Grupo Aval Acciones y Valores S.A. (AVAL) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 1.91T | 2.06T | 1.87T | 2.02T | 1.93T | 2T | 1.67T | 1.92T | 1.68T | 1.53T | 1.63T | 1.58T | 1.55T | 1.77T | 1.92T | 1.97T | 2.08T | 3.28T | 2.05T | 2.05T |
| NII Growth % | -0.96% | 2.98% | 12.24% | 5.2% | 14.87% | 30.57% | 2.18% | 21.95% | 8.5% | -13.31% | -14.91% | -20.2% | -25.56% | -46.25% | -6.21% | -3.75% | -31.68% | 7.59% | -32.48% | -30.54% |
| Net Interest Margin % | 0.57% | 0.59% | 0.54% | 0.6% | 0.59% | 0.61% | 0.52% | 0.61% | 0.55% | 0.51% | 0.55% | 0.53% | 0.59% | 0.6% | 0.67% | 0.72% | 0.8% | 0.9% | 0.58% | 0.6% |
| Interest Income | 6.78T | 6.49T | 6.72T | 6.72T | 6.59T | 6.83T | 6.87T | 7.24T | 7.24T | 7.42T | 7.33T | 7.15T | 7.01T | 6.14T | 5.21T | 4.29T | 3.76T | 5.17T | 3.21T | 3.14T |
| Interest Expense | 4.87T | 4.44T | 4.84T | 4.7T | 4.66T | 4.83T | 5.21T | 5.32T | 5.56T | 5.89T | 5.7T | 5.58T | 5.46T | 4.38T | 3.29T | 2.31T | 1.68T | 1.89T | 1.17T | 1.09T |
| Loan Loss Provision | 1T | 982.01B | 1.11T | 1.12T | 1.15T | 1.05T | 1.1T | 1.13T | 1.49T | 1.37T | 1.32T | 1.14T | 920.5B | 841.7B | 751.8B | 719.6B | 807.3B | 1.15T | 606B | 862.9B |
| Non-Interest Income | 2.93T | 5.02T | 2.68T | 2.58T | 2.43T | 1.97T | 2.46T | 1.99T | 2.37T | 2.27T | 2.07T | 2.36T | 2.81T | 2.08T | 2.04T | 2.2T | 1.92T | 2.91T | 1.9T | 2.1T |
| Non-Interest Income % | 30.2% | 43.58% | 28.5% | 27.73% | 26.95% | 22.38% | 26.37% | 21.54% | 24.69% | 23.4% | 22.04% | 24.82% | 28.65% | 25.31% | 28.09% | 33.95% | 33.75% | 35.99% | 37.09% | 40.05% |
| Total Revenue | 9.71T | 11.51T | 9.39T | 9.29T | 9.02T | 8.8T | 9.34T | 9.23T | 9.61T | 9.69T | 9.41T | 9.52T | 9.82T | 8.22T | 7.25T | 6.49T | 5.68T | 8.08T | 5.11T | 5.25T |
| Revenue Growth % | 7.65% | 30.76% | 0.64% | 0.75% | -6.1% | -9.14% | -0.78% | -3.05% | -2.17% | 17.81% | 29.78% | 46.64% | 73.07% | 1.77% | 41.86% | 23.73% | -22.66% | -3.64% | -36.69% | -28.36% |
| Non-Interest Expense | 2.5T | 5.01T | 2.19T | 2.21T | 2.03T | 2.32T | 1.96T | 2.02T | 1.87T | 1.81T | 1.91T | 1.99T | 1.86T | 2.17T | 1.77T | 1.66T | 1.17T | 3.16T | 1.51T | 1.55T |
| Efficiency Ratio | 25.71% | 43.55% | 23.31% | 23.81% | 22.47% | 26.33% | 21.02% | 21.87% | 19.45% | 18.66% | 20.28% | 20.88% | 18.96% | 26.44% | 24.41% | 25.6% | 20.66% | 39.12% | 29.53% | 29.64% |
| Operating Income | 1.35T | 1.08T | 1.25T | 1.27T | 1.18T | 603.6B | 1.07T | 764.5B | 698.8B | 619.65B | 476.9B | 811.2B | 1.58T | 830.17B | 1.43T | 1.8T | 2.02T | 1.88T | 1.83T | 1.73T |
