(GGAL) Grupo Financiero Galicia - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 7.120m USD | Total Return: -25.1% in 12m
Banking, Insurance, Loans, Asset Management, Credit Cards
Total Rating 25
Safety 31
Buy Signal 0.01
Banks - Regional
Industry Rotation: +1.2
Industry Rotation: +1.2
Market Cap:
7.12B
Avg Turnover: 42.2M
Avg Turnover: 42.2M
Risk 3d forecast
Volatility58.2%
VaR 5th Pctl9.21%
VaR vs Median-3.93%
Reward TTM
Sharpe Ratio-0.10
Rel. Str. IBD18.5
Rel. Str. Peer Group8.5
Character TTM
Beta0.847
Beta Downside-0.092
Hurst Exponent0.573
Drawdowns 3y
Max DD62.95%
CAGR/Max DD1.07
CAGR/Mean DD3.74
EPS (Earnings per Share)
EPS CAGR: 505.38%
EPS Trend: 91.0%
EPS Trend: 91.0%
Last SUE: -0.02
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 37.75%
Rev. Trend: 63.9%
Rev. Trend: 63.9%
Last SUE: 0.44
Qual. Beats: 0
Qual. Beats: 0
Warnings
P/E ratio 110.6
Tailwinds
No distinct edge detected
Description: GGAL Grupo Financiero Galicia
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
Piotroski VR‑10 (Strict)
4.5
| Net Income: 86.31b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 35.28 > 1.0 |
| NWC/Revenue: -177.0% < 20% (prev -144.7%; Δ -32.29% < -1%) |
| CFO/TA 0.02 > 3% & CFO 740.43b > Net Income 86.31b |
| Net Debt (-3418.98b) to EBITDA (306.88b): -11.14 < 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: 0.03 > 6 (EBITDA TTM 306.88b / Interest Expense TTM 2552.88b) |
Altman Z''
-3.17
| A: -0.51 (Total Current Assets 6684.44b - Total Current Liabilities 29705.03b) / Total Assets 45400.09b |
| B: 0.00 (Retained Earnings 170.00b / Total Assets 45400.09b) |
| C: 0.00 (EBIT TTM 87.67b / Avg Total Assets 37124.79b) |
| D: 0.13 (Book Value of Equity 4640.97b / Total Liabilities 36764.46b) |
| Altman-Z'' = -3.17 = D |
Beneish M
-2.58
| DSRI: 0.09 (Receivables 947.06b/7233.26b, Revenue 13007.12b/8522.48b) |
| GMI: 1.88 (GM 40.55% / 76.25%) |
| AQI: 1.07 (AQ_t 0.82 / AQ_t-1 0.77) |
| SGI: 1.53 (Revenue 13007.12b / 8522.48b) |
| TATA: -0.01 (NI 86.31b - CFO 740.43b) / TA 45400.09b) |
| Beneish M = -2.58 (Cap -4..+1) = A |
What is the price of GGAL shares?
As of May 22, 2026, the stock is trading at USD 44.01 with a total of 1,264,990 shares traded.
Over the past week, the price has changed by +5.16%, over one month by -6.16%, over three months by -6.67% and over the past year by -25.05%.
Over the past week, the price has changed by +5.16%, over one month by -6.16%, over three months by -6.67% and over the past year by -25.05%.
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?
| Analysts Target Price | 67.4 | 53.1% |
Grupo Financiero Galicia (GGAL) - Fundamental Data Overview
as of 22 May 2026
Market Cap ARS = 9949.03b (7.12b USD * 1397.25 USD.ARS)P/E Trailing = 110.579
P/E Forward = 3.3102
P/S = 0.0011
P/B = 1.0968
P/EG = 0.1751
Revenue TTM = 13007.12b ARS
EBIT TTM = 87.67b ARS
EBITDA TTM = 306.88b ARS
Long Term Debt = 2877.90b ARS (from longTermDebt, last fiscal year)
Short Term Debt = 3102.28b ARS (from shortTermDebt, last quarter)
Debt = 3265.46b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -3418.98b ARS (from netDebt column, last quarter)
Enterprise Value = 6530.04b ARS (9949.03b + Debt 3265.46b - CCE 6684.44b)
Interest Coverage Ratio = 0.03 (Ebit TTM 87.67b / Interest Expense TTM 2552.88b)
EV/FCF = 12.46x (Enterprise Value 6530.04b / FCF TTM 524.26b)
FCF Yield = 8.03% (FCF TTM 524.26b / Enterprise Value 6530.04b)
FCF Margin = 4.03% (FCF TTM 524.26b / Revenue TTM 13007.12b)
Net Margin = 0.66% (Net Income TTM 86.31b / Revenue TTM 13007.12b)
Gross Margin = 40.55% ((Revenue TTM 13007.12b - Cost of Revenue TTM 7732.98b) / Revenue TTM)
Gross Margin QoQ = 55.98% (prev 20.16%)
Tobins Q-Ratio = 0.14 (Enterprise Value 6530.04b / Total Assets 45400.09b)
Interest Expense / Debt = 39.09% (Interest Expense 1276.44b / Debt 3265.46b)
Taxrate = 2.07% (1.40b / 67.80b)
NOPAT = 85.86b (EBIT 87.67b * (1 - 2.07%))
Current Ratio = 0.23 (Total Current Assets 6684.44b / Total Current Liabilities 29705.03b)
Debt / Equity = 0.38 (Debt 3265.46b / totalStockholderEquity, last quarter 8635.63b)
Debt / EBITDA = -11.14 (Net Debt -3418.98b / EBITDA 306.88b)
Debt / FCF = -6.52 (Net Debt -3418.98b / FCF TTM 524.26b)
Total Stockholder Equity = 7605.50b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.23% (Net Income 86.31b / Total Assets 45400.09b)
RoE = 1.13% (Net Income TTM 86.31b / Total Stockholder Equity 7605.50b)
RoCE = 0.84% (EBIT 87.67b / Capital Employed (Equity 7605.50b + L.T.Debt 2877.90b))
RoIC = 1.14% (NOPAT 85.86b / Invested Capital 7561.51b)
WACC = 16.21% (E(9949.03b)/V(13214.49b) * Re(8.96%) + D(3265.46b)/V(13214.49b) * Rd(39.09%) * (1-Tc(0.02)))
Discount Rate = 8.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 44.72 | Cagr: -47.37%
[DCF] Terminal Value 59.24% ; FCFF base≈524.26b ; Y1≈646.75b ; Y5≈1103.45b
[DCF] Fair Price = 77.5k (EV 6855.99b - Net Debt -3418.98b = Equity 10274.97b / Shares 132.5m; r=16.21% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 91.02 | EPS CAGR: 505.4% | SUE: -0.02 | # 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=+43.0%
EPS next Year (2027-12-31): EPS=6.64 | Chg30d=-12.41% | Revisions=-20% | GrowthEPS=+66.1% | GrowthRev=+29.4%
[Analyst] Revisions Ratio: +20%