GGAL Stock Analysis: Grupo Financiero Galicia | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 7.627m USD | 12M Return: 21.2% | US3999091008 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 38.1M
EPS Trend: -67.2%
Qual. Beats: 0
Rev. Trend: 58.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 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: 173b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 42.51 > 1.0 |
| NWC/Revenue: -135.5% < 20% (prev -191.1%; Δ 55.59% < -1%) |
| CFO/TA 0.10 > 3% & CFO 5066b > Net Income 173b |
| Net Debt (-3013b) to EBITDA (1418b): -2.12 < 3 |
| Current Ratio: 0.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago 0.01% < -2% |
| Gross Margin: 34.85% > 18% (prev 51.13%; Δ -16.28% > 0.5%) |
| Asset Turnover: 30.51% > 50% (prev 21.51%; Δ 9.00% > 0%) |
| Interest Coverage Ratio: 0.29 > 6 (EBIT TTM 1113b / Interest Expense TTM 3881b) |
| A: -0.36 (Total Current Assets 7376b - Total Current Liabilities 25577b) / Total Assets 50363b |
| B: -0.03 (Retained Earnings -1384b / Total Assets 50363b) |
| C: 0.03 (EBIT TTM 1113b / Avg Total Assets 44030b) |
| D: 0.22 (Book Value of Equity 9198b / Total Liabilities 41165b) |
| Altman-Z'' = -2.06 = D |
| DSRI: 0.15 (Receivables 1305b/5170b, Revenue 13434b/8109b) |
| GMI: 1.47 (GM 51.13% / 34.85%) |
| AQI: 1.02 (AQ_t 0.83 / AQ_t-1 0.81) |
| SGI: 1.66 (Revenue 13434b / 8109b) |
| TATA: -0.10 (NI 173b - CFO 5066b) / TA 50363b) |
| Beneish M = -2.83 (Cap -4..+1) = A |
As of September 04, 2026, the stock is trading at USD 44.63 with a total of 615,741 shares traded. Over the past week, the price has changed by +4.01%, over one month by -11.54%, over three months by -7.46% and over the past year by +21.23%.
Current recommended Stop Loss: 42.30 (which is 5.2% or 1.2 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 | 52.3% |
Market Cap ARS = 11505b (7.63b USD * 1508.4 USD.ARS)
P/E Trailing = 125.0278
P/E Forward = 3.3102
P/S = 0.0012
P/B = 1.1592
P/EG = 0.1751
Revenue TTM = 13434b ARS
EBIT TTM = 1113b ARS
EBITDA TTM = 1418b ARS
Long Term Debt = 2878b ARS (from longTermDebt, last fiscal year)
Short Term Debt = 3652b ARS (from shortTermDebt, last quarter)
Debt = 3058b ARS (from shortLongTermDebtTotal, last quarter) + Leases 44.2b
Net Debt = -3013b ARS (calculated: Debt 3058b - CCE 6071b)
Enterprise Value = 8492b ARS (11505b + Debt 3058b - CCE 6071b)
Interest Coverage Ratio = 0.29 (Ebit TTM 1113b / Interest Expense TTM 3881b)
EV/FCF = 1.79x (Enterprise Value 8492b / FCF TTM 4751b)
FCF Yield = 55.94% (FCF TTM 4751b / Enterprise Value 8492b)
FCF Margin = 35.36% (FCF TTM 4751b / Revenue TTM 13434b)
Net Margin = 1.29% (Net Income TTM 173b / Revenue TTM 13434b)
Gross Margin = 34.85% ((Revenue TTM 13434b - Cost of Revenue TTM 8752b) / Revenue TTM)
Gross Margin QoQ = 19.50% (prev 65.09%)
Tobins Q-Ratio = 0.17 (Enterprise Value 8492b / Total Assets 50363b)
Interest Expense / Debt = 126.9% (Interest Expense 3881b / Debt 3058b)
Taxrate = 21.90% (46.8b / 213b)
NOPAT = 869b (EBIT 1113b * (1 - 21.90%))
Current Ratio = 0.29 (Total Current Assets 7376b / Total Current Liabilities 25577b)
Debt / Equity = 0.33 (Debt 3058b / totalStockholderEquity, last quarter 9198b)
Debt / EBITDA = -2.12 (Net Debt -3013b / EBITDA 1418b)
Debt / FCF = -0.63 (Net Debt -3013b / FCF TTM 4751b)
Total Stockholder Equity = 8162b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.39% (Net Income 173b / Total Assets 50363b)
RoE = 2.12% (Net Income TTM 173b / Total Stockholder Equity 8162b)
RoCE = 10.09% (EBIT 1113b / Capital Employed (Equity 8162b + L.T.Debt 2878b))
RoIC = 1.75% (NOPAT 869b / Invested Capital 49692b)
WACC = 7.07% (E(11505b)/V(14563b) * Re(8.95%) + (debt cost/tax rate unavailable))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.08 | Cagr: 3.72%
[DCF] Terminal Value 75.44% ; FCFF base≈4751b ; Y1≈4770b ; Y5≈5053b
[DCF] Fair Price = 616k (EV 78592b - Net Debt -3013b = Equity 81605b / Shares 132.5m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 616k (out of range, set to none)
EPS Correlation: -67.18 | EPS CAGR: -54.71% | SUE: 0.24 | # QB: 0
Revenue Correlation: 58.43 | Revenue CAGR: 19.20% | SUE: 0.45 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.39 | Chg30d=+16.71% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=4.75 | Chg30d=+9.33% | Revisions=+0% | GrowthEPS=+447.7% | GrowthRev=+41.8%
EPS next Year (2027-12-31): EPS=7.00 | Chg30d=+3.58% | Revisions=+25% | GrowthEPS=+47.5% | GrowthRev=+28.5%
[Analyst] Revisions Ratio: +25% (up=1, down=0)