | - | 229.98 | -250.24 | -949.11-144.3% | 2,142.56+129.0% | 935.63 | -1,036.90 | -971.41-293.8% | 501.14 |
| Issuance of Long Term Debt | - | 229.98 | - | - | 2,142.56+129.0% | 935.63 | - | - | 501.14 |
| Reduction of Long Term Debt | - | - | -250.24 | -949.11 | - | - | -1,036.90 | -971.41 | - |
| Net Financing Active Other Cash Flow | - | -154.13 | -164.28 | -211.77 | -144.40 | -243.65 | -255.96 | -245.01 | -252.33 |
| Other Financing Activities Uses | - | -163.46 | -164.28 | -211.77 | -144.40 | -243.65 | -255.96 | -245.01 | -252.33 |
| Cash from Financing Activities | - | 6,914.69+90.6% | 3,627.25+15.4% | 3,142.55-21.5% | 4,004.92+22.1% | 3,280.07-34.5% | 5,009.52+87.9% | 2,665.43+26.5% | 2,107.16 |
| Exchange Rate Effect | - | -329.47-163.2% | 521.04 | -634.48-175.3% | 842.42-42.2% | 1,457.04+404.0% | 289.11+2244.8% | 12.33-97.4% | 466.06 |
| Net Change in Cash | - | 383.47 | -392.32-208.4% | 361.83 | -4,603.03-759.3% | 698.20-34.0% | 1,057.44+102.3% | 522.73-74.5% | 2,051.48 |
| Free Cash Flow | - | 384.82-47.2% | 729.51+164.0% | 276.38 | -12.56-100.7% | 1,926.35+75.2% | 1,099.71-29.8% | 1,567.28-45.7% | 2,883.91 |
| Price to Free Cash Flow ratio | - | 20.87 | 4.38 | 29.10 | - | 3.56 | 10.36 | 8.22 | 2.63 |
Balance sheet, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 6,073.03+88.9% | 4,894.86+66.7% | 3,865.34+23.5% | 2,927.31+14.0% | 3,214.15-29.9% | 2,936.51-7.8% | 3,128.82-34.9% | 2,567.75-26.0% |
| Investments | 21,373.93+19.4% | 21,526.49+35.5% | 18,463.21+26.3% | 18,156.08+34.7% | 17,901.88+31.5% | 15,888.92+22.3% | 14,613.21+8.6% | 13,478.45+4.6% |
| Net Loans | 60,010.31+16.7% | 56,679.17+16.7% | 53,686.40+14.9% | 50,963.94+14.7% | 51,420.47+16.3% | 48,578.65+5.9% | 46,738.13+1.2% | 44,447.68-5.0% |
| Investment in Unconsolidated Affiliates | 364.86+12.2% | 344.41+11.4% | 307.78+8.0% | 347.95+7.2% | 325.10+6.0% | 309.12+3.1% | 285.01-2.0% | 324.73-2.5% |
| Net Property, Plant & Equipment | 3,538.65+94.3% | 3,376.68+91.1% | 2,630.41+50.9% | 2,309.74+62.3% | 1,821.67+23.6% | 1,766.81+16.5% | 1,742.83+8.9% | 1,423.32-9.5% |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Assets | 265.17 | - | - | 361.82-2.1% | - | - | - | 369.58+11.8% |
| Other Intangible Assets | 14,569.75+11.0% | 14,640.17+15.3% | 13,326.87+9.5% | 17,068.86+47.3% | 13,120.37+8.9% | 12,698.30+3.2% | 12,168.84-5.2% | 11,587.44-4.3% |
| Total Assets | 106,496.12+21.3% | 101,722.77+23.8% | 92,280.01+17.3% | 92,369.45+24.1% | 87,803.64+14.3% | 82,178.32+7.6% | 78,676.83-0.9% | 74,419.79-4.3% |
| Total Deposits | 67,791.00+24.9% | 64,231.34+23.9% | 59,269.47+19.6% | 54,903.68+20.4% | 54,292.30+15.6% | 51,854.35+8.3% | 49,566.00+1.3% | 45,595.36-2.9% |
