(GGAL) Grupo Financiero Galicia - Ratings and Ratios
Banking, Insurance, Loans, CreditCards, InvestmentServices
GGAL EPS (Earnings per Share)
GGAL Revenue
Description: GGAL Grupo Financiero Galicia
Grupo Financiero Galicia S.A. is a financial services holding company operating in Argentina, providing a wide range of financial products and services to individuals and companies through its various segments, including banking, consumer finance, insurance, and other businesses.
The companys diverse product offerings include deposit accounts, personal and mortgage loans, credit and debit cards, online banking, financing products, mutual funds, asset management, and insurance products, catering to various customer needs. Additionally, it provides private banking services to high net worth individuals and operates a digital investment platform, further expanding its customer base and revenue streams.
From a financial perspective, Grupo Financiero Galicia S.A. has a Market Cap of approximately $7.9 billion USD, with a P/E ratio of 6.59 and a forward P/E of 3.47, indicating potential for growth. The companys Return on Equity (RoE) stands at 27.76%, suggesting efficient use of shareholder equity. To further evaluate the companys performance, other key metrics such as the Price-to-Book (P/B) ratio, Dividend Yield, and Debt-to-Equity ratio could be considered.
Analyzing the stocks performance, the current price is around $49.25, with a 52-week high of $71.88 and a low of $25.93, indicating significant volatility. The stock is currently trading below its SMA50 and SMA200, suggesting a potential downtrend. Further technical analysis could involve examining the Relative Strength Index (RSI), Bollinger Bands, and other indicators to identify potential trading opportunities.
To make an informed investment decision, it is essential to consider various factors, including the companys financial health, industry trends, competitive landscape, and macroeconomic conditions in Argentina. A thorough analysis of these factors, combined with technical and fundamental data, would provide a comprehensive view of the investment potential of Grupo Financiero Galicia S.A.s ADR (GGAL) on NASDAQ.
GGAL Stock Overview
| Market Cap in USD | 5,225m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2000-07-25 |
GGAL Stock Ratings
| Growth Rating | 49.2% |
| Fundamental | 43.8% |
| Dividend Rating | 54.5% |
| Return 12m vs S&P 500 | -44.0% |
| Analyst Rating | 4.60 of 5 |
GGAL Dividends
| Dividend Yield 12m | 1.36% |
| Yield on Cost 5y | 9.18% |
| Annual Growth 5y | 96.00% |
| Payout Consistency | 49.6% |
| Payout Ratio | 0.6% |
GGAL Growth Ratios
| Growth Correlation 3m | -69.9% |
| Growth Correlation 12m | -19.2% |
| Growth Correlation 5y | 91.1% |
| CAGR 5y | 56.14% |
| CAGR/Max DD 3y | 0.95 |
| CAGR/Mean DD 3y | 5.18 |
| Sharpe Ratio 12m | -1.37 |
| Alpha | -43.51 |
| Beta | 0.467 |
| Volatility | 83.85% |
| Current Volume | 1807.5k |
| Average Volume 20d | 2429.3k |
| Stop Loss | 27.1 (-7.1%) |
| Signal | -1.40 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1138.97b TTM) > 0 and > 6% of Revenue (6% = 420.58b TTM) |
| FCFTA -0.08 (>2.0%) and ΔFCFTA -16.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -221.0% (prev -93.33%; Δ -127.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.29 (>3.0%) and CFO -10826.81b <= Net Income 1138.97b (YES >=105%, WARN >=100%) |
| Net Debt (-3851.27b) to EBITDA (660.81b) ratio: -5.83 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.28 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (160.6m) change vs 12m ago 1249 % (target <= -2.0% for YES) |
| Gross Margin 86.19% (prev 49.12%; Δ 37.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 25.42% (prev 37.74%; Δ -12.32pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.23 (EBITDA TTM 660.81b / Interest Expense TTM 2192.34b) >= 6 (WARN >= 3) |
Altman Z'' -2.07
| (A) -0.41 = (Total Current Assets 6074.50b - Total Current Liabilities 21568.24b) / Total Assets 37696.05b |
| (B) 0.10 = Retained Earnings (Balance) 3758.17b / Total Assets 37696.05b |
| (C) 0.02 = EBIT TTM 493.54b / Avg Total Assets 27571.58b |
| (D) 0.17 = Book Value of Equity 5378.51b / Total Liabilities 30768.57b |
| Total Rating: -2.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 43.78
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -11.49% = -5.0 |
| 3. FCF Margin -41.61% = -7.50 |
| 4. Debt/Equity 3.43 = -1.38 |
| 5. Debt/Ebitda 36.00 = -2.50 |
| 6. ROIC - WACC 2.79% = 3.49 |
| 7. RoE 19.86% = 1.65 |
| 8. Rev. Trend 45.49% = 2.27 |
| 9. Rev. CAGR 0.0% = 0.0 |
| 10. EPS Trend 49.69% = 1.24 |
| 11. EPS CAGR 91.15% = 2.50 |
What is the price of GGAL shares?
