Quick verdict: AVAL vs BMA in 2026

In a detailed aval vs bma stock comparison 2026, the two financial giants present a mixed picture with neither securing a decisive overall edge. AVAL stands out as the growth and value leader, alongside superior margins, while Banco Macro (BMA) garners a stronger analyst consensus and offers considerably more price target upside according to current projections. It is crucial to remember this analysis is for informational purposes and not investment advice.

AVAL vs BMA: key metrics side by side

Full side-by-side comparison of AVAL and BMA across valuation, profitability, growth and analyst sentiment. Data updated 2026-05-03.

AVAL vs BMA valuation comparison

When considering aval vs bma fundamentals and valuation, Grupo Aval (AVAL) appears to be the more attractively valued stock based on traditional metrics. AVAL trades at a P/E ratio of 11.17x, which is considerably lower than Banco Macro’s (BMA) elevated P/E of 43.02x. This significant difference suggests that investors are currently paying a much higher premium for BMA’s earnings compared to AVAL’s. Furthermore, the P/B ratio reinforces AVAL’s value proposition, sitting at a modest 1.04x against BMA’s extraordinary 1920.9x, indicating AVAL’s share price is much closer to its book value, if not undervalued, while BMA’s market capitalization is vastly disproportionate to its book assets.

However, the Discounted Cash Flow (DCF) analysis presents a nuanced perspective on aval vs bma valuation. AVAL’s DCF suggests an implied downside of -298.2% from its current price of $4.4, with a target of $-8.72, signaling a severe overvaluation based on its future cash flow projections. In contrast, BMA’s DCF indicates a target of $45.11, implying a less drastic downside of -34.5% from its current price of $68.86. While both figures suggest current prices exceed intrinsic value according to this model, BMA’s valuation gap is less extreme, suggesting that AVAL faces a much steeper challenge in justifying its current price from a DCF standpoint despite its lower P/E and P/B multiples. Investors focused on aval vs bma fundamentals and valuation should carefully weigh these contrasting signals.

AVAL vs BMA growth comparison

In terms of growth, Grupo Aval (AVAL) demonstrates significantly stronger momentum compared to Banco Macro (BMA) in this aval vs bma stock comparison 2026. AVAL reported a robust year-over-year revenue growth of 14.5%, reflecting a healthy expansion in its operations. This positive trajectory highlights AVAL’s ability to increase its top-line performance effectively within the financial services sector. Conversely, Banco Macro (BMA) faced substantial headwinds, with its revenue growth plummeting by -99.9%. This dramatic decline signals considerable challenges in BMA’s operational environment, potentially stemming from macroeconomic factors in its primary markets or specific business segment difficulties. The stark contrast in revenue growth positions AVAL as the clear leader for investors prioritizing top-line expansion and sustained market presence.

Beyond revenue, AVAL also exhibits stronger profitability margins, suggesting more efficient growth. AVAL’s net margin stands at 4.38%, slightly outperforming BMA’s 4.07%. More notably, AVAL maintains a higher EBITDA margin of 13.68% compared to BMA’s 10.32%. These figures indicate that AVAL is more efficient at converting its revenue into operating and net income, even while achieving substantial revenue growth. The combination of strong revenue growth and superior margins gives AVAL a significant edge in demonstrating overall financial health and operational efficiency within this aval vs bma fundamentals and valuation analysis, particularly for those looking for sustainable performance.

AVAL vs BMA profitability

Evaluating the profitability of AVAL vs BMA, Grupo Aval (AVAL) holds a slight edge in net margin efficiency. AVAL reported a net margin of 4.38%, indicating that it converts a larger percentage of its revenue into profit compared to Banco Macro (BMA), which has a net margin of 4.07%. While the difference appears marginal, it suggests AVAL operates with slightly better cost control or revenue quality. Both companies report ‘N/A%’ for Return on Equity (ROE), which unfortunately prevents a direct comparison of how effectively they are utilizing shareholder capital to generate profits. However, the existing margin data still points to AVAL’s slightly superior profitability.