| Total Debt | 20,932.74+7.2% | 20,503.58+21.1% | 17,686.21+7.3% | 18,408.86+10.2% | 19,530.24+14.8% | 16,928.14+6.5% | 16,482.10-4.0% | 16,703.30-2.2% |
| Long Term Debt | 20,932.74+7.7% | 20,424.49+21.4% | 17,611.32+7.5% | 6,520.68-29.8% | 19,435.40+14.3% | 16,825.93+6.4% | 16,384.63-4.2% | 9,289.27-2.0% |
| Provision for Risks Charges | 600.89+141.6% | 533.59+118.7% | 241.56-7.9% | 405.42+18.4% | 248.68-49.1% | 243.93-33.8% | 262.37-35.3% | 342.28-9.4% |
| Deferred Tax Liabilities | 1,917.08 | - | - | 1,577.41+23.7% | - | - | - | 1,274.86-11.0% |
| Other Liabilities | 4,580.51-6.3% | 6,370.23+29.6% | 5,895.02+28.6% | 7,877.06+164.6% | 4,887.73+56.0% | 4,914.40+6.2% | 4,582.73-5.2% | 2,976.45-20.3% |
| Total Liabilities | 95,822.22+21.4% | 91,638.74+23.9% | 83,092.26+17.2% | 83,172.43+24.3% | 78,958.95+14.5% | 73,940.81+7.5% | 70,893.21-0.7% | 66,892.25-3.9% |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 5,693.48+21.1% | 5,387.16+23.9% | 4,865.19+18.8% | 4,882.94+23.3% | 4,701.51+12.9% | 4,347.49+7.8% | 4,096.13-3.8% | 3,961.21-8.6% |
| Total Shareholders Equity | 5,693.48+21.1% | 5,387.16+23.9% | 4,865.19+18.8% | 4,882.94+23.3% | 4,701.51+12.9% | 4,347.49+7.8% | 4,096.13-3.8% | 3,961.21-8.6% |
| Accumulated Minority Interest | 4,980.41+20.2% | 4,696.88+20.7% | 4,322.56+17.2% | 4,314.07+21.0% | 4,143.18+12.3% | 3,890.02+7.8% | 3,687.49-2.5% | 3,566.34-6.3% |
| Total Equity | 10,673.89+20.7% | 10,084.04+22.4% | 9,187.75+18.0% | 9,197.02+22.2% | 8,844.69+12.6% | 8,237.51+7.8% | 7,783.62-3.2% | 7,527.55-7.5% |
| Total Liabilities & Stockholders Equity | 106,496.12+21.3% | 101,722.77+23.8% | 92,280.01+17.3% | 92,369.45+24.1% | 87,803.64+14.3% | 82,178.32+7.6% | 78,676.83-0.9% | 74,419.79-4.3% |
| Book Value Per Share per share | 4.80+21.2% | 4.54+24.0% | 4.10+18.8% | 4.11+23.1% | 3.96+12.8% | 3.66+7.6% | 3.45-3.9% | 3.34-8.5% |
| Tangible Book Value Per Share per share | -0.23 | -0.29 | -0.47 | -0.04 | -0.54 | -0.94 | -1.26 | -1.11 |
| Price to Book Ratio ratio | 0.87 | 1.23 | 1.11 | 1.02 | 0.90 | 0.26 | 0.26 | 0.18 |
| Return on Assets % | 0.53 | 0.57 | 0.57 | 0.57 | 0.52 | 0.51 | 0.42 | 0.37 |
| Return on Equity % | 9.84 | 10.82 | 10.81 | 10.71 | 9.69 | 9.57 | 8.03 | 6.70 |
| Return on Invested Capital % | 0.43 | 0.62 | 0.42 | 0.79 | 0.54 | 0.56 | 0.42 | 0.72 |
| Current Ratio ratio | 0.68 | 0.66 | 0.62 | 0.52 | 0.64 | 0.54 | 0.59 | 0.48 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 663.50+786.9% | 59.00-72.5% | -505.29 | 306.83 | 74.81+165.2% | 214.19+68.6% | - |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Changes in Working Capital | - | -18.95-108.2% | -60.99 | 261.13 | 66.68 | 231.33+51.4% | -111.50 | - |
