Royal Bank of Scotland Group (OTCMKTS:RBSPF) and GRUPO AVAL ACCI/S (NYSE:AVAL) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, analyst recommendations, earnings, profitability, institutional ownership, dividends and valuation.
Risk & Volatility
Royal Bank of Scotland Group has a beta of 1.03, suggesting that its stock price is 3% more volatile than the S&P 500. Comparatively, GRUPO AVAL ACCI/S has a beta of 0.82, suggesting that its stock price is 18% less volatile than the S&P 500.
This table compares Royal Bank of Scotland Group and GRUPO AVAL ACCI/S’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Royal Bank of Scotland Group||12.31%||5.09%||0.34%|
|GRUPO AVAL ACCI/S||11.37%||11.17%||1.23%|
GRUPO AVAL ACCI/S pays an annual dividend of $0.37 per share and has a dividend yield of 5.3%. Royal Bank of Scotland Group does not pay a dividend. GRUPO AVAL ACCI/S pays out 46.3% of its earnings in the form of a dividend.
This is a summary of current ratings and recommmendations for Royal Bank of Scotland Group and GRUPO AVAL ACCI/S, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Royal Bank of Scotland Group||0||0||0||0||N/A|
|GRUPO AVAL ACCI/S||0||1||1||0||2.50|
GRUPO AVAL ACCI/S has a consensus price target of $8.00, indicating a potential upside of 13.96%. Given GRUPO AVAL ACCI/S’s higher possible upside, analysts plainly believe GRUPO AVAL ACCI/S is more favorable than Royal Bank of Scotland Group.
Valuation and Earnings
This table compares Royal Bank of Scotland Group and GRUPO AVAL ACCI/S’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Royal Bank of Scotland Group||$20.84 billion||1.67||$2.79 billion||N/A||N/A|
|GRUPO AVAL ACCI/S||$9.83 billion||N/A||$896.30 million||$0.80||8.78|
Royal Bank of Scotland Group has higher revenue and earnings than GRUPO AVAL ACCI/S.
Royal Bank of Scotland Group beats GRUPO AVAL ACCI/S on 6 of the 11 factors compared between the two stocks.
Royal Bank of Scotland Group Company Profile
The Royal Bank of Scotland Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers worldwide. It operates through Personal & Business Banking, Commercial & Private Banking, RBS International, and NatWest Markets segments. The company also offers wealth management, financial planning, investment management, asset finance, and offshore banking; and financing and risk solutions, as well as trading and flow sales services. The Royal Bank of Scotland Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.
GRUPO AVAL ACCI/S Company Profile
Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. The company's deposit products and services include checking accounts, savings accounts, and time deposits, as well as other deposits consisting of deposits from correspondent accounts, cashier checks, and collection services. It also provides loan products, such as commercial loans that comprise general purpose loans, working capital loans, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans comprising personal loans, automobile and other vehicle loans, credit cards, overdrafts, loans funded by development banks, and general purpose loans; microcredit loans; and mortgage loans. In addition, the company offers pension and severance fund management services; and trust, bonded warehousing and brokerage transactions, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, bancassurance, and payment and collection services, as well as engages in deposit and lending operations in foreign currencies. Further, it is involved in merchant and investment banking activities; trading activities that include fixed income trading, and derivatives and foreign exchange operations, as well as the provision of treasury, pension plan administration, investment fund advice, financial advisory, leasing, private banking, and insurance services. As of December 31, 2017, the company operated through a network of 1,421 branches and 3,781 ATMs in Colombia; and 350 branches and 1,993 ATMs in Central America. Grupo Aval Acciones y Valores S.A. was founded in 1994 and is based in Bogotá, Colombia.
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