Grupo Aval Acciones y Valores S.A. reported its third‑quarter 2025 earnings on November 13, 2025. Total revenue reached $1.20 billion, falling 9.8% below the consensus estimate of $1.33 billion. Net income for the quarter was COP 521 billion, the highest in three years, and year‑to‑date net income climbed 88% to COP 1.4 trillion.
The revenue miss was driven by a 4% decline in loan‑originating income, partially offset by a 2% rise in fee income. Management attributed the shortfall to the Colombian peso’s appreciation, which compressed interest‑rate margins and reduced the volume of new consumer loans.
Earnings per share of $0.12 beat the consensus of $0.10 by $0.02, a 20% lift. The beat was largely the result of disciplined cost management that kept operating expenses below 12% of revenue, while the higher mix of high‑margin digital banking services pushed the net interest margin to 4% for the quarter.
Segment performance showed a 3.5% increase in retail loan balances, driven by a 5% rise in mortgage lending, while corporate loan growth slowed 1.2% due to tighter credit conditions. Digital initiatives, including the Go Payment platform, processed 10 million transactions in the first month, contributing an additional $15 million in fee income.
Management reiterated its guidance for the remainder of 2025, maintaining a full‑year revenue outlook of $4.4 billion and a net income target of COP 5.5 trillion. The company emphasized continued focus on loan portfolio quality, with 30‑day and 90‑day past‑due rates falling 0.3 percentage points YoY.
President María Lorena Gutiérrez Botero said, “This quarter, we reached a year‑to‑date net income of COP 1.4 trillion, 88% higher than the same period in 2024. Net income for the quarter was COP 521 billion, the highest in three years.” She added that the firm remains confident in sustaining profitability amid a challenging macro environment.
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