Is AVAL or BAP more undervalued in 2026?

CirclFi compares Grupo Aval Acciones y Valores S (AVAL) and Credicorp Ltd. (BAP) using 13 institutional-grade valuation models. AVAL has a Quality of Company score of 1.9/10 while BAP scores 2.0/10.

Which is a better buy — AVAL or BAP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AVAL and BAP valuations compare?

AVAL at $4.61 and BAP at $342.63 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AVAL vs BAP Valuation Comparison 2026 — Intrinsic Value Analysis

AVAL

Commercial Banks, NEC

Grupo Aval Acciones y Valores S

Quality

1.9

out of 10

Value Trap

—

Price

$4.61

Last close

Models

7/13

Active

BAP

Commercial Banks, NEC

Credicorp Ltd.

Quality

2.0

out of 10

Value Trap

—

Price

$342.63

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	AVAL Fair Value	AVAL Upside	BAP Fair Value	BAP Upside
Bayesian DCF	Intrinsic	$1.26	-72.7%	$111.42	-67.5%
Earnings Power Value	Intrinsic	$1.43	-69.0%	$121.18	-62.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for AVAL vs BAP — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

AVAL vs BAP — Which Stock Is More Undervalued?

BAP scores higher with a 2.0/10 quality rating vs AVAL's 1.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Grupo Aval Acciones y Valores S (AVAL) and Credicorp Ltd. (BAP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AVAL currently trades at $4.61 with a QOC of 1.9/10, while BAP trades at $342.63 with a QOC of 2.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).