| Cash from Operating Activities | - | 644.55+110.5% | -1.99-101.9% | -244.16 | 373.51 | 306.14+69.1% | 102.69 | - |
| Capital Expenditures | - | -74.06 | -51.53 | -116.96 | -79.48 | -65.27 | -55.44 | - |
| Net Assets From Acquisitions | - | -411.34 | -20.16 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Sale of Fixed Assets and Businesses | - | 16.14-34.5% | 9.40+16.0% | -16.35 | 30.59 | 24.66+49.4% | 8.10-33.9% | - |
| Purchase or Sale of Investments | - | -1,843.62 | 334.20 | 0.21 | -1,189.11 | -652.23 | -433.09 | - |
| Purchase of Investments | - | -2,958.36 | -1,379.77 | -862.14 | -3,068.11 | -2,540.59 | -1,352.92 | - |
| Sale Or Maturity of Investments | - | 1,114.74-41.0% | 1,713.97+86.3% | 862.35 | 1,879.00 | 1,888.37+164.0% | 919.82-50.2% | - |
| Other Uses | - | 0.00 | 0.00 | -0.07 | 0.00 | 0.00 | 0.00 | - |
| Other Sources | - | 44.47 | 579.59+153.1% | 217.47 | -100.74 | -68.00-205.4% | 229.01+5863.8% | - |
| Cash from Investing Activities | - | -3,656.01 | -192.27 | -1,016.80 | -2,972.19 | -1,658.89 | -970.05 | - |
| Cash Dividends Paid | - | -49.74 | -43.69 | -40.32 | -41.78 | -38.26 | -33.52 | - |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Change in Capital Stock | - | 7.62 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Sale of Common Pref Stock | - | 7.62 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Proceedsfrom Stock Options | - | 7.62 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Issuance or Reduction of Debt, Net | - | 1,735.86+362.6% | -839.25 | -854.59 | 2,127.01 | 375.24 | -448.97-847.5% | - |
| Change in Long Term Debt | - | - | 185.43+280.1% | -346.91 | 389.76 | 137.48 | 48.79 | - |
| Issuance of Long Term Debt | - | - | 185.43+280.1% | -346.91 | 389.76 | 137.48 | 48.79 | - |
| Net Financing Active Other Cash Flow | - | -29.78 | -34.60 | -60.64 | -40.55 | -21.92 | -30.45 | - |
| Other Financing Activities Uses | - | -29.78 | -34.60 | -69.93 | -40.55 | -21.92 | -30.45 | - |
| Cash from Financing Activities | - | 2,703.96+77.3% | 1,701.87+12.6% | 1,226.42 | 2,625.40 | 1,525.21+61.4% | 1,511.60-12.1% | - |
| Exchange Rate Effect | - | -11.71 | -322.34 | 250.48 | -149.76 | -292.96-205.9% | -135.99-495.2% | - |
| Net Change in Cash | - | -319.21 | 1,185.28+133.2% | 117.31 | -123.03 | -120.50-164.3% | 508.24 | - |
| Free Cash Flow | - | 606.58+120.8% | -29.23-140.7% | -299.76 | 336.59 | 274.73+102.5% | 71.81 | - |
| Price to Free Cash Flow ratio | - | 13.61 | 44.16 | 20.95 | - | - | - | - |
Revenue breakdown
USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.
