Grupo Aval (AVAL)vsICICI Bank Limited (IBN)
AVAL
Grupo Aval
$4.32
+2.86%
FINANCIAL SERVICES · Cap: $5.01B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Aval generates 598% more annual revenue ($13.44T vs $1.92T). IBN leads profitability with a 27.5% profit margin vs 12.9%. AVAL trades at a lower P/E of 11.1x. IBN earns a higher WallStSmart Score of 69/100 (B-).
AVAL
Buy51
out of 100
Grade: C-
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.0%
Fair Value
$16.20
Current Price
$4.32
$11.88 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.3T in free cash flow
18.8% revenue growth
Earnings expanding 22.4% YoY
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Operating margin of 0.0%
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : AVAL
The strongest argument for AVAL centers on P/E Ratio, Price/Book, Free Cash Flow. Revenue growth of 18.8% demonstrates continued momentum.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : AVAL
The primary concerns for AVAL are Operating Margin, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AVAL profiles as a growth stock while IBN is a value play — different risk/reward profiles.
AVAL carries more volatility with a beta of 0.43 — expect wider price swings.
AVAL is growing revenue faster at 18.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 51/100), backed by strong 27.5% margins. AVAL offers better value entry with a 72.0% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Grupo Aval
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Grupo Aval Actions y Valores SA offers a range of financial services and products to public and private sector clients in Colombia and Central America. The company is headquartered in Bogot, Colombia.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
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