Over the past week, the price has changed by -4.80%, over one month by -39.31%, over three months by -46.10% and over the past year by -33.41%.
Is Grupo Financiero Galicia a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GGAL is around 36.13 USD . This means that GGAL is currently undervalued and has a potential upside of +23.82% (Margin of Safety).
Is GGAL a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the GGAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 73.6 | 152.2% |
| Analysts Target Price | 73.6 | 152.2% |
| ValueRay Target Price | 38.6 | 32.2% |
Last update: 2025-09-11 02:49
GGAL Fundamental Data Overview
CCE Cash And Equivalents = 6074.50b ARS (Cash And Short Term Investments, last quarter)
P/E Trailing = 4.4035
P/E Forward = 3.465
P/S = 0.001
P/B = 0.9533
P/EG = 0.75
Beta = 0.733
Revenue TTM = 7009.68b ARS
EBIT TTM = 493.54b ARS
EBITDA TTM = 660.81b ARS
Long Term Debt = 2223.23b ARS (from longTermDebt, last quarter)
Short Term Debt = 21568.24b ARS (from totalCurrentLiabilities, last quarter)
Debt = 23791.47b ARS (Calculated: Short Term 21568.24b + Long Term 2223.23b)
Net Debt = -3851.27b ARS (from netDebt column, last quarter)
Enterprise Value = 25376.60b ARS (7659.64b + Debt 23791.47b - CCE 6074.50b)
Interest Coverage Ratio = 0.23 (Ebit TTM 493.54b / Interest Expense TTM 2192.34b)
FCF Yield = -11.49% (FCF TTM -2916.78b / Enterprise Value 25376.60b)
FCF Margin = -41.61% (FCF TTM -2916.78b / Revenue TTM 7009.68b)
Net Margin = 16.25% (Net Income TTM 1138.97b / Revenue TTM 7009.68b)
Gross Margin = 86.19% ((Revenue TTM 7009.68b - Cost of Revenue TTM 968.14b) / Revenue TTM)
Tobins Q-Ratio = 4.72 (Enterprise Value 25376.60b / Book Value Of Equity 5378.51b)
Interest Expense / Debt = 3.45% (Interest Expense 820.13b / Debt 23791.47b)
Taxrate = 26.51% (586.61b / 2212.54b)
NOPAT = 362.68b (EBIT 493.54b * (1 - 26.51%))
Current Ratio = 0.28 (Total Current Assets 6074.50b / Total Current Liabilities 21568.24b)
Debt / Equity = 3.43 (Debt 23791.47b / last Quarter total Stockholder Equity 6927.26b)
Debt / EBITDA = 36.00 (Net Debt -3851.27b / EBITDA 660.81b)
Debt / FCF = -8.16 (Debt 23791.47b / FCF TTM -2916.78b)
Total Stockholder Equity = 5735.47b (last 4 quarters mean)
RoA = 3.02% (Net Income 1138.97b, Total Assets 37696.05b )
RoE = 19.86% (Net Income TTM 1138.97b / Total Stockholder Equity 5735.47b)
RoCE = 6.20% (Ebit 493.54b / (Equity 5735.47b + L.T.Debt 2223.23b))
RoIC = 6.59% (NOPAT 362.68b / Invested Capital 5501.27b)
WACC = 3.80% (E(7659.64b)/V(31451.10b) * Re(7.74%)) + (D(23791.47b)/V(31451.10b) * Rd(3.45%) * (1-Tc(0.27)))
Shares Correlation 3-Years: 1.58 | Cagr: 0.78%
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -2916.78b)
Revenue Correlation: 45.49 | Revenue CAGR: 0.0%
Rev Growth-of-Growth: -82.70
EPS Correlation: 49.69 | EPS CAGR: 91.15%
EPS Growth-of-Growth: -228.1
Additional Sources for GGAL Stock
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Fund Manager Positions: Dataroma | Stockcircle