(GGAL) Grupo Financiero Galicia - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 8.164m USD | Total Return: -15.1% in 12m
Avg Turnover: 43.3M
EPS Trend: -48.0%
Qual. Beats: 0
Rev. Trend: 63.9%
Qual. Beats: 0
Warnings
P/E ratio 126.8
Extended 1w
Tailwinds
No distinct edge detected
Grupo Financiero Galicia S.A. (GGAL) is an Argentinian financial holding company headquartered in Buenos Aires. Founded in 1905, the firm operates through four primary segments: Bank, Naranja X, Insurance, and Other Businesses. Its service suite includes traditional retail banking, corporate financing, insurance underwriting, and investment banking services such as asset custody and capital market issuances.
The company utilizes a diversified business model that integrates digital fintech solutions through Naranja X with traditional commercial banking to capture a broad demographic in the Argentinian market. As a systemic player in a volatile emerging market, its revenue is heavily influenced by domestic interest rate policies and inflation-adjusted lending products. Investors may find it useful to evaluate these regional economic factors on ValueRay to better understand the stocks risk profile.
GGAL serves both individual and corporate clients, offering specialized products such as agricultural input financing and electronic credit invoice discounting. This dual focus allows the firm to maintain exposure to Argentina’s key economic sectors while providing essential consumer credit and payment processing infrastructure.
- Argentine inflation rates and monetary policy impact net interest margins
- Political stability and deregulation drive capital inflows to financial assets
- Consumer credit demand fluctuates with domestic economic recovery cycles
- Digital banking expansion through Naranja X reduces operational overhead costs
- Sovereign debt restructuring outcomes influence valuation of bank asset holdings
| Net Income: 86.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 43.11 > 1.0 |
| NWC/Revenue: -177.0% < 20% (prev -144.7%; Δ -32.29% < -1%) |
| CFO/TA 0.09 > 3% & CFO 4296b > Net Income 86.3b |
| Net Debt (-3375b) to EBITDA (349b): -9.67 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.1m) vs 12m ago -82.49% < -2% |
| Gross Margin: 40.55% > 18% (prev 0.76%; Δ 3.98k% > 0.5%) |
| Asset Turnover: 35.04% > 50% (prev 29.54%; Δ 5.50% > 0%) |
| Interest Coverage Ratio: 0.08 > 6 (EBITDA TTM 349b / Interest Expense TTM 2161b) |
| A: -0.51 (Total Current Assets 6684b - Total Current Liabilities 29705b) / Total Assets 45400b |
| B: 0.01 (Retained Earnings 254b / Total Assets 45400b) |
| C: 0.00 (EBIT TTM 163b / Avg Total Assets 37125b) |
| D: 0.14 (Book Value of Equity 5196b / Total Liabilities 36764b) |
| Altman-Z'' = -3.13 = D |
| DSRI: 0.10 (Receivables 1146b/7233b, Revenue 13007b/8522b) |
| GMI: 1.88 (GM 40.55% / 76.25%) |
| AQI: 1.07 (AQ_t 0.82 / AQ_t-1 0.77) |
| SGI: 1.53 (Revenue 13007b / 8522b) |
| TATA: -0.09 (NI 86.3b - CFO 4296b) / TA 45400b) |
| Beneish M = -2.64 (Cap -4..+1) = A |
As of May 29, 2026, the stock is trading at USD 48.83 with a total of 2,482,528 shares traded.
Over the past week, the price has changed by +16.21%,
over one month by +14.18%,
over three months by +11.77% and
over the past year by -15.06%.
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 | 67.4 | 38% |
Market Cap ARS = 11530b (8.16b USD * 1412.25 USD.ARS)
P/E Trailing = 126.7895
P/E Forward = 3.3102
P/S = 0.0013
P/B = 1.2624
P/EG = 0.1751
Revenue TTM = 13007b ARS
EBIT TTM = 163b ARS
EBITDA TTM = 349b ARS
Long Term Debt = 3248b ARS (from longTermDebt, last quarter)
Short Term Debt = 2992b ARS (from shortTermDebt, last quarter)
Debt = 3310b ARS (from shortLongTermDebtTotal, last quarter) + Leases 44.2b
Net Debt = -3375b ARS (calculated: Debt 3310b - CCE 6684b)
Enterprise Value = 8155b ARS (11530b + Debt 3310b - CCE 6684b)
Interest Coverage Ratio = 0.08 (Ebit TTM 163b / Interest Expense TTM 2161b)
EV/FCF = 2.00x (Enterprise Value 8155b / FCF TTM 4080b)
FCF Yield = 50.03% (FCF TTM 4080b / Enterprise Value 8155b)
FCF Margin = 31.37% (FCF TTM 4080b / Revenue TTM 13007b)
Net Margin = 0.66% (Net Income TTM 86.3b / Revenue TTM 13007b)
Gross Margin = 40.55% ((Revenue TTM 13007b - Cost of Revenue TTM 7733b) / Revenue TTM)
Gross Margin QoQ = 55.98% (prev 20.16%)
Tobins Q-Ratio = 0.18 (Enterprise Value 8155b / Total Assets 45400b)
Interest Expense / Debt = 65.30% (Interest Expense 2161b / Debt 3310b)
Taxrate = 2.07% (1.40b / 67.8b)
NOPAT = 159b (EBIT 163b * (1 - 2.07%))
Current Ratio = 0.23 (Total Current Assets 6684b / Total Current Liabilities 29705b)
Debt / Equity = 0.38 (Debt 3310b / totalStockholderEquity, last quarter 8636b)
Debt / EBITDA = -9.67 (Net Debt -3375b / EBITDA 349b)
Debt / FCF = -0.83 (Net Debt -3375b / FCF TTM 4080b)
Total Stockholder Equity = 7606b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.23% (Net Income 86.3b / Total Assets 45400b)
RoE = 1.13% (Net Income TTM 86.3b / Total Stockholder Equity 7606b)
RoCE = 1.50% (EBIT 163b / Capital Employed (Equity 7606b + L.T.Debt 3248b))
RoIC = 0.85% (NOPAT 159b / Invested Capital 18687b)
WACC = 7.10% (E(11530b)/V(14840b) * Re(9.14%) + (debt cost/tax rate unavailable))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 44.72 | Cagr: -47.37%
[DCF] Terminal Value 75.44% ; FCFF base≈4080b ; Y1≈4097b ; Y5≈4340b
[DCF] Fair Price = 535k (EV 67494b - Net Debt -3375b = Equity 70869b / 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: 63.92 | Revenue CAGR: 37.75% | SUE: 0.44 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.70 | Chg30d=-31.27% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.11 | Chg30d=-14.10% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=4.00 | Chg30d=-12.48% | Revisions=-20% | GrowthEPS=+361.5% | GrowthRev=+43.3%
EPS next Year (2027-12-31): EPS=6.64 | Chg30d=-12.41% | Revisions=-20% | GrowthEPS=+66.1% | GrowthRev=+29.2%
[Analyst] Revisions Ratio: +20%