Overview Dividends

(GGAL) Grupo Financiero Galicia - Ratings and Ratios

Exchange: NASDAQ • Country: Argentina • Currency: USD • Type: Common Stock • ISIN: US3999091008

Banking, Insurance, Cards, Loans, Investments

GGAL EPS (Earnings per Share)

EPS Growth (3Y CAGR): -46.50%
EPS Trend (3Y Correlation): 24.1%

GGAL Revenue

Revenue Growth (3Y CAGR): 87.88%
Revenue Trend (3Y Correlation): 45.6%

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.

GGAL Stock Overview

Market Cap in USD	5,849m
Sub-Industry	Diversified Banks
IPO / Inception	2000-07-25

GGAL Stock Ratings

Growth Rating	38.4%
Fundamental	52.3%
Dividend Rating	59.1%
Return 12m vs S&P 500	-9.47%
Analyst Rating	4.60 of 5

GGAL Dividends

Dividend Yield 12m	1.52%
Yield on Cost 5y	13.17%
Annual Growth 5y	131.91%
Payout Consistency	51.6%
Payout Ratio	0.7%

GGAL Growth Ratios

Growth Correlation 3m	6.4%
Growth Correlation 12m	-69.6%
Growth Correlation 5y	90.3%
CAGR 5y	106.31%
CAGR/Max DD 3y (Calmar Ratio)	1.69
CAGR/Mean DD 3y (Pain Ratio)	7.48
Sharpe Ratio 12m	-1.11
Alpha	-2.06
Beta	0.516
Volatility	67.39%
Current Volume	3212.1k
Average Volume 20d	3308.1k
Stop Loss	51.6 (-7%)
Signal	0.26

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (1138.97b TTM) > 0 and > 6% of Revenue (6% = 420.58b TTM)

FCFTA -0.33 (>2.0%) and ΔFCFTA -25.44pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -221.0% (prev -84.69%; Δ -136.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.32 (>3.0%) and CFO -12218.02b <= Net Income 1138.97b (YES >=105%, WARN >=100%)

Net Debt (-3851.27b) to EBITDA (621.90b) ratio: -6.19 <= 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 75.92% (prev 94.02%; Δ -18.10pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 25.42% (prev 41.59%; Δ -16.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.23 (EBITDA TTM 621.90b / 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

(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) 52.33

1. Piotroski 3.0pt = -2.0

2. FCF Yield data missing

3. FCF Margin data missing

4. Debt/Equity 0.32 = 2.45

5. Debt/Ebitda -6.19 = 2.50

6. ROIC - WACC (= -5.52)% = -6.90

7. RoE 19.86% = 1.65

8. Rev. Trend 45.58% = 3.42

9. EPS Trend 24.13% = 1.21

What is the price of GGAL shares?

As of November 08, 2025, the stock is trading at USD 55.49 with a total of 3,212,087 shares traded.
Over the past week, the price has changed by -5.94%, over one month by +100.06%, over three months by +8.70% and over the past year by +3.22%.

Is Grupo Financiero Galicia a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Grupo Financiero Galicia is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 52.33 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GGAL is around 67.62 USD . This means that GGAL is currently undervalued and has a potential upside of +21.86% (Margin of Safety).

Is GGAL a buy, sell or hold?

Grupo Financiero Galicia has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy GGAL.

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	55.1	-0.6%
Analysts Target Price	55.1	-0.6%
ValueRay Target Price	77.2	39.1%

GGAL Fundamental Data Overview October 27, 2025

Market Cap ARS = 8276.20b (5.85b USD * 1415.0 USD.ARS)
P/E Trailing = 5.6507
P/E Forward = 3.465
P/S = 0.0011
P/B = 0.9225
P/EG = 0.75
Beta = 0.516
Revenue TTM = 7009.68b ARS
EBIT TTM = 493.54b ARS
EBITDA TTM = 621.90b ARS
Long Term Debt = 2223.23b ARS (from longTermDebt, last quarter)
Short Term Debt = 389.70b ARS (from shortTermDebt, last fiscal year)
Debt = 2223.23b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -3851.27b ARS (from netDebt column, last quarter)
Enterprise Value = 4424.93b ARS (8276.20b + Debt 2223.23b - CCE 6074.50b)
Interest Coverage Ratio = 0.23 (Ebit TTM 493.54b / Interest Expense TTM 2192.34b)
FCF Yield = -281.8% (FCF TTM -12469.29b / Enterprise Value 4424.93b)
FCF Margin = -177.9% (FCF TTM -12469.29b / Revenue TTM 7009.68b)
Net Margin = 16.25% (Net Income TTM 1138.97b / Revenue TTM 7009.68b)
Gross Margin = 75.92% ((Revenue TTM 7009.68b - Cost of Revenue TTM 1688.16b) / Revenue TTM)
Gross Margin QoQ = 72.97% (prev 78.32%)
Tobins Q-Ratio = 0.12 (Enterprise Value 4424.93b / Total Assets 37696.05b)
Interest Expense / Debt = 36.89% (Interest Expense 820.13b / Debt 2223.23b)
Taxrate = 37.41% (103.19b / 275.86b)
NOPAT = 308.92b (EBIT 493.54b * (1 - 37.41%))
Current Ratio = 0.28 (Total Current Assets 6074.50b / Total Current Liabilities 21568.24b)
Debt / Equity = 0.32 (Debt 2223.23b / totalStockholderEquity, last quarter 6927.26b)
Debt / EBITDA = -6.19 (Net Debt -3851.27b / EBITDA 621.90b)
Debt / FCF = 0.31 (negative FCF - burning cash) (Net Debt -3851.27b / FCF TTM -12469.29b)
Total Stockholder Equity = 5735.47b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 5735.47b + L.T.Debt 2223.23b))
RoIC = 5.62% (NOPAT 308.92b / Invested Capital 5501.27b)
WACC = 11.13% (E(8276.20b)/V(10499.43b) * Re(7.92%) + D(2223.23b)/V(10499.43b) * Rd(36.89%) * (1-Tc(0.37)))
Discount Rate = 7.92% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
Fair Price DCF = unknown (Cash Flow -12469.29b)
EPS Correlation: 24.13 | EPS CAGR: -46.50% | SUE: -0.03 | # QB: 0
Revenue Correlation: 45.58 | Revenue CAGR: 87.88% | SUE: 0.65 | # QB: 0

Additional Sources for GGAL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle