Grupo Aval vs Selective

This page compares Grupo Aval (Grupo Aval Acciones y Valores S.A.) and Selective (Selective Insurance Group Inc), outlining business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AVAL

Metric

SIGI

$5.28B

Market Cap

$4.91B

N/A

Potential Profit

3.53%

Sell

Analyst Rating

Hold

Investment Analysis

Grupo Aval

AVAL

Pros

Grupo Aval reported strong revenue growth, with a 21% year-over-year increase in trailing twelve-month revenue as of mid-2025, reflecting robust top-line momentum.
The company operates across multiple banking sectors in Colombia, providing diversified revenue streams and resilience against regional economic fluctuations.
Grupo Aval’s share price has shown upward momentum recently, with half of the last 30 trading days ending higher, and technical sentiment remains moderately bullish.

Considerations

Grupo Aval’s current price-to-earnings ratio is above its three-, five-, and ten-year historical averages, suggesting the stock may be relatively expensive versus its own history.
Revenue is reported in Colombian pesos, exposing international investors to currency risk amid potential volatility in emerging markets.
The company faces regulatory and macroeconomic risks inherent in operating within Colombia’s banking sector, which can be sensitive to political and economic instability.

Selective

SIGI

Pros

Selective Insurance Group operates in the stable US property and casualty market, with a diversified portfolio across commercial, personal, and excess lines, reducing single-segment risk.
The company maintains consistent underwriting activity and benefits from a regulated, predictable insurance environment in the United States.
Selective Insurance’s investments segment allows it to generate additional income from premium float, providing a cushion against underwriting volatility.

Considerations

Selective Insurance is exposed to catastrophic losses from natural disasters in the US, which can lead to significant claims and earnings volatility.
Growth is geographically concentrated in the United States, limiting opportunities from international expansion and potentially capping market penetration.
The insurance industry is highly competitive, with pricing pressures and the potential for margin compression in standard lines.

About The Companies

Grupo Aval (AVAL)

Grupo Aval Acciones y Valores S.A. is a major Colombian financial holding company. Through its portfolio of subsidiaries, which includes prominent banks like Banco de Bogotá and Banco Popular, it holds a significant position in the country's financial landscape. The company's operations are diverse, spanning traditional banking services like loans and deposits, as well as pension and severance fund management. It is also active in investment banking and other real sector investments. This broad range of services allows Grupo Aval to engage with various parts of the Colombian and Central American economies. For potential investors, understanding its role as a holding company and the performance of its underlying businesses is key. As with any investment, the value of its shares can go up or down and past performance is not an indicator of future results.

Selective (SIGI)

Selective Insurance Group, Inc. (SIGI) is a US-based property & casualty insurer that focuses on niche commercial lines and select personal lines distributed primarily through independent agents and brokers. The company targets small-to-medium commercial risks such as contractors, habitational and mercantile businesses, aiming to combine disciplined underwriting with targeted product offerings. Key value drivers for investors include underwriting margins, reserve development, catastrophe losses and investment income from a fixed-income portfolio. With a market capitalisation near $5.11bn, SIGI sits in the mid-cap insurer space where execution and pricing power can materially affect returns. Strengths can include established agent relationships and a focused regional footprint; risks include exposure to severe weather events, claim-cost inflation and competitive pricing. Shares can be volatile and dividends are dependent on operating results and capital needs. This is general educational information and not personalised investment advice — suitability depends on your goals, timeframe and risk tolerance.

Which Baskets Do They Appear In?

No baskets available in this category

Which Baskets Do They Appear In?

No baskets available in this category

Buy AVAL or SIGI in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

Grupo Aval vs Nelnet

Grupo Aval vs Nelnet: stock comparison

Grupo Aval vs Upstart

Grupo Aval vs Upstart: a comparison of business models

Grupo Aval vs Selective

Comparison Snapshot