GRUPO FINANCIERO GALICIA-ADR (GGAL)
US3999091008 - ADR
We assign a fundamental rating of 4 out of 10 to GGAL. GGAL was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of GGAL have multiple concerns. GGAL is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years GGAL has been profitable.
In multiple years GGAL reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 5.39%, GGAL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
With an excellent Return On Equity value of 24.70%, GGAL belongs to the best of the industry, outperforming 99.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.39% | ||
| ROE | 24.7% | ||
| 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
The Profit Margin of GGAL (13.53%) is worse than 77.86% of its industry peers.
In the last couple of years the Profit Margin of GGAL has declined.
GGAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.53% | ||
| 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
2. Health
2.1 Basic Checks
GGAL has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for GGAL has been reduced compared to 5 years ago.
The debt/assets ratio for GGAL is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.54 indicates that GGAL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.54, GGAL is not doing good in the industry: 74.13% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| 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 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 607.31% over the past year.
Measured over the past years, GGAL shows a very strong growth in Earnings Per Share. The EPS has been growing by 70.92% on average per year.
Looking at the last year, GGAL shows a very strong growth in Revenue. The Revenue has grown by 291.96%.
Measured over the past years, GGAL shows a very strong growth in Revenue. The Revenue has been growing by 116.11% on average per year.
EPS 1Y (TTM)607.31%
EPS 3Y110.88%
EPS 5Y70.92%
EPS Q2Q%605.62%
Revenue 1Y (TTM)291.96%
Revenue growth 3Y120.02%
Revenue growth 5Y116.11%
Sales Q2Q%89.53%
3.2 Future
Based on estimates for the next years, GGAL will show a very strong growth in Earnings Per Share. The EPS will grow by 57.72% on average per year.
GGAL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.25% yearly.
EPS Next Y398.09%
EPS Next 2Y121.91%
EPS Next 3Y57.72%
EPS Next 5YN/A
Revenue Next Year137.38%
Revenue Next 2Y54.92%
Revenue Next 3Y35.25%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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
GGAL's earnings are expected to grow with 57.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y121.91%
EPS Next 3Y57.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.19%, GGAL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, GGAL pays a better dividend. On top of this GGAL pays more dividend than 95.52% of the companies listed in the same industry.
GGAL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.19% |
5.2 History
GGAL has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of GGAL decreased in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
51.55% of the earnings are spent on dividend by GGAL. This is a bit on the high side, but may be sustainable.
DP51.55%
EPS Next 2Y121.91%
EPS Next 3Y57.72%
GRUPO FINANCIERO GALICIA-ADR
NASDAQ:GGAL (10/14/2024, 8:00:00 PM)
After market: 49.7 +0.26 (+0.53%)49.44
-0.33 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.89B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.19% |
Dividend Growth(5Y)
DP
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)
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Min EPS beat(4)
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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)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
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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)
EY
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 | 5.39% | ||
| ROE | 24.7% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 13.53% | ||
| 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 Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)607.31%
EPS 3Y110.88%
EPS 5Y
EPS Q2Q%
EPS Next Y398.09%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)291.96%
Revenue growth 3Y120.02%
Revenue growth 5Y
Sales 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