(GGAL) Grupo Financiero Galicia - Overview
Exchange: NASDAQ •
Country: Argentina •
Currency: USD •
Type: Common Stock •
ISIN: US3999091008
Stock: Banking, Cards, Insurance, Investments, Financing
Total Rating 17
Risk 24
Buy Signal -1.41
| Risk 5d forecast | |
|---|---|
| Volatility | 65.1% |
| Relative Tail Risk | -14.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.05 |
| Alpha | -42.15 |
| Character TTM | |
|---|---|
| Beta | 0.934 |
| Beta Downside | -0.307 |
| Drawdowns 3y | |
|---|---|
| Max DD | 62.95% |
| CAGR/Max DD | 1.00 |
EPS (Earnings per Share)
Revenue
Risks
Technicals:
choppy
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.
Headlines to watch out for
- 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) 4.0
| Net Income: 899.49b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.07 > 0.02 and ΔFCF/TA 4.89 > 1.0 |
| NWC/Revenue: -192.0% < 20% (prev 67.32%; Δ -259.4% < -1%) |
| CFO/TA -0.06 > 3% & CFO -2541.65b > Net Income 899.49b |
| Net Debt (-5969.86b) to EBITDA (532.35b): -11.21 < 3 |
| Current Ratio: 0.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago 8.54% < -2% |
| Gross Margin: 70.90% > 18% (prev 0.78%; Δ 7012 % > 0.5%) |
| Asset Turnover: 25.40% > 50% (prev 46.47%; Δ -21.07% > 0%) |
| Interest Coverage Ratio: 0.22 > 6 (EBITDA TTM 532.35b / Interest Expense TTM 1520.47b) |
Altman Z'' -1.88
| A: -0.38 (Total Current Assets 8694.16b - Total Current Liabilities 24540.64b) / Total Assets 41995.96b |
| B: 0.10 (Retained Earnings 4354.02b / Total Assets 41995.96b) |
| C: 0.01 (EBIT TTM 337.20b / Avg Total Assets 32485.68b) |
| D: 0.18 (Book Value of Equity 6294.64b / Total Liabilities 34903.39b) |
| Altman-Z'' Score: -1.88 = D |
Beneish M 1.00
| DSRI: 6.45 (Receivables 5936.80b/1190.52b, Revenue 8251.50b/10677.04b) |
| GMI: 1.10 (GM 70.90% / 77.88%) |
| AQI: 1.23 (AQ_t 0.77 / AQ_t-1 0.62) |
| SGI: 0.77 (Revenue 8251.50b / 10677.04b) |
| TATA: 0.08 (NI 899.49b - CFO -2541.65b) / TA 41995.96b) |
| Beneish M-Score: 1.61 (Cap -4..+1) = D |
What is the price of GGAL shares?
As of March 09, 2026, the stock is trading at USD 41.74 with a total of 1,602,554 shares traded.
Over the past week, the price has changed by -5.82%, over one month by -16.23%, over three months by -15.78% and over the past year by -20.53%.
Over the past week, the price has changed by -5.82%, over one month by -16.23%, over three months by -15.78% and over the past year by -20.53%.
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 from current |
|---|---|---|
| Wallstreet Target Price | 68 | 63% |
| Analysts Target Price | 68 | 63% |
GGAL Fundamental Data Overview March 09, 2026
Market Cap ARS = 9559.97b (6.79b USD * 1407.5 USD.ARS)
P/E Trailing = 57.1781
P/E Forward = 3.3102
P/S = 0.0011
P/B = 1.2144
P/EG = 0.1751
Revenue TTM = 8251.50b ARS
EBIT TTM = 337.20b ARS
EBITDA TTM = 532.35b ARS
Long Term Debt = 2724.30b ARS (from longTermDebt, last quarter)
Short Term Debt = 389.70b ARS (from shortTermDebt, last fiscal year)
Debt = 2724.30b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -5969.86b ARS (from netDebt column, last quarter)
Enterprise Value = 3590.11b ARS (9559.97b + Debt 2724.30b - CCE 8694.16b)
Interest Coverage Ratio = 0.22 (Ebit TTM 337.20b / Interest Expense TTM 1520.47b)
EV/FCF = -1.28x (Enterprise Value 3590.11b / FCF TTM -2799.19b)
FCF Yield = -77.97% (FCF TTM -2799.19b / Enterprise Value 3590.11b)
FCF Margin = -33.92% (FCF TTM -2799.19b / Revenue TTM 8251.50b)
Net Margin = 10.90% (Net Income TTM 899.49b / Revenue TTM 8251.50b)
Gross Margin = 70.90% ((Revenue TTM 8251.50b - Cost of Revenue TTM 2401.60b) / Revenue TTM)
Gross Margin QoQ = 62.66% (prev 72.97%)
Tobins Q-Ratio = 0.09 (Enterprise Value 3590.11b / Total Assets 41995.96b)
Interest Expense / Debt = 25.71% (Interest Expense 700.34b / Debt 2724.30b)
Taxrate = 26.53% (586.61b / 2211.22b)
NOPAT = 247.74b (EBIT 337.20b * (1 - 26.53%))
Current Ratio = 0.35 (Total Current Assets 8694.16b / Total Current Liabilities 24540.64b)
Debt / Equity = 0.38 (Debt 2724.30b / totalStockholderEquity, last quarter 7092.57b)
Debt / EBITDA = -11.21 (Net Debt -5969.86b / EBITDA 532.35b)
