Grupo Financiero Galicia S.A. (GGAL)

NCM – Real Time Price. Currency in USD

43.87

-0.66 (-1.48%)

Market open: Aug 12, 2026, 12:24 PM EDT

44.53

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 44.53$
Day's range: 43.87 - 47.75$
52-week range: 25.89 - 62.52$
Volume: 1 263 445
Average volume: 723 398
Beta: 1.47
EPS (TTM): 0.54
PE ratio (TTM): 82.04
Forward P/E: 9.56
Market cap: 7 570 996 759
Shares outstanding: 170 020 138
Dividend yield: $4.24 (4.24%)
Next earnings date: 2026-08-20
Sector: Financials
Industry: Banks - Regional

About the company

Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; and credit and debit cards. The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, fl... read more

CEO: Fabian Enrique Kon
Country: Argentina
IPO Date
Employees: 10079
Fiscal Year End: January - December
Website: https://www.gfgsa.com

Revenue Breakdown

Bank / 66.38%

Orange X / 26.04%

Insurance / 2.50%

News

No Data

There are no news for this stock.

Chart: GGAL

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Overall Score

5.2 / 1052%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $2.6B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.4) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $512.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	2.91	2.82	10
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.42	0.05	7.0
Debt to Assets	0.08	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			7.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	9.63B	21.48B	12.03B	10.53B	10.11B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	2.68B	7.04B	4.27B	1.45B	1.28B
Net Income	394M	1.14B	1.77B	157M	87M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	23.31	0.44	9.0
Net margin %	2.58	32.70	3.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	22.93	0.00	10
Weighted average score			4.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	2.11	1.46	4.0
ROE	11.23	14.94	7.0
ROIC	10.23	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	17.86	6.77	7.0
Next quarter	36.92	1229.89	10
Current year	20.92	315.6	10
Next year	18.6	56.08	9.5
Weighted average score			9.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-17.02	206.66	181.5	126.13	7.8
Y/Y	0.43	-66.09	-62.44	-27.78	1.3
3y average	22.21	51.3	123.85	14.84	9.5
5y average	35.52	32.03	72.55	-0.93	7.8
Weighted average score					6.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	129.79	11.16	1.6
PEG (5yr expected)	N/A	98.42	1.0
P/S	1.29	3.37	7.6
P/B	1.30	1.53	6.0
Weighted average score			4.1

DCF Model

DCF Model Period5 years

Discount rate10.65%

Perpetual growth rate3%

Revenue 5 year CAGR24.35%

FCF 5 year CAGR4

Fair value120.54$

Stock price44.56$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$120.54

UndervaluedStock priceOvervalued

$44.56

Economic Moat

NAME	SCALE	SCORE
Market share	Medium	6.0
Intangible assets	Narrow	4.0
Switching costs	Narrow	3.0
Network effect	None	1.0
Economies of scale	Medium	5.0
Weighted average score		3.8

About the company

CEO

Fabian Enrique Kon

Country

Argentina

IPO Date

Employees

10079

Fiscal Year End

January - December

Website

https://www.gfgsa.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

2.91

2.82

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.42

0.05

7.0

Debt to Assets

0.08

0.09

9.0

Interest coverage

N/A

Weighted average score

7.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

9.63B

21.48B

12.03B

10.53B

10.11B

Gross Profit

N/A

Operating Income

2.68B

7.04B

4.27B

1.45B

1.28B

Net Income

394M

1.14B

1.77B

157M

87M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

23.31

0.44

9.0

Net margin %

2.58

32.70

3.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

22.93

0.00

Weighted average score

4.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

2.11

1.46

4.0

ROE

11.23

14.94

7.0

ROIC

10.23

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

17.86

6.77

7.0

Next quarter

36.92

1229.89

Current year

20.92

315.6

Next year

18.6

56.08

9.5

Weighted average score

9.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-17.02

206.66

181.5

126.13

7.8

Y/Y

0.43

-66.09

-62.44

-27.78

1.3

3y average

22.21

51.3

123.85

14.84

9.5

5y average

35.52

32.03

72.55

-0.93

7.8

Weighted average score

6.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

129.79

11.16

1.6

PEG (5yr expected)

N/A

98.42

1.0

P/S

1.29

3.37

7.6

P/B

1.30

1.53

6.0

Weighted average score

4.1

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

Medium

6.0

Intangible assets

Narrow

4.0

Switching costs

Narrow

3.0

Network effect

None

1.0

Economies of scale

Medium

5.0

Weighted average score

3.8

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Grupo Financiero Galicia S.A. (GGAL)

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Grupo Financiero Galicia S.A. (GGAL)

Stock details

About the company

Revenue Breakdown

News

Chart: GGAL

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$120.54

$44.56

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: GGAL

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$120.54

$44.56

Economic Moat