| Name | 2024 | 2025 | vs 2024 | 2025 share |
|---|---|---|---|---|
| Commercial Banks, NEC | 11,038.83 | 11,011.96 | -0.2% | 100.0% |
| Total | 11,038.83 | 11,011.96 | -0.2% | 100.0% |
| Name | 2024 | 2025 | vs 2024 | 2025 share |
|---|---|---|---|---|
| Barbados | 19.08 | 20.03 | +5.0% | 0.2% |
| Brazil | - | 0.00 | - | 0.0% |
| Colombia | 10,573.49 | 10,579.64 | +0.1% | 96.1% |
| Other countries | 0.00 | - | - | - |
| Panama | 176.23 | 160.50 | -8.9% | 1.5% |
| Peru | 270.02 | 251.79 | -6.8% | 2.3% |
| Total | 11,038.83 | 11,011.96 | -0.2% | 100.0% |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.07% | 0.3M | 378.1M | 152.16K |
| 2026-10-15 | 0.07% | 0.3M | 378.1M | 143.44K |
| 2026-09-30 | 0.07% | 0.3M | 378.1M | 140.37K |
| 2026-09-15 | 0.07% | 0.3M | 378.1M | 178.20K |
| 2026-08-31 | 0.07% | 0.3M | 378.1M | 223.70K |
| 2026-08-14 | 0.07% | 0.3M | 378.1M | 255.08K |
| 2026-07-31 | 0.06% | 0.2M | 378.1M | 266.87K |
| 2026-07-15 | 0.06% | 0.2M | 378.1M | 280.85K |
| 2026-06-30 | 0.07% | 0.3M | 378.1M | 281.14K |
| 2026-06-15 | 0.16% | 0.6M | 378.1M | 237.88K |
| 2026-05-29 | 0.20% | 0.7M | 378.1M | 227.85K |
| 2026-05-15 | 0.09% | 0.4M | 378.1M | 205.41K |
| 2026-04-30 | 0.20% | 0.8M | 378.1M | 185.44K |
| 2026-04-15 | 0.13% | 0.5M | 378.1M | 184.98K |
| 2026-03-31 | 0.10% | 0.4M | 378.1M | 176.79K |
| 2026-03-13 | 0.05% | 0.2M | 378.1M | 166.78K |
| 2026-02-27 | 0.12% | 0.4M | 378.1M | 126.02K |
| 2026-02-13 | 0.11% | 0.4M | 378.1M | 120.83K |
| 2026-01-30 | 0.08% | 0.3M | 378.1M | 117.58K |
| 2026-01-15 | 0.02% | 0.1M | 378.1M | 102.63K |
Option chain
Expiry 2026-11-13 · underlying 3.95, quoted 12 Nov 15:59 ET · ATM -
Option quotes -. A date on a row is older than the last session (12 Nov). 0 rows.
Implied move — the ATM straddle is not quoted.
Put/call open interest — no calls · Put/call volume — no calls
IV change is points against the prior close.
| Type | Strike | Money | Bid | Ask | Last | Chg | IV | Open int | Volume | Last size | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | |||||||||||||
Latest SEC filings
30 of 41210-Q was not on the first page of annual reports. 10-K was not on the first page of annual reports. AVAL on EDGAR
| Filed | Form | Description | Period | Document |
|---|---|---|---|---|
| 2026-11-12 | 6-K | All annual, quarterly, and current reports | 2026-11-12 | 0000950103-26-017299 index |
| 2026-11-04 | 6-K | All annual, quarterly, and current reports | 2026-11-03 | 0000950103-26-016876 index |
| 2026-10-27 | 6-K | All annual, quarterly, and current reports | 2026-10-27 | 0000950103-26-016246 index |
| 2026-10-01 | 6-K | All annual, quarterly, and current reports | 2026-10-01 | 0000950103-26-014957 index |
| 2026-09-29 | 6-K | All annual, quarterly, and current reports | 2026-09-28 | 0000950103-26-014648 index |
| 2026-09-15 | 6-K | All annual, quarterly, and current reports | 2026-09-14 | 0000950103-26-013936 index |
| 2026-09-02 | 6-K | All annual, quarterly, and current reports | 2026-09-02 | 0000950103-26-013486 index |
| 2026-08-26 | 6-K | All annual, quarterly, and current reports | 2026-08-26 | 0000950103-26-012925 index |
| 2026-08-25 | 6-K | All annual, quarterly, and current reports | 2026-08-24 | 0000950103-26-012816 index |