Debt / FCF = 2.13 (negative FCF - burning cash) (Net Debt -5969.86b / FCF TTM -2799.19b)
Total Stockholder Equity = 6395.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.77% (Net Income 899.49b / Total Assets 41995.96b)
RoE = 14.06% (Net Income TTM 899.49b / Total Stockholder Equity 6395.84b)
RoCE = 3.70% (EBIT 337.20b / Capital Employed (Equity 6395.84b + L.T.Debt 2724.30b))
RoIC = 3.72% (NOPAT 247.74b / Invested Capital 6666.13b)
WACC = 11.47% (E(9559.97b)/V(12284.27b) * Re(9.36%) + D(2724.30b)/V(12284.27b) * Rd(25.71%) * (1-Tc(0.27)))
Discount Rate = 9.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
[DCF] Fair Price = unknown (Cash Flow -2799.19b)
EPS Correlation: 37.54 | EPS CAGR: -44.25% | SUE: -0.02 | # QB: 0
Revenue Correlation: 30.90 | Revenue CAGR: 83.38% | SUE: 0.43 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.69 | Chg7d=-0.290 | Chg30d=-0.522 | Revisions Net=-2 | Analysts=1
EPS current Year (2026-12-31): EPS=4.85 | Chg7d=-0.225 | Chg30d=-0.366 | Revisions Net=-3 | Growth EPS=+0.0% | Growth Revenue=+0.0%
EPS next Year (2027-12-31): EPS=7.48 | Chg7d=-0.734 | Chg30d=-0.609 | Revisions Net=-2 | Growth EPS=+54.2% | Growth Revenue=+18.8%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.6% (Discount Rate 9.4% - Earnings Yield 1.7%)
[Growth] Growth Spread = +58.9% (Analyst 66.5% - Implied 7.6%)
P/E Trailing = 57.1781
P/E Forward = 3.3102
P/S = 0.0011
P/B = 1.2144
P/EG = 0.1751
Revenue TTM = 8251.50b ARS
EBIT TTM = 337.20b ARS
EBITDA TTM = 532.35b ARS
Long Term Debt = 2724.30b ARS (from longTermDebt, last quarter)
Short Term Debt = 389.70b ARS (from shortTermDebt, last fiscal year)
Debt = 2724.30b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -5969.86b ARS (from netDebt column, last quarter)
Enterprise Value = 3590.11b ARS (9559.97b + Debt 2724.30b - CCE 8694.16b)
Interest Coverage Ratio = 0.22 (Ebit TTM 337.20b / Interest Expense TTM 1520.47b)
EV/FCF = -1.28x (Enterprise Value 3590.11b / FCF TTM -2799.19b)
FCF Yield = -77.97% (FCF TTM -2799.19b / Enterprise Value 3590.11b)
FCF Margin = -33.92% (FCF TTM -2799.19b / Revenue TTM 8251.50b)
Net Margin = 10.90% (Net Income TTM 899.49b / Revenue TTM 8251.50b)
Gross Margin = 70.90% ((Revenue TTM 8251.50b - Cost of Revenue TTM 2401.60b) / Revenue TTM)
Gross Margin QoQ = 62.66% (prev 72.97%)
Tobins Q-Ratio = 0.09 (Enterprise Value 3590.11b / Total Assets 41995.96b)
Interest Expense / Debt = 25.71% (Interest Expense 700.34b / Debt 2724.30b)
Taxrate = 26.53% (586.61b / 2211.22b)
NOPAT = 247.74b (EBIT 337.20b * (1 - 26.53%))
Current Ratio = 0.35 (Total Current Assets 8694.16b / Total Current Liabilities 24540.64b)
Debt / Equity = 0.38 (Debt 2724.30b / totalStockholderEquity, last quarter 7092.57b)
Debt / EBITDA = -11.21 (Net Debt -5969.86b / EBITDA 532.35b)
Debt / FCF = 2.13 (negative FCF - burning cash) (Net Debt -5969.86b / FCF TTM -2799.19b)
Total Stockholder Equity = 6395.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.77% (Net Income 899.49b / Total Assets 41995.96b)
RoE = 14.06% (Net Income TTM 899.49b / Total Stockholder Equity 6395.84b)
RoCE = 3.70% (EBIT 337.20b / Capital Employed (Equity 6395.84b + L.T.Debt 2724.30b))
RoIC = 3.72% (NOPAT 247.74b / Invested Capital 6666.13b)
WACC = 11.47% (E(9559.97b)/V(12284.27b) * Re(9.36%) + D(2724.30b)/V(12284.27b) * Rd(25.71%) * (1-Tc(0.27)))
Discount Rate = 9.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
[DCF] Fair Price = unknown (Cash Flow -2799.19b)
EPS Correlation: 37.54 | EPS CAGR: -44.25% | SUE: -0.02 | # QB: 0
Revenue Correlation: 30.90 | Revenue CAGR: 83.38% | SUE: 0.43 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.69 | Chg7d=-0.290 | Chg30d=-0.522 | Revisions Net=-2 | Analysts=1
EPS current Year (2026-12-31): EPS=4.85 | Chg7d=-0.225 | Chg30d=-0.366 | Revisions Net=-3 | Growth EPS=+0.0% | Growth Revenue=+0.0%
EPS next Year (2027-12-31): EPS=7.48 | Chg7d=-0.734 | Chg30d=-0.609 | Revisions Net=-2 | Growth EPS=+54.2% | Growth Revenue=+18.8%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.6% (Discount Rate 9.4% - Earnings Yield 1.7%)
[Growth] Growth Spread = +58.9% (Analyst 66.5% - Implied 7.6%)