GGAL Stock Analysis: Grupo Financiero Galicia | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 8.468m USD | 12M Return: 2.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 58.3M
EPS Trend: -48.0%
Qual. Beats: 0
Rev. Trend: 64.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: under 40 is mostly noise, over 50 gets interesting, and over 70 is strong.
Grupo Financiero Galicia S.A. (NASDAQ: GGAL) is an Argentine financial services holding company founded in 1905 and headquartered in Buenos Aires. It operates through four main segments - Bank, Naranja X (its consumer credit card business), Insurance, and Other Businesses - serving both individuals and companies across Argentina.
Its offerings span retail banking products (checking, savings, and time deposits; credit and debit cards), a broad loan portfolio (personal, mortgage, payroll, leasing, and BNPL financing such as AfterPay), insurance (life, home, auto, and personal accident), and capital markets and investment banking services including securities custody, mutual funds, fixed income, stocks, CEDEARs, and foreign trade. As a holding company within the Diversified Banks sub-industry, Galicia derives revenue primarily from net interest income on loans and deposits, fee-based income from cards, insurance, and investment services, all denominated substantially in Argentine pesos and therefore exposed to local currency and macro conditions.
- Argentine inflation surge drives inflation-linked bond portfolio gains
- Naranja X credit portfolio growth outpaces Mercado Pago competition
- Banco Galicia buyout financing increases balance sheet leverage
| Net Income: 87.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 37.31 > 1.0 |
| NWC/Revenue: -139.4% < 20% (prev -76.32%; Δ -63.11% < -1%) |
| CFO/TA 0.10 > 3% & CFO 4296b > Net Income 87.6b |
| Net Debt (-3356b) to EBITDA (382b): -8.78 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago 0.0% < -2% |
| Gross Margin: 42.91% > 18% (prev 53.50%; Δ -10.59% > 0.5%) |
| Asset Turnover: 33.95% > 50% (prev 24.48%; Δ 9.47% > 0%) |
| Interest Coverage Ratio: 0.04 > 6 (EBIT TTM 163b / Interest Expense TTM 3881b) |
| A: -0.42 (Total Current Assets 6648b - Total Current Liabilities 25577b) / Total Assets 45155b |
| B: -0.03 (Retained Earnings -1384b / Total Assets 45155b) |
| C: 0.00 (EBIT TTM 163b / Avg Total Assets 39984b) |
| D: 0.23 (Book Value of Equity 8589b / Total Liabilities 36566b) |
| Altman-Z'' = -2.58 = D |
| DSRI: 0.96 (Receivables 7940b/5170b, Revenue 13576b/8522b) |
| GMI: 1.25 (GM 53.50% / 42.91%) |
| AQI: 1.47 (AQ_t 0.82 / AQ_t-1 0.56) |
| SGI: 1.59 (Revenue 13576b / 8522b) |
| TATA: -0.09 (NI 87.6b - CFO 4296b) / TA 45155b) |
| Beneish M = -2.14 (Cap -4..+1) = BB |
As of July 02, 2026, the stock is trading at USD 50.03 with a total of 674,571 shares traded. Over the past week, the price has changed by -0.10%, over one month by -4.12%, over three months by +7.56% and over the past year by +2.92%.
Current recommended Stop Loss: 46.80 (which is 6.5% or 1.4 ATR below the current price).
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
| Analysts Target Price | 68.6 | 37.1% |
Market Cap ARS = 12566b (8.47b USD * 1484.0 USD.ARS)
P/E Trailing = 138.8056
P/E Forward = 3.3102
P/S = 0.0014
P/B = 1.3824
P/EG = 0.1751
Revenue TTM = 13576b ARS
EBIT TTM = 163b ARS
EBITDA TTM = 382b ARS
Long Term Debt = 3248b ARS (from longTermDebt, last quarter)
Short Term Debt = 677b ARS (from shortTermDebt, last quarter)
Debt = 3292b ARS (from shortLongTermDebtTotal, last quarter) + Leases 44.2b
Net Debt = -3356b ARS (calculated: Debt 3292b - CCE 6648b)
Enterprise Value = 9210b ARS (12566b + Debt 3292b - CCE 6648b)
Interest Coverage Ratio = 0.04 (Ebit TTM 163b / Interest Expense TTM 3881b)
EV/FCF = 2.26x (Enterprise Value 9210b / FCF TTM 4080b)
FCF Yield = 44.30% (FCF TTM 4080b / Enterprise Value 9210b)
FCF Margin = 30.05% (FCF TTM 4080b / Revenue TTM 13576b)
Net Margin = 0.65% (Net Income TTM 87.6b / Revenue TTM 13576b)
Gross Margin = 42.91% ((Revenue TTM 13576b - Cost of Revenue TTM 7751b) / Revenue TTM)
Gross Margin QoQ = 65.09% (prev 20.16%)
Tobins Q-Ratio = 0.20 (Enterprise Value 9210b / Total Assets 45155b)
Interest Expense / Debt = 117.9% (Interest Expense 3881b / Debt 3292b)
Taxrate = 7.51% (6.58b / 87.6b)
NOPAT = 151b (EBIT 163b * (1 - 7.51%))
Current Ratio = 0.26 (Total Current Assets 6648b / Total Current Liabilities 25577b)
Debt / Equity = 0.38 (Debt 3292b / totalStockholderEquity, last quarter 8589b)
Debt / EBITDA = -8.78 (Net Debt -3356b / EBITDA 382b)
Debt / FCF = -0.82 (Net Debt -3356b / FCF TTM 4080b)
Total Stockholder Equity = 7594b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.22% (Net Income 87.6b / Total Assets 45155b)
RoE = 1.15% (Net Income TTM 87.6b / Total Stockholder Equity 7594b)
RoCE = 1.50% (EBIT 163b / Capital Employed (Equity 7594b + L.T.Debt 3248b))
RoIC = 0.77% (NOPAT 151b / Invested Capital 19576b)
WACC = 7.28% (E(12566b)/V(15858b) * Re(9.19%) + (debt cost/tax rate unavailable))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.33 | Cagr: 14.17%
[DCF] Terminal Value 75.44% ; FCFF base≈4080b ; Y1≈4097b ; Y5≈4340b
[DCF] Fair Price = 535k (EV 67494b - Net Debt -3356b = Equity 70851b / Shares 132.5m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 535k (out of range, set to none)
EPS Correlation: -47.99 | EPS CAGR: -39.66% | SUE: -0.72 | # QB: 0
Revenue Correlation: 64.71 | Revenue CAGR: 38.66% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.05 | Chg30d=-5.17% | Revisions=-20% | Analysts=2
EPS current Year (2026-12-31): EPS=3.61 | Chg30d=-9.86% | Revisions=-20% | GrowthEPS=+316.0% | GrowthRev=+45.2%
EPS next Year (2027-12-31): EPS=6.54 | Chg30d=-1.54% | Revisions=-20% | GrowthEPS=+81.4% | GrowthRev=+26.1%
[Analyst] Revisions Ratio: -20%