| Operating Margin % | 13.86% | 9.38% | 13.28% | 13.64% | 13.08% | 6.86% | 11.47% | 8.29% | 7.27% | 6.4% | 5.07% | 8.52% | 16.08% | 10.09% | 19.77% | 27.68% | 35.53% | 23.22% | 35.73% | 33.07% |
| Operating Income Growth % | 14% | 78.84% | 16.52% | 65.79% | 68.92% | -2.59% | 124.6% | -5.76% | -55.77% | -25.36% | -66.73% | -54.84% | -21.64% | -55.76% | -21.49% | 3.56% | -0.76% | -3.77% | 1.03% | 102.75% |
| Pretax Income | 1.35T | 1.08T | 1.25T | 1.27T | 1.18T | 603.6B | 1.07T | 764.5B | 698.8B | 619.65B | 476.9B | 811.2B | 1.58T | 830.17B | 1.43T | 1.8T | 2.02T | 1.88T | 1.83T | 1.73T |
| Pretax Margin % | 13.86% | 9.38% | 13.28% | 13.64% | 13.08% | 6.86% | 11.47% | 8.29% | 7.27% | 6.4% | 5.07% | 8.52% | 16.08% | 10.09% | 19.77% | 27.68% | 35.53% | 23.22% | 35.73% | 33.07% |
| Income Tax | 577.5B | 335.54B | 356.4B | 383.8B | 379.1B | 63.13B | 342.4B | 315.3B | 225.7B | 251.13B | 176.2B | 350.6B | 532.6B | 526.3B | 547.8B | 564.3B | 633B | 585B | 1.01T | 440.4B |
| Effective Tax Rate % | 42.91% | 31.08% | 28.56% | 30.28% | 32.12% | 10.46% | 31.97% | 41.24% | 32.3% | 40.53% | 36.95% | 43.22% | 33.71% | 63.4% | 38.21% | 31.41% | 31.4% | 31.17% | 55.41% | 25.39% |
| Net Income | 336.6B | 340.28B | 521B | 494.9B | 361.5B | 281.39B | 415.7B | 204.3B | 113.7B | 82.9B | 64.8B | 166.2B | 425.1B | -330.42B | 408.1B | 675.5B | 1.73T | 776.8B | 779.7B | 949.5B |
| Net Margin % | 3.47% | 2.96% | 5.55% | 5.32% | 4.01% | 3.2% | 4.45% | 2.21% | 1.18% | 0.86% | 0.69% | 1.75% | 4.33% | -4.02% | 5.63% | 10.41% | 30.48% | 9.61% | 15.26% | 18.1% |
| Net Income Growth % | -6.89% | 20.93% | 25.33% | 142.24% | 217.94% | 239.42% | 541.51% | 22.92% | -73.25% | 125.09% | -84.12% | -75.4% | -75.42% | -142.54% | -47.66% | -28.86% | 118.45% | 22.31% | 12.85% | 193.6% |
| Net Income (Continuing) | 768.2B | 743.97B | 891.6B | 883.7B | 801.3B | 540.48B | 728.7B | 449.2B | 473.1B | 368.62B | 300.7B | 460.6B | 1.05T | 303.87B | 885.7B | 1.23T | 1.38T | 1.29T | 814.2B | 1.29T |
| EPS (Diluted) | 284.00 | 286.60 | 438.80 | 416.00 | 304.00 | 236.00 | 350.00 | 172.00 | 96.00 | 69.80 | 55.20 | 132.20 | 348.80 | -278.40 | 355.60 | 626.00 | 1535.40 | 725.80 | 692.80 | 864.80 |
| EPS Growth % | -6.58% | 21.44% | 25.37% | 141.86% | 216.67% | 238.11% | 534.06% | 30.11% | -72.48% | 125.07% | -84.48% | -78.88% | -77.28% | -138.36% | -48.67% | -27.61% | 109.35% | 35.66% | 8.32% | 211.3% |
| EPS (Basic) | 284.00 | 286.60 | 438.80 | 416.00 | 304.00 | 236.00 | 350.00 | 172.00 | 96.00 | 69.80 | 55.20 | 132.20 | 348.80 | -278.40 | 355.60 | 626.00 | 1535.40 | 725.80 | 692.80 | 864.80 |
| Diluted Shares Outstanding | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.14B | 1.13B | 1.11B | 1.11B | 1.11B |