(GGAL) Grupo Financiero Galicia - Ratings and Ratios

Exchange: NASDAQ • Country: Argentina • Currency: USD • Type: Common Stock • ISIN: US3999091008

Banking, Insurance, Credit, Investment, Digital

Stock: Diversified Banks
Age 25.5y
MCap 8,362m
Avg Vol 858K (46.2M USD)
Beta 1.475
Volatility 54.47%

EPS (Earnings per Share)

EPS (Earnings per Share) of GGAL over the last years for every Quarter: "2020-12": 0.26, "2021-03": 0.16, "2021-06": 0.64, "2021-09": 0.66, "2021-12": 0.61, "2022-03": 0.33, "2022-06": 0.29, "2022-09": 0.56, "2022-12": 0.532, "2023-03": 0.6138, "2023-06": 1.69, "2023-09": 1.17, "2023-12": 2.6871, "2024-03": 2.08, "2024-06": 0.31, "2024-09": 1.1501, "2024-12": 4.0953, "2025-03": 91.36, "2025-06": 107.76, "2025-09": 0.4068, "2025-12": 0,
EPS CAGR: -33.97%
EPS Trend: 42.4%
Last SUE: -0.02
Qual. Beats: 0

Revenue

Revenue of GGAL over the last years for every Quarter: 2020-12: 79539.261, 2021-03: 92893, 2021-06: 114530, 2021-09: 113041, 2021-12: 202987.87, 2022-03: 200544, 2022-06: 252694, 2022-09: 390312, 2022-12: -150914.399, 2023-03: 1001896, 2023-06: 1378793, 2023-09: 3459417.715, 2023-12: 2152072.669, 2024-03: 4195106.275, 2024-06: 2500001, 2024-09: 1829859.613, 2024-12: 1662727.945, 2025-03: 2529890.869, 2025-06: 2086391, 2025-09: 1972491, 2025-12: null,
Rev. CAGR: 83.38%
Rev. Trend: 30.9%
Last SUE: 0.43
Qual. Beats: 0

Dividends

Dividend Yield 2.40%
Yield on Cost 5y 18.46%
Yield CAGR 5y 104.80%
Payout Consistency 50.1%
Payout Ratio 0.3%
Risk via 5d forecast
Volatility 54.5%
Value at Risk 5%th 77.7%
Relative Tail Risk -13.34%
Reward TTM
Sharpe Ratio 0.04
Alpha -39.26
CAGR/Max DD 1.16
Character TTM
Hurst Exponent 0.553
Beta 1.475
Beta Downside 1.301
Drawdowns 3y
Max DD 62.95%
Mean DD 15.76%
Median DD 12.79%

Description: GGAL Grupo Financiero Galicia January 07, 2026

Grupo Financiero Galicia S.A. (NASDAQ: GGAL) is an Argentine financial-services holding company that operates through four segments-Bank, Naranja X, Insurance, and Other Businesses-offering a full suite of retail and corporate products, including deposits, loans, credit cards, digital banking, asset management, and a range of insurance policies.

Key recent metrics: as of Q4 2023 the bank’s loan-to-deposit ratio stood at 85 %, reflecting a relatively conservative funding profile; net profit grew 12 % YoY to $210 million, driven by a 7 % rise in loan interest income amid Argentina’s 70 % YoY inflation rate, which pressures real interest margins. The Naranja X fintech platform now serves over 5 million active users, contributing roughly 15 % of total revenue and positioning the group to capture expanding digital-banking adoption in a market where internet penetration exceeds 80 %.

For a deeper, data-driven assessment of GGAL’s valuation dynamics, you may find the analytics on ValueRay worth a quick look.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income: 899.49b TTM > 0 and > 6% of Revenue
FCF/TA: -0.07 > 0.02 and ΔFCF/TA 4.89 > 1.0
NWC/Revenue: -192.0% < 20% (prev 67.32%; Δ -259.4% < -1%)
CFO/TA -0.06 > 3% & CFO -2541.65b > Net Income 899.49b
Net Debt (-5969.86b) to EBITDA (532.35b): -11.21 < 3
Current Ratio: 0.35 > 1.5 & < 3
Outstanding Shares: last quarter (160.6m) vs 12m ago 8.54% < -2%
Gross Margin: 70.90% > 18% (prev 0.78%; Δ 7012 % > 0.5%)
Asset Turnover: 25.40% > 50% (prev 46.47%; Δ -21.07% > 0%)
Interest Coverage Ratio: 0.22 > 6 (EBITDA TTM 532.35b / Interest Expense TTM 1520.47b)

Altman Z'' -1.88

A: -0.38 (Total Current Assets 8694.16b - Total Current Liabilities 24540.64b) / Total Assets 41995.96b
B: 0.10 (Retained Earnings 4354.02b / Total Assets 41995.96b)
C: 0.01 (EBIT TTM 337.20b / Avg Total Assets 32485.68b)
D: 0.18 (Book Value of Equity 6294.64b / Total Liabilities 34903.39b)
Altman-Z'' Score: -1.88 = D

Beneish M 1.00

DSRI: 6.45 (Receivables 5936.80b/1190.52b, Revenue 8251.50b/10677.04b)
GMI: 1.10 (GM 70.90% / 77.88%)
AQI: 1.23 (AQ_t 0.77 / AQ_t-1 0.62)
SGI: 0.77 (Revenue 8251.50b / 10677.04b)
TATA: 0.08 (NI 899.49b - CFO -2541.65b) / TA 41995.96b)
Beneish M-Score: 1.61 (Cap -4..+1) = D

ValueRay F-Score (Strict, 0-100) 35.75

1. Piotroski: 4.0pt
2. FCF Yield: -46.45%
3. FCF Margin: -33.92%
4. Debt/Equity: 0.38
5. Debt/Ebitda: -11.21
6. ROIC - WACC: -9.03%
7. RoE: 14.06%
8. Revenue Trend: 30.90%
9. EPS Trend: 42.42%

What is the price of GGAL shares?

As of January 27, 2026, the stock is trading at USD 54.39 with a total of 1,497,528 shares traded.
Over the past week, the price has changed by +7.94%, over one month by -1.91%, over three months by +11.51% and over the past year by -14.01%.

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.
  • Strong Buy: 3
  • Buy: 2
  • Hold: 0
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the GGAL price?

Issuer Target Up/Down from current
Wallstreet Target Price 70.5 29.7%
Analysts Target Price 70.5 29.7%
ValueRay Target Price 84.8 55.8%

GGAL Fundamental Data Overview January 20, 2026

Market Cap ARS = 11995.96b (8.36b USD * 1434.5 USD.ARS)
P/E Trailing = 7.9428
P/E Forward = 3.465
P/S = 0.0017
P/B = 1.6782
P/EG = 0.75
Revenue TTM = 8251.50b ARS
EBIT TTM = 337.20b ARS
EBITDA TTM = 532.35b ARS
Long Term Debt = 2724.30b ARS (from longTermDebt, last quarter)
Short Term Debt = 389.70b ARS (from shortTermDebt, last fiscal year)
Debt = 2724.30b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -5969.86b ARS (from netDebt column, last quarter)
Enterprise Value = 6026.10b ARS (11995.96b + Debt 2724.30b - CCE 8694.16b)
Interest Coverage Ratio = 0.22 (Ebit TTM 337.20b / Interest Expense TTM 1520.47b)
EV/FCF = -2.15x (Enterprise Value 6026.10b / FCF TTM -2799.19b)
FCF Yield = -46.45% (FCF TTM -2799.19b / Enterprise Value 6026.10b)
FCF Margin = -33.92% (FCF TTM -2799.19b / Revenue TTM 8251.50b)
Net Margin = 10.90% (Net Income TTM 899.49b / Revenue TTM 8251.50b)
Gross Margin = 70.90% ((Revenue TTM 8251.50b - Cost of Revenue TTM 2401.60b) / Revenue TTM)
Gross Margin QoQ = 62.66% (prev 72.97%)
Tobins Q-Ratio = 0.14 (Enterprise Value 6026.10b / Total Assets 41995.96b)
Interest Expense / Debt = 25.71% (Interest Expense 700.34b / Debt 2724.30b)
Taxrate = 26.53% (586.61b / 2211.22b)
NOPAT = 247.74b (EBIT 337.20b * (1 - 26.53%))
Current Ratio = 0.35 (Total Current Assets 8694.16b / Total Current Liabilities 24540.64b)
Debt / Equity = 0.38 (Debt 2724.30b / totalStockholderEquity, last quarter 7092.57b)
Debt / EBITDA = -11.21 (Net Debt -5969.86b / EBITDA 532.35b)
Debt / FCF = 2.13 (negative FCF - burning cash) (Net Debt -5969.86b / FCF TTM -2799.19b)
Total Stockholder Equity = 6395.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.77% (Net Income 899.49b / Total Assets 41995.96b)
RoE = 14.06% (Net Income TTM 899.49b / Total Stockholder Equity 6395.84b)
RoCE = 3.70% (EBIT 337.20b / Capital Employed (Equity 6395.84b + L.T.Debt 2724.30b))
RoIC = 3.72% (NOPAT 247.74b / Invested Capital 6666.13b)
WACC = 12.74% (E(11995.96b)/V(14720.25b) * Re(11.35%) + D(2724.30b)/V(14720.25b) * Rd(25.71%) * (1-Tc(0.27)))
Discount Rate = 11.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.08%
Fair Price DCF = unknown (Cash Flow -2799.19b)
EPS Correlation: 42.42 | EPS CAGR: -33.97% | SUE: -0.02 | # QB: 0
Revenue Correlation: 30.90 | Revenue CAGR: 83.38% | SUE: 0.43 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.02 | Chg30d=-0.261 | Revisions Net=-1 | Analysts=3
EPS next Year (2026-12-31): EPS=5.22 | Chg30d=-0.163 | Revisions Net=-1 | Growth EPS=+104.8% | Growth Revenue=+30.8%

Additional Sources for GGAL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle