(GGAL) Grupo Financiero Galicia - Overview
Exchange: NASDAQ •
Country: Argentina •
Currency: USD •
Type: Common Stock •
ISIN: US3999091008
Stock: Banking, Cards, Insurance, Investments, Financing
Total Rating 31
Risk 47
Buy Signal -1.21
| Risk 5d forecast | |
|---|---|
| Volatility | 62.5% |
| Relative Tail Risk | -13.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.01 |
| Alpha | -38.31 |
| Character TTM | |
|---|---|
| Beta | 0.912 |
| Beta Downside | -0.248 |
| Drawdowns 3y | |
|---|---|
| Max DD | 62.95% |
| CAGR/Max DD | 1.11 |
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) 5.5
| Net Income: 183.72b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 32.02 > 1.0 |
| NWC/Revenue: 44.04% < 20% (prev 30.55%; Δ 13.49% < -1%) |
| CFO/TA 0.07 > 3% & CFO 2441.10b > Net Income 183.72b |
| Net Debt (-7024.49b) to EBITDA (536.32b): -13.10 < 3 |
| Current Ratio: 2.92 > 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: 39.07% > 50% (prev 31.13%; Δ 7.94% > 0%) |
| Interest Coverage Ratio: 0.17 > 6 (EBITDA TTM 536.32b / Interest Expense TTM 1976.78b) |
Altman Z'' 1.15
| A: 0.16 (Total Current Assets 9070.32b - Total Current Liabilities 3102.28b) / Total Assets 36638.43b |
| B: 0.00 (Retained Earnings 169.94b / Total Assets 36638.43b) |
| C: 0.01 (EBIT TTM 330.04b / Avg Total Assets 34681.82b) |
| D: 0.00 (Book Value of Equity 1.61b / Total Liabilities 30617.11b) |
| Altman-Z'' Score: 1.15 = BB |
Beneish M -1.75
| DSRI: 1.50 (Receivables 947.06b/474.65b, Revenue 13550.16b/10187.69b) |
| GMI: 1.86 (GM 41.26% / 76.81%) |
| AQI: 0.85 (AQ_t 0.72 / AQ_t-1 0.85) |
| SGI: 1.33 (Revenue 13550.16b / 10187.69b) |
| TATA: -0.06 (NI 183.72b - CFO 2441.10b) / TA 36638.43b) |
| Beneish M-Score: -1.75 (Cap -4..+1) = CCC |
What is the price of GGAL shares?
As of March 23, 2026, the stock is trading at USD 42.95 with a total of 1,263,175 shares traded.
Over the past week, the price has changed by +4.45%, over one month by -13.18%, over three months by -19.35% and over the past year by -21.49%.
Over the past week, the price has changed by +4.45%, over one month by -13.18%, over three months by -19.35% and over the past year by -21.49%.
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 | 68.1 | 58.5% |
| Analysts Target Price | 68.1 | 58.5% |
GGAL Fundamental Data Overview March 19, 2026
P/E Trailing = 56.1486
P/E Forward = 3.3102
P/S = 0.0011
P/B = 1.1787
P/EG = 0.1751
Revenue TTM = 13550.16b USD
EBIT TTM = 330.04b USD
EBITDA TTM = 536.32b USD
Long Term Debt = 2724.30b USD (from longTermDebt, two quarters ago)
Short Term Debt = 3102.28b USD (from shortTermDebt, last quarter)
Debt = 2045.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7024.49b USD (from netDebt column, last quarter)
Enterprise Value = -7017.73b USD (6.76b + Debt 2045.83b - CCE 9070.32b)
Interest Coverage Ratio = 0.17 (Ebit TTM 330.04b / Interest Expense TTM 1976.78b)
EV/FCF = -3.20x (Enterprise Value -7017.73b / FCF TTM 2193.69b)
FCF Yield = -31.26% (FCF TTM 2193.69b / Enterprise Value -7017.73b)
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 = -0.19 (set to none) (Enterprise Value -7017.73b / Total Assets 36638.43b)
Interest Expense / Debt = 62.39% (Interest Expense 1276.44b / Debt 2045.83b)
Taxrate = 32.45% (107.09b / 330.04b)
NOPAT = 222.96b (EBIT 330.04b * (1 - 32.45%))
Current Ratio = 2.92 (Total Current Assets 9070.32b / Total Current Liabilities 3102.28b)
Debt / Equity = 0.34 (Debt 2045.83b / totalStockholderEquity, last quarter 6021.32b)
Debt / EBITDA = -13.10 (Net Debt -7024.49b / EBITDA 536.32b)
Debt / FCF = -3.20 (Net Debt -7024.49b / FCF TTM 2193.69b)
