(GGAL) Grupo Financiero Galicia - Ratings and Ratios
Banking, Insurance, Cards, Loans, Investments
Dividends
| Dividend Yield | 1.97% |
| Yield on Cost 5y | 13.94% |
| Yield CAGR 5y | 131.91% |
| Payout Consistency | 51.6% |
| Payout Ratio | 0.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 61.0% |
| Value at Risk 5%th | 89.4% |
| Relative Tail Risk | -10.91% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.20 |
| Alpha | -31.80 |
| CAGR/Max DD | 1.61 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.606 |
| Beta | 1.455 |
| Beta Downside | 1.391 |
| Drawdowns 3y | |
|---|---|
| Max DD | 62.95% |
| Mean DD | 14.78% |
| Median DD | 10.84% |
Description: GGAL Grupo Financiero Galicia November 04, 2025
Grupo Financiero Galicia S.A. (NASDAQ: GGAL) is Argentina’s leading diversified banking group, offering a full suite of retail, corporate, and insurance services through its Bank, Naranja X, Insurance, and “Other Businesses” segments. Its product mix includes deposits, personal and mortgage loans, credit cards, digital banking, asset-management, mutual funds, and a range of personal and SME insurance lines, plus private-banking and brokerage services for high-net-worth clients.
As of the latest Q2 2024 filing, the bank reported a loan portfolio of roughly ARS 1.2 trillion, up about 8 % YoY, driven largely by growth in consumer credit and the Naranja X digital channel, which now serves over 2.5 million active users. Net interest margin (NIM) held at 6.2 %-above the Argentine banking average of ~5.5 %-reflecting a relatively efficient balance-sheet mix. Return on equity (ROE) for the twelve-month period ended March 2024 was 13.4 %, while the deposit base grew 6 % despite a high-inflation environment that pressures real deposit yields.
Key macro drivers for GGAL include Argentina’s persistently high inflation (≈ 220 % YoY in 2024), which erodes loan-interest earnings but also fuels demand for short-term credit, and the country’s foreign-exchange controls that limit dollar-denominated funding, making domestic-currency lending more attractive. The ongoing digitalization push-exemplified by Naranja X’s rapid user acquisition-offers a potential hedge against traditional banking headwinds by expanding fee-based income.
For a deeper quantitative assessment of GGAL’s valuation relative to peers, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (899.49b TTM) > 0 and > 6% of Revenue (6% = 495.09b TTM) |
| FCFTA -0.25 (>2.0%) and ΔFCFTA -13.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -78.23% (prev 67.32%; Δ -145.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.24 (>3.0%) and CFO -10221.71b <= Net Income 899.49b (YES >=105%, WARN >=100%) |
| Net Debt (-203.15b) to EBITDA (639.44b) ratio: -0.32 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.66 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (NaN) change vs 12m ago NaN% (target <= -2.0% for YES) |
| Gross Margin 79.82% (prev 77.88%; Δ 1.94pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 25.40% (prev 46.47%; Δ -21.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.34 (EBITDA TTM 639.44b / Interest Expense TTM 1520.47b) >= 6 (WARN >= 3) |
Altman Z'' -0.45
| (A) -0.15 = (Total Current Assets 12793.35b - Total Current Liabilities 19248.62b) / Total Assets 41995.96b |
| (B) 0.09 = Retained Earnings (Balance) 3758.17b / Total Assets 41995.96b |
| (C) 0.02 = EBIT TTM 511.07b / Avg Total Assets 32485.68b |
| (D) 0.15 = Book Value of Equity 5378.51b / Total Liabilities 34903.39b |
| Total Rating: -0.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.90
| 1. Piotroski 4.0pt |
| 2. FCF Yield data missing |
| 3. FCF Margin data missing |
| 4. Debt/Equity 0.30 |
| 5. Debt/Ebitda -0.32 |
| 6. ROIC - WACC (= -8.25)% |
| 7. RoE 14.06% |
| 8. Rev. Trend 30.90% |
| 9. EPS Trend 35.30% |
What is the price of GGAL shares?
Over the past week, the price has changed by -4.65%, over one month by -9.53%, over three months by +64.94% and over the past year by -12.25%.
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 | 68.9 | 37.6% |
| Analysts Target Price | 68.9 | 37.6% |
| ValueRay Target Price | 69.5 | 38.9% |
GGAL Fundamental Data Overview November 30, 2025
P/E Trailing = 8.3313
P/E Forward = 3.465
P/S = 0.0016
P/B = 1.7625
P/EG = 0.75
Beta = 0.68
Revenue TTM = 8251.50b ARS
EBIT TTM = 511.07b ARS
EBITDA TTM = 639.44b ARS
Long Term Debt = 2724.30b ARS (from longTermDebt, last quarter)
Short Term Debt = 389.70b ARS (from shortTermDebt, last fiscal year)
Debt = 2160.47b ARS (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -203.15b ARS (from netDebt column, last fiscal year)
Enterprise Value = 5958.06b ARS (12491.76b + Debt 2160.47b - CCE 8694.16b)
Interest Coverage Ratio = 0.34 (Ebit TTM 511.07b / Interest Expense TTM 1520.47b)
FCF Yield = -174.2% (FCF TTM -10380.96b / Enterprise Value 5958.06b)
FCF Margin = -125.8% (FCF TTM -10380.96b / Revenue TTM 8251.50b)
Net Margin = 10.90% (Net Income TTM 899.49b / Revenue TTM 8251.50b)
Gross Margin = 79.82% ((Revenue TTM 8251.50b - Cost of Revenue TTM 1665.13b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 72.97%)
Tobins Q-Ratio = 0.14 (Enterprise Value 5958.06b / Total Assets 41995.96b)
Interest Expense / Debt = 32.42% (Interest Expense 700.34b / Debt 2160.47b)
Taxrate = 49.55% (-86.16b / -173.87b)
NOPAT = 257.83b (EBIT 511.07b * (1 - 49.55%))
Current Ratio = 0.66 (Total Current Assets 12793.35b / Total Current Liabilities 19248.62b)
Debt / Equity = 0.30 (Debt 2160.47b / totalStockholderEquity, last quarter 7092.57b)
Debt / EBITDA = -0.32 (Net Debt -203.15b / EBITDA 639.44b)
Debt / FCF = 0.02 (negative FCF - burning cash) (Net Debt -203.15b / FCF TTM -10380.96b)
Total Stockholder Equity = 6395.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.14% (Net Income 899.49b / Total Assets 41995.96b)
RoE = 14.06% (Net Income TTM 899.49b / Total Stockholder Equity 6395.84b)
RoCE = 5.60% (EBIT 511.07b / Capital Employed (Equity 6395.84b + L.T.Debt 2724.30b))
RoIC = 3.87% (NOPAT 257.83b / Invested Capital 6666.13b)
WACC = 12.11% (E(12491.76b)/V(14652.22b) * Re(11.38%) + D(2160.47b)/V(14652.22b) * Rd(32.42%) * (1-Tc(0.50)))
Discount Rate = 11.38% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 4.98%
Fair Price DCF = unknown (Cash Flow -10380.96b)
EPS Correlation: 35.30 | EPS CAGR: -50.67% | SUE: -0.04 | # QB: 0
Revenue Correlation: 30.90 | Revenue CAGR: 83.38% | SUE: 0.43 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.28 | Chg30d=+0.282 | Revisions Net=-1 | Analysts=2
EPS next Year (2026-12-31): EPS=5.38 | Chg30d=+0.145 | Revisions Net=-2 | Growth EPS=+109.0% | Growth Revenue=+28.4%
Additional Sources for GGAL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle