GGAL Stock Analysis: Grupo Financiero Galicia | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 6.082m USD | 12M Return: 38.7% | US3999091008 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 31.5M
EPS Trend: -67.2%
Qual. Beats: 0
Rev. Trend: 60.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 that operates across four main segments: Bank, Naranja X, Insurance, and Other Businesses. The company offers a comprehensive range of products and services to both individuals and corporate clients, including deposit accounts, credit and debit cards, personal and commercial loans, insurance products, investment vehicles, foreign currency exchange, private banking, and online banking services. Naranja X is a notable subsidiary that extends the companys reach into consumer credit and digital payments. The company also provides capital markets and investment banking services, foreign trade solutions, and securities custody.
Founded in 1905 and headquartered in Buenos Aires, Grupo Financiero Galicia has grown into one of Argentinas largest diversified financial groups, with the company having listed its ADRs on NASDAQ in 2000. It is classified under the GICS Financials sector and the Diversified Banks sub-industry, reflecting its core banking operations alongside complementary financial businesses. As an Argentine financial institution, GGALs performance is closely tied to the countrys macroeconomic environment, including inflation trends, interest rate policy, and currency dynamics.
- Naranja X credit card portfolio expands on BNPL demand surge
- Argentina peso volatility pressures inflation-adjusted net interest margins
- IMF deal progress lowers sovereign risk premium and supports capital returns
| Net Income: 173b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 42.51 > 1.0 |
| NWC/Revenue: -159.9% < 20% (prev -191.1%; Δ 31.18% < -1%) |
| CFO/TA 0.10 > 3% & CFO 5066b > Net Income 173b |
| Net Debt (-3183b) to EBITDA (534b): -5.96 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.6m) vs 12m ago 0.01% < -2% |
| Gross Margin: 38.61% > 18% (prev 51.13%; Δ -12.52% > 0.5%) |
| Asset Turnover: 32.38% > 50% (prev 21.51%; Δ 10.87% > 0%) |
| Interest Coverage Ratio: 0.07 > 6 (EBIT TTM 289b / Interest Expense TTM 3881b) |
| A: -0.45 (Total Current Assets 6241b - Total Current Liabilities 29035b) / Total Assets 50363b |
| B: -0.03 (Retained Earnings -1384b / Total Assets 50363b) |
| C: 0.01 (EBIT TTM 289b / Avg Total Assets 44030b) |
| D: 0.22 (Book Value of Equity 9198b / Total Liabilities 41165b) |
| Altman-Z'' = -2.78 = D |
| DSRI: 0.14 (Receivables 1305b/5170b, Revenue 14256b/8109b) |
| GMI: 1.32 (GM 51.13% / 38.61%) |
| AQI: 1.05 (AQ_t 0.85 / AQ_t-1 0.81) |
| SGI: 1.76 (Revenue 14256b / 8109b) |
| TATA: -0.10 (NI 173b - CFO 5066b) / TA 50363b) |
| Beneish M = -2.87 (Cap -4..+1) = A |
As of October 08, 2026, the stock is trading at USD 37.05 with a total of 941,774 shares traded. Over the past week, the price has changed by -0.51%, over one month by -15.92%, over three months by -27.25% and over the past year by +38.68%.
Current recommended Stop Loss: 35.10 (which is 5.3% or 1.2 ATR below the current price).
Grupo Financiero Galicia has received a consensus analysts rating of 3.90. Therefore, it is recommended to buy GGAL.
- StrongBuy: 3
- Buy: 3
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 66.6 | 79.7% |
Market Cap ARS = 9229b (6.08b USD * 1517.5 USD.ARS)
P/E Trailing = 102.5429
P/E Forward = 3.3102
P/S = 0.001
P/B = 1.1183
P/EG = 0.1751
Revenue TTM = 14256b ARS
EBIT TTM = 289b ARS
EBITDA TTM = 534b ARS
Long Term Debt = 3014b ARS (from longTermDebt, last quarter)
Short Term Debt = 3652b ARS (from shortTermDebt, last quarter)
Debt = 3058b ARS (from shortLongTermDebtTotal, last quarter) + Leases 44.2b
Net Debt = -3183b ARS (calculated: Debt 3058b - CCE 6241b)
Enterprise Value = 6046b ARS (9229b + Debt 3058b - CCE 6241b)
Interest Coverage Ratio = 0.07 (Ebit TTM 289b / Interest Expense TTM 3881b)
EV/FCF = 1.27x (Enterprise Value 6046b / FCF TTM 4751b)
FCF Yield = 78.57% (FCF TTM 4751b / Enterprise Value 6046b)
FCF Margin = 33.32% (FCF TTM 4751b / Revenue TTM 14256b)
Net Margin = 1.22% (Net Income TTM 173b / Revenue TTM 14256b)
Gross Margin = 38.61% ((Revenue TTM 14256b - Cost of Revenue TTM 8752b) / Revenue TTM)
Gross Margin QoQ = 43.41% (prev 65.09%)
Tobins Q-Ratio = 0.12 (Enterprise Value 6046b / Total Assets 50363b)
Interest Expense / Debt = 126.9% (Interest Expense 3881b / Debt 3058b)
Taxrate = 21.90% (46.8b / 213b)
NOPAT = 225b (EBIT 289b * (1 - 21.90%))
Current Ratio = 0.21 (Total Current Assets 6241b / Total Current Liabilities 29035b)
Debt / Equity = 0.33 (Debt 3058b / totalStockholderEquity, last quarter 9198b)
Debt / EBITDA = -5.96 (Net Debt -3183b / EBITDA 534b)
Debt / FCF = -0.67 (Net Debt -3183b / 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 = 2.58% (EBIT 289b / Capital Employed (Equity 8162b + L.T.Debt 3014b))
RoIC = 0.93% (NOPAT 225b / Invested Capital 24268b)
WACC = 6.66% (E(9229b)/V(12287b) * Re(8.87%) + (debt cost/tax rate unavailable))
Discount Rate = 8.87% (= 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 = 617k (EV 78592b - Net Debt -3183b = Equity 81775b / Shares 132.5m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 617k (out of range, set to none)
EPS Correlation: -67.18 | EPS CAGR: -54.71% | SUE: 0.24 | # QB: 0
Revenue Correlation: 60.05 | Revenue CAGR: 20.30% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.37 | Chg30d=-1.08% | Revisions=+40% | Analysts=4
EPS current Year (2026-12-31): EPS=4.71 | Chg30d=-0.76% | Revisions=+40% | GrowthEPS=+443.5% | GrowthRev=+40.8%
EPS next Year (2027-12-31): EPS=6.93 | Chg30d=-1.05% | Revisions=+0% | GrowthEPS=+47.1% | GrowthRev=+25.6%
[Analyst] Revisions Ratio: +44% (up=5, down=1)