Grupo Aval (AVAL)vsU.S. Bancorp (USB)
AVAL
Grupo Aval
$4.32
+2.86%
FINANCIAL SERVICES · Cap: $5.01B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Aval generates 50886% more annual revenue ($13.44T vs $26.35B). USB leads profitability with a 28.7% profit margin vs 12.9%. AVAL trades at a lower P/E of 11.1x. USB earns a higher WallStSmart Score of 75/100 (B).
AVAL
Buy51
out of 100
Grade: C-
USB
Strong Buy75
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
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Operating margin of 0.0%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
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 : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : AVAL
The primary concerns for AVAL are Operating Margin, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AVAL profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
AVAL is growing revenue faster at 18.8% — sustainability is the question.
AVAL generates stronger free cash flow (1.3T), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 51/100), backed by strong 28.7% 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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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