Further strengthening AVAL’s position in profitability is its Free Cash Flow (FCF) yield. AVAL boasts a FCF yield of 8.29%, significantly higher than BMA’s 4.54%. A higher FCF yield indicates that AVAL is generating more cash relative to its market capitalization, providing greater flexibility for debt reduction, dividends, share buybacks, or reinvestment in the business. This ability to generate substantial free cash flow suggests stronger underlying operational health and cash-generating capabilities for AVAL. Therefore, for investors focused on cash generation and operational efficiency, AVAL appears to be the more profitable option in this aval vs bma fundamentals and valuation comparison, capable of generating more cash from its operations.

Analyst ratings: AVAL vs BMA

When considering analyst sentiment in this aval vs bma stock comparison 2026, Grupo Aval (AVAL) receives a more cautious outlook from the investment community. Based on the analysis of 6 analysts, AVAL has a ‘Hold’ consensus rating, with only 33.3% issuing a ‘Buy’ recommendation. This conservative stance is further emphasized by a consensus price target of $0, representing a stark -100.0% downside from its current price of $4.4. This highly negative target suggests that analysts foresee significant challenges or believe the stock is severely overvalued, aligning somewhat with the extremely negative DCF upside previously discussed. Such a pronounced negative target from analysts raises red flags for potential investors, despite other positive fundamental metrics.

In contrast, Banco Macro (BMA) enjoys a more favorable reception among analysts. With a larger coverage of 14 analysts, BMA has a ‘Buy’ consensus rating, and a higher percentage of analysts, 42.9%, recommend buying the stock. The consensus price target for BMA stands at $130, implying a substantial +88.8% upside from its current price of $68.86. This optimistic outlook from analysts, coupled with a positive target, positions BMA as the analyst favorite. While BMA’s valuation metrics appear stretched, and its revenue growth is negative, the strong analyst conviction and significant price target upside suggest that the market anticipates a strong recovery or undervalues its long-term potential according to this segment of the investment community. This provides a compelling reason for investors to conduct deeper due diligence if should i buy aval or bma stock 2026 is their question.

Should I buy AVAL or BMA stock in 2026?

For investors prioritizing growth in 2026, the aval vs bma stock comparison 2026 suggests Grupo Aval (AVAL) presents a more compelling case. With a revenue growth rate of 14.5% year-over-year, AVAL clearly demonstrates an expanding business, in stark contrast to Banco Macro’s (BMA) significant revenue decline of -99.9%. This makes AVAL the preferred choice for those seeking companies with strong top-line momentum and the potential for continued operational expansion. While past performance is not indicative of future results, AVAL’s current growth trajectory is undeniable.

When considering aval vs bma fundamentals and valuation for value-oriented investors, AVAL again appears to be the stronger contender. Its P/E ratio of 11.17x and P/B ratio of 1.04x are significantly more attractive than BMA’s P/E of 43.02x and P/B of 1920.9x. This indicates that AVAL is trading at a much lower multiple relative to its earnings and book value, offering a potentially larger margin of safety. While BMA shows a less negative DCF upside (-34.5% vs. AVAL’s -298.2%), which might suggest BMA is less fundamentally overvalued by that specific model, the traditional valuation metrics strongly favor AVAL for those seeking discounted assets. This makes AVAL a better consideration for investors focused on aval vs bma fundamentals and valuation who prioritize lower entry multiples and relative financial stability.

For income-focused investors asking should i buy aval or bma stock 2026, neither stock offers a substantial dividend yield, but Banco Macro (BMA) provides a slightly higher payout. BMA’s dividend yield stands at 0.05%, marginally surpassing AVAL’s 0.03%. Both yields are very low, suggesting these stocks are not primarily chosen for significant income generation. However, if a choice must be made solely on dividend yield, BMA has the slight edge. Additionally, AVAL’s significantly higher Free Cash Flow (FCF) yield of 8.29% compared to BMA’s 4.54% indicates that AVAL generates more cash that could potentially be distributed to shareholders in the future, despite its current lower dividend. This is not investment advice; please conduct thorough due diligence.

More AVAL and BMA comparisons

AVAL full stock analysis · BMA full stock analysis · All stock comparisons

FAQ: AVAL vs BMA