(GGAL) Grupo Financiero Galicia - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NASDAQ (USA) | Currency USD | Market Cap: 7.161m | Total Return -19.2% in 12m
Stock
Banking, Cards, Insurance, Investments, Financing
Total Rating 30
Risk 38
Buy Signal -1.46
Market Cap:
7,161m
Avg Trading Vol: 53.1M USD
Avg Trading Vol: 53.1M USD
ATR:
5.41%
Peers RS (IBD): 8.3
Peers RS (IBD): 8.3
Risk 5d forecast
Volatility61.9%
Rel. Tail Risk-14.2%
Reward TTM
Sharpe Ratio-0.02
Alpha-36.22
Character TTM
Beta0.948
Beta Downside0.060
Drawdowns 3y
Max DD62.95%
CAGR/Max DD1.08
EPS (Earnings per Share)
EPS CAGR: -44.25%
EPS Trend: 37.5%
EPS Trend: 37.5%
Last SUE: -0.02
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 157.51%
Rev. Trend: 35.8%
Rev. Trend: 35.8%
Last SUE: 2.91
Qual. Beats: 1
Qual. Beats: 1
Risks
Technicals:
volatile
Description: GGAL Grupo Financiero Galicia
March 06, 2026
Grupo Financiero Galicia S.A. is an Argentine financial services holding company. It provides a range of financial products to individuals and businesses, operating through distinct segments including banking, digital financial services (Naranja X), insurance, and other ventures. Diversified banks like GGAL typically offer a wide array of services to mitigate risk and capture various revenue streams.
The companys offerings include various deposit accounts, multiple loan types (personal, mortgage, credit card), and a suite of digital banking tools. They also provide investment products such as mutual funds and asset management, alongside foreign trade services and capital market solutions. The financial sector often sees companies expand into digital platforms to enhance customer reach and service efficiency.
Furthermore, GGAL offers a comprehensive portfolio of insurance products, covering areas like property, life, and personal accident. They also engage in payment solutions, brokerage, and private banking for high-net-worth individuals. For a deeper dive into GGALs financial health and market position, consider exploring ValueRays detailed reports.
- Argentine macroeconomic instability impacts loan demand and credit quality
- Interest rate fluctuations affect net interest margin
- Regulatory changes in Argentine financial sector create compliance costs
- Naranja X digital banking growth drives customer acquisition
- Insurance segment performance diversifies revenue streams
Piotroski VR‑10 (Strict, 0-10)
5.0
| Net Income: 183.72b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 30.82 > 1.0 |
| NWC/Revenue: -91.11% < 20% (prev 30.55%; Δ -121.7% < -1%) |
| CFO/TA 0.05 > 3% & CFO 2441.10b > Net Income 183.72b |
| Net Debt (-5425.04b) to EBITDA (536.32b): -10.12 < 3 |
| Current Ratio: 0.58 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago 6.50% < -2% |
| Gross Margin: 41.26% > 18% (prev 0.77%; Δ 4.05k% > 0.5%) |
| Asset Turnover: 34.52% > 50% (prev 31.13%; Δ 3.39% > 0%) |
| Interest Coverage Ratio: 0.17 > 6 (EBITDA TTM 536.32b / Interest Expense TTM 1976.78b) |
Altman Z''
-1.57
| A: -0.27 (Total Current Assets 17360.05b - Total Current Liabilities 29705.03b) / Total Assets 45779.14b |
| B: 0.00 (Retained Earnings 170.00b / Total Assets 45779.14b) |
| C: 0.01 (EBIT TTM 330.04b / Avg Total Assets 39252.18b) |
| D: 0.12 (Book Value of Equity 4640.97b / Total Liabilities 38012.31b) |
| Altman-Z'' Score: -1.57 = D |
Beneish M
-1.83
| DSRI: 1.50 (Receivables 947.06b/474.65b, Revenue 13550.16b/10187.69b) |
| GMI: 1.86 (GM 41.26% / 76.81%) |
| AQI: 0.70 (AQ_t 0.60 / AQ_t-1 0.85) |
| SGI: 1.33 (Revenue 13550.16b / 10187.69b) |
| TATA: -0.05 (NI 183.72b - CFO 2441.10b) / TA 45779.14b) |
| Beneish M-Score: -1.83 (Cap -4..+1) = B |
What is the price of GGAL shares?
As of March 30, 2026, the stock is trading at USD 42.70 with a total of 1,149,232 shares traded.
Over the past week, the price has changed by -6.05%, over one month by -4.47%, over three months by -21.50% and over the past year by -19.24%.
Over the past week, the price has changed by -6.05%, over one month by -4.47%, over three months by -21.50% and over the past year by -19.24%.
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.
- StrongBuy: 3
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the GGAL price?
| ISSUER | TARGET | UP/DOWN |
|---|---|---|
| Wallstreet Target Price | 68.2 | 59.7% |
| Analysts Target Price | 68.2 | 59.7% |
GGAL Fundamental Data Overview
March 30, 2026
Market Cap ARS = 9837.33b (7.16b USD * 1373.75 USD.ARS)P/E Trailing = 47.9775
P/E Forward = 3.3102
P/S = 0.0011
P/B = 1.2384
P/EG = 0.1751
Revenue TTM = 13550.16b ARS
EBIT TTM = 330.04b ARS
EBITDA TTM = 536.32b ARS
Long Term Debt = 2877.90b ARS (from longTermDebt, last quarter)
Short Term Debt = 3102.28b ARS (from shortTermDebt, last quarter)
Debt = 3645.28b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -5425.04b ARS (from netDebt column, last quarter)
Enterprise Value = 4412.29b ARS (9837.33b + Debt 3645.28b - CCE 9070.32b)
Interest Coverage Ratio = 0.17 (Ebit TTM 330.04b / Interest Expense TTM 1976.78b)
EV/FCF = 2.01x (Enterprise Value 4412.29b / FCF TTM 2193.69b)
FCF Yield = 49.72% (FCF TTM 2193.69b / Enterprise Value 4412.29b)
FCF Margin = 16.19% (FCF TTM 2193.69b / Revenue TTM 13550.16b)
Net Margin = 1.36% (Net Income TTM 183.72b / Revenue TTM 13550.16b)
Gross Margin = 41.26% ((Revenue TTM 13550.16b - Cost of Revenue TTM 7959.55b) / Revenue TTM)
Gross Margin QoQ = 20.16% (prev 62.66%)
Tobins Q-Ratio = 0.10 (Enterprise Value 4412.29b / Total Assets 45779.14b)
Interest Expense / Debt = 35.02% (Interest Expense 1276.44b / Debt 3645.28b)
Taxrate = 32.45% (107.09b / 330.04b)
NOPAT = 222.96b (EBIT 330.04b * (1 - 32.45%))
Current Ratio = 0.58 (Total Current Assets 17360.05b / Total Current Liabilities 29705.03b)
Debt / Equity = 0.47 (Debt 3645.28b / totalStockholderEquity, last quarter 7766.54b)
Debt / EBITDA = -10.12 (Net Debt -5425.04b / EBITDA 536.32b)
Debt / FCF = -2.47 (Net Debt -5425.04b / FCF TTM 2193.69b)
Total Stockholder Equity = 6818.50b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 183.72b / Total Assets 45779.14b)
RoE = 2.69% (Net Income TTM 183.72b / Total Stockholder Equity 6818.50b)
RoCE = 3.40% (EBIT 330.04b / Capital Employed (Equity 6818.50b + L.T.Debt 2877.90b))
RoIC = 3.02% (NOPAT 222.96b / Invested Capital 7382.09b)
WACC = 13.20% (E(9837.33b)/V(13482.61b) * Re(9.32%) + D(3645.28b)/V(13482.61b) * Rd(35.02%) * (1-Tc(0.32)))
Discount Rate = 9.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
[DCF] Terminal Value 66.49% ; FCFF base≈2193.69b ; Y1≈2706.23b ; Y5≈4617.23b
[DCF] Fair Price = 326k (EV 37747.25b - Net Debt -5425.04b = Equity 43172.29b / Shares 132.5m; r=13.20% [WACC]; 5y FCF grow 25.0% → 3.0% )
[DCF] Fair Price = 326k (out of range, set to none)
EPS Correlation: 37.54 | EPS CAGR: -44.25% | SUE: -0.02 | # QB: 0
Revenue Correlation: 35.80 | Revenue CAGR: 157.5% | SUE: 2.91 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.02 | Chg7d=+0.000 | Chg30d=+0.040 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.63 | Chg7d=+0.000 | Chg30d=-0.442 | Revisions Net=-3 | Growth EPS=+434.3% | Growth Revenue=+40.5%
EPS next Year (2027-12-31): EPS=8.02 | Chg7d=+0.000 | Chg30d=-0.187 | Revisions Net=-2 | Growth EPS=+73.2% | Growth Revenue=+23.4%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.2% (Discount Rate 9.3% - Earnings Yield 2.1%)
[Growth] Growth Spread = +45.4% (Analyst 52.7% - Implied 7.2%)