Fundamental Analysis of GRUPO FINANCIERO GALICIA-ADR(NASDAQ:GGAL) stock

Fundamental Rating

Overall GGAL gets a fundamental rating of 3 out of 10. We evaluated GGAL against 412 industry peers in the Banks industry. GGAL may be in some trouble as it scores bad on both profitability and health. GGAL is valued quite expensive, but it does show an excellent growth.

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1. Profitability

1.1 Basic Checks

Each year in the past 5 years GGAL has been profitable.

The reported operating cash flow has been mixed in the past 5 years: GGAL reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of GGAL (3.49%) is better than 99.03% of its industry peers.

With an excellent Return On Equity value of 17.78%, GGAL belongs to the best of the industry, outperforming 94.90% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	3.49%
ROE	17.78%
ROIC	N/A

ROA(3y)2.25%

ROA(5y)2.47%

ROE(3y)12%

ROE(5y)13.96%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

GGAL has a Profit Margin of 8.95%. This is amonst the worse of the industry: GGAL underperforms 89.08% of its industry peers.

GGAL's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for GGAL so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	8.95%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.61%

PM growth 5Y-13.14%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for GGAL remains at a similar level compared to 1 year ago.

Compared to 5 years ago, GGAL has more shares outstanding

GGAL has a worse debt/assets ratio than last year.

2.2 Solvency

GGAL has a Debt/Equity ratio of 0.61. This is a neutral value indicating GGAL is somewhat dependend on debt financing.

GGAL has a worse Debt to Equity ratio (0.61) than 74.27% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.61
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

GGAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 532.03%, which is quite impressive.

The Earnings Per Share has been growing by 82.79% on average over the past years. This is a very strong growth

GGAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 348.38%.

The Revenue has been growing by 116.11% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)532.03%

EPS 3Y135.85%

EPS 5Y82.79%

EPS growth Q2Q553.09%

Revenue 1Y (TTM)348.38%

Revenue growth 3Y120.02%

Revenue growth 5Y116.11%

Revenue growth Q2Q601.72%

3.2 Future

GGAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.24% yearly.

The Revenue is expected to grow by 91.98% on average over the next years. This is a very strong growth

EPS Next Y18.71%

EPS Next 2Y39.24%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year108.3%

Revenue Next 2Y91.98%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as GGAL's earnings are expected to grow with 39.24% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y39.24%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

GGAL has a Yearly Dividend Yield of 3.77%.

Compared to an average industry Dividend Yield of 3.91, GGAL has a dividend in line with its industry peers.

GGAL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	3.77%

5.2 History

On average, the dividend of GGAL grows each year by 170.41%, which is quite nice.

GGAL has paid a dividend for at least 10 years, which is a reliable track record.

GGAL has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)170.41%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

GGAL pays out 49.98% of its income as dividend. This is a bit on the high side, but may be sustainable.

GGAL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP49.98%

EPS Next 2Y39.24%

EPS Next 3YN/A

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GRUPO FINANCIERO GALICIA-ADR

NASDAQ:GGAL (4/18/2024, 8:39:05 AM)

27.68

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap4.08B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.77%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	3.49%
ROE	17.78%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	8.95%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.39

Health

		Industry Rank	Sector Rank
Debt/Equity	0.61
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)532.03%

EPS 3Y135.85%

EPS 5Y

EPS growth Q2Q

EPS Next Y18.71%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)348.38%

Revenue growth 3Y120.02%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

GRUPO FINANCIERO GALICIA-ADR (GGAL)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens