GRUPO FINANCIERO GALICIA-ADR (GGAL) Fundamental Analysis & Valuation

NASDAQ:GGAL • US3999091008

44.105 USD
+0.07 (+0.17%)
Last: Mar 5, 2026, 09:58 AM
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This GGAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GGAL. GGAL was compared to 379 industry peers in the Banks industry. GGAL has a bad profitability rating. Also its financial health evaluation is rather negative. GGAL does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. GGAL Profitability Analysis

1.1 Basic Checks

  • In the past 5 years GGAL has always been profitable.
  • In multiple years GGAL reported negative operating cash flow during the last 5 years.
GGAL Yearly Net Income VS EBIT VS OCF VS FCFGGAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T -2T

1.2 Ratios

  • The Return On Assets of GGAL (2.10%) is better than 96.83% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.45%, GGAL belongs to the top of the industry, outperforming 82.32% of the companies in the same industry.
Industry RankSector Rank
ROA 2.1%
ROE 12.45%
ROIC N/A
ROA(3y)3.25%
ROA(5y)2.82%
ROE(3y)17.25%
ROE(5y)15.38%
ROIC(3y)N/A
ROIC(5y)N/A
GGAL Yearly ROA, ROE, ROICGGAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • GGAL has a worse Profit Margin (9.68%) than 84.96% of its industry peers.
  • In the last couple of years the Profit Margin of GGAL has grown nicely.
  • The Operating Margin and Gross Margin are not available for GGAL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 9.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.61%
PM growth 5Y7.11%
GM growth 3YN/A
GM growth 5YN/A
GGAL Yearly Profit, Operating, Gross MarginsGGAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. GGAL Health Analysis

2.1 Basic Checks

  • GGAL has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GGAL has been increased compared to 5 years ago.
  • The debt/assets ratio for GGAL is higher compared to a year ago.
GGAL Yearly Shares OutstandingGGAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
GGAL Yearly Total Debt VS Total AssetsGGAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T

2.2 Solvency

  • GGAL has a Debt/Equity ratio of 0.87. This is a neutral value indicating GGAL is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.87, GGAL is doing worse than 83.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GGAL Yearly LT Debt VS Equity VS FCFGGAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T -2T 4T 6T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GGAL Yearly Current Assets VS Current LiabilitesGGAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. GGAL Growth Analysis

3.1 Past

  • The earnings per share for GGAL have decreased by -5.05% in the last year.
  • GGAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 103.06% yearly.
  • Looking at the last year, GGAL shows a very negative growth in Revenue. The Revenue has decreased by -14.54% in the last year.
  • Measured over the past years, GGAL shows a very strong growth in Revenue. The Revenue has been growing by 107.61% on average per year.
EPS 1Y (TTM)-5.05%
EPS 3Y260.49%
EPS 5Y103.06%
EPS Q2Q%-148.44%
Revenue 1Y (TTM)-14.54%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%35.48%

3.2 Future

  • The Earnings Per Share is expected to decrease by -44.47% on average over the next years. This is quite bad
  • GGAL is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -31.07% yearly.
EPS Next Y-82.94%
EPS Next 2Y-20.79%
EPS Next 3Y-44.47%
EPS Next 5YN/A
Revenue Next Year19.42%
Revenue Next 2Y18.61%
Revenue Next 3Y-31.07%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
GGAL Yearly Revenue VS EstimatesGGAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2T 4T 6T 8T
GGAL Yearly EPS VS EstimatesGGAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2K 4K 6K 8K

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Find the best growth stocksShow best growing peers

0

4. GGAL Valuation Analysis

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
GGAL Price Earnings VS Forward Price EarningsGGAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GGAL Per share dataGGAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

  • A cheap valuation may be justified as GGAL's earnings are expected to decrease with -44.47% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.79%
EPS Next 3Y-44.47%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. GGAL Dividend Analysis

5.1 Amount

  • GGAL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

GGAL Fundamentals: All Metrics, Ratios and Statistics

GRUPO FINANCIERO GALICIA-ADR

NASDAQ:GGAL (3/5/2026, 9:58:10 AM)

44.105

+0.07 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-02
Earnings (Next)05-25
Inst Owners35.54%
Inst Owner Change24.8%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.08B
Revenue(TTM)9.12T
Net Income(TTM)882.89B
Analysts86.15
Price TargetN/A
Short Float %3.84%
Short Ratio4.95
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP27.89%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-02
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-370.26%
Min EPS beat(2)-736.27%
Max EPS beat(2)-4.26%
EPS beat(4)1
Avg EPS beat(4)-133.52%
Min EPS beat(4)-736.27%
Max EPS beat(4)209.06%
EPS beat(8)4
Avg EPS beat(8)-60.63%
EPS beat(12)6
Avg EPS beat(12)-40.96%
EPS beat(16)7
Avg EPS beat(16)-34.63%
Revenue beat(2)0
Avg Revenue beat(2)-3.36%
Min Revenue beat(2)-6.08%
Max Revenue beat(2)-0.63%
Revenue beat(4)1
Avg Revenue beat(4)-3.41%
Min Revenue beat(4)-12.57%
Max Revenue beat(4)5.63%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-128.12%
EPS NQ rev (3m)-117.2%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-36.5%
Revenue NQ rev (1m)-0.21%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.63%
Revenue NY rev (3m)-0.9%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 2.1%
ROE 12.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.68%
GM N/A
FCFM N/A
ROA(3y)3.25%
ROA(5y)2.82%
ROE(3y)17.25%
ROE(5y)15.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.61%
PM growth 5Y7.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5.05%
EPS 3Y260.49%
EPS 5Y103.06%
EPS Q2Q%-148.44%
EPS Next Y-82.94%
EPS Next 2Y-20.79%
EPS Next 3Y-44.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.54%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%35.48%
Revenue Next Year19.42%
Revenue Next 2Y18.61%
Revenue Next 3Y-31.07%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-264.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-246.93%
OCF growth 3YN/A
OCF growth 5YN/A

GRUPO FINANCIERO GALICIA-ADR / GGAL FAQ

What is the ChartMill fundamental rating of GRUPO FINANCIERO GALICIA-ADR (GGAL) stock?

ChartMill assigns a fundamental rating of 2 / 10 to GGAL.


What is the valuation status for GGAL stock?

ChartMill assigns a valuation rating of 0 / 10 to GRUPO FINANCIERO GALICIA-ADR (GGAL). This can be considered as Overvalued.


What is the profitability of GGAL stock?

GRUPO FINANCIERO GALICIA-ADR (GGAL) has a profitability rating of 3 / 10.


What is the financial health of GRUPO FINANCIERO GALICIA-ADR (GGAL) stock?

The financial health rating of GRUPO FINANCIERO GALICIA-ADR (GGAL) is 0 / 10.