Total Stockholder Equity = 6382.19b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 183.72b / Total Assets 36638.43b)
RoE = 2.88% (Net Income TTM 183.72b / Total Stockholder Equity 6382.19b)
RoCE = 3.62% (EBIT 330.04b / Capital Employed (Equity 6382.19b + L.T.Debt 2724.30b))
RoIC = 3.54% (NOPAT 222.96b / Invested Capital 6294.63b)
WACC = 0.03% (E(6.76b)/V(2052.59b) * Re(9.28%) + (debt cost/tax rate unavailable))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
[DCF] Terminal Value 88.43% ; FCFF base≈2193.69b ; Y1≈2706.06b ; Y5≈4608.63b
[DCF] Fair Price = 1.07m (EV 134203.57b - Net Debt -7024.49b = Equity 141228.06b / Shares 132.5m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
[DCF] Fair Price = 1.07m (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=-0.052 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.63 | Chg7d=+0.000 | Chg30d=-0.396 | Revisions Net=-3 | Growth EPS=+434.3% | Growth Revenue=+40.6%
EPS next Year (2027-12-31): EPS=8.02 | Chg7d=+0.000 | Chg30d=-0.063 | Revisions Net=-2 | Growth EPS=+73.2% | Growth Revenue=+23.5%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.5% (Discount Rate 9.3% - Earnings Yield 1.8%)
[Growth] Growth Spread = +43.9% (Analyst 51.4% - Implied 7.5%)
P/E Forward = 3.3102
P/S = 0.0011
P/B = 1.1787
P/EG = 0.1751
Revenue TTM = 13550.16b USD
EBIT TTM = 330.04b USD
EBITDA TTM = 536.32b USD
Long Term Debt = 2724.30b USD (from longTermDebt, two quarters ago)
Short Term Debt = 3102.28b USD (from shortTermDebt, last quarter)
Debt = 2045.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7024.49b USD (from netDebt column, last quarter)
Enterprise Value = -7017.73b USD (6.76b + Debt 2045.83b - CCE 9070.32b)
Interest Coverage Ratio = 0.17 (Ebit TTM 330.04b / Interest Expense TTM 1976.78b)
EV/FCF = -3.20x (Enterprise Value -7017.73b / FCF TTM 2193.69b)
FCF Yield = -31.26% (FCF TTM 2193.69b / Enterprise Value -7017.73b)
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 = -0.19 (set to none) (Enterprise Value -7017.73b / Total Assets 36638.43b)
Interest Expense / Debt = 62.39% (Interest Expense 1276.44b / Debt 2045.83b)
Taxrate = 32.45% (107.09b / 330.04b)
NOPAT = 222.96b (EBIT 330.04b * (1 - 32.45%))
Current Ratio = 2.92 (Total Current Assets 9070.32b / Total Current Liabilities 3102.28b)
Debt / Equity = 0.34 (Debt 2045.83b / totalStockholderEquity, last quarter 6021.32b)
Debt / EBITDA = -13.10 (Net Debt -7024.49b / EBITDA 536.32b)
Debt / FCF = -3.20 (Net Debt -7024.49b / FCF TTM 2193.69b)
Total Stockholder Equity = 6382.19b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 183.72b / Total Assets 36638.43b)
RoE = 2.88% (Net Income TTM 183.72b / Total Stockholder Equity 6382.19b)
RoCE = 3.62% (EBIT 330.04b / Capital Employed (Equity 6382.19b + L.T.Debt 2724.30b))
RoIC = 3.54% (NOPAT 222.96b / Invested Capital 6294.63b)
WACC = 0.03% (E(6.76b)/V(2052.59b) * Re(9.28%) + (debt cost/tax rate unavailable))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
[DCF] Terminal Value 88.43% ; FCFF base≈2193.69b ; Y1≈2706.06b ; Y5≈4608.63b
[DCF] Fair Price = 1.07m (EV 134203.57b - Net Debt -7024.49b = Equity 141228.06b / Shares 132.5m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
[DCF] Fair Price = 1.07m (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=-0.052 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.63 | Chg7d=+0.000 | Chg30d=-0.396 | Revisions Net=-3 | Growth EPS=+434.3% | Growth Revenue=+40.6%
EPS next Year (2027-12-31): EPS=8.02 | Chg7d=+0.000 | Chg30d=-0.063 | Revisions Net=-2 | Growth EPS=+73.2% | Growth Revenue=+23.5%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.5% (Discount Rate 9.3% - Earnings Yield 1.8%)
[Growth] Growth Spread = +43.9% (Analyst 51.4% - Implied 7.5%)