| 2026-08-17 | 6-K | All annual, quarterly, and current reports | 2026-08-14 | 0000950103-26-012456 index |
| 2026-08-17 | 6-K | All annual, quarterly, and current reports | 2026-08-14 | 0000950103-26-012454 index |
| 2026-08-14 | 6-K | All annual, quarterly, and current reports | 2026-08-14 | 0000950103-26-012425 index |
| 2026-08-13 | 6-K | All annual, quarterly, and current reports | 2026-08-13 | 0000950103-26-012328 index |
| 2026-08-04 | 6-K | All annual, quarterly, and current reports | 2026-08-03 | 0000950103-26-011744 index |
| 2026-07-02 | 6-K | All annual, quarterly, and current reports | 2026-07-01 | 0000950103-26-010015 index |
| 2026-07-01 | 6-K | All annual, quarterly, and current reports | 2026-06-30 | 0000950103-26-009884 index |
| 2026-06-15 | 6-K | All annual, quarterly, and current reports | 2026-06-12 | 0000950103-26-008941 index |
| 2026-06-10 | 6-K | All annual, quarterly, and current reports | 2026-06-10 | 0000950103-26-008778 index |
| 2026-06-02 | 6-K | All annual, quarterly, and current reports | 2026-06-01 | 0000950103-26-008220 index |
| 2026-05-26 | 6-K | All annual, quarterly, and current reports | 2026-05-26 | 0000950103-26-007709 index |
| 2026-05-22 | 3 | Insider equity awards, transactions, and ownership (Section 16 Reports) | 2026-05-12 | 0000950103-26-007673 index |
| 2026-05-18 | 6-K | All annual, quarterly, and current reports | 2026-05-18 | 0000950103-26-007340 index |
| 2026-05-15 | 6-K | All annual, quarterly, and current reports | 2026-05-14 | 0000950103-26-007242 index |
| 2026-05-14 | 6-K | All annual, quarterly, and current reports | 2026-05-13 | 0000950103-26-007168 index |
| 2026-05-05 | 6-K | All annual, quarterly, and current reports | 2026-05-04 | 0000950103-26-006806 index |
| 2026-04-20 | 6-K | All annual, quarterly, and current reports | 2026-04-20 | 0000950103-26-005939 index |
| 2026-04-17 | 20-F | All annual, quarterly, and current reports | 2025-12-31 | 0001104659-26-044493 index |
| 2026-04-07 | 6-K | All annual, quarterly, and current reports | 2026-04-07 | 0000950103-26-005408 index |
| 2026-03-31 | 6-K | All annual, quarterly, and current reports | 2026-03-30 | 0000950103-26-005043 index |
| 2026-03-30 | 6-K | All annual, quarterly, and current reports | 2026-03-27 | 0000950103-26-004849 index |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 0.21% |
| Truffle Hound Capital, LLC | 0.19% |
| Pekin Hardy Strauss, Inc. | 0.14% |
| Banco BTG Pactual S.A. | 0.06% |
| Stokes Family Office, LLC | 0.06% |
| O'Brien Greene & Co. Inc | 0.04% |
| Vise Technologies, Inc. | 0.04% |
| UBS Group AG | 0.03% |
| MILLENNIUM MANAGEMENT LLC | 0.03% |
| DIMENSIONAL FUND ADVISORS LP | 0.03% |
Funds
| Fund | % owned |
|---|---|
| Dimensional Emerging Markets Core Equity 2 ETF | 0.01% |
| Dimensional World ex. U.S. Core Equity 2 ETF | 0.00% |
| ActivePassive International Equity ETF | 0.00% |
| National Security Emerging Markets Index ETF | 0.00% |
| Dimensional Emerging Markets ex China Core Equity ETF | 0.00% |
| THE EMERGING MARKETS SERIES | 0.00% |
OakChart. AVAL. Cached 15 minutes. Terms
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