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GRUPO FINANCIERO GALICIA-ADR (GGAL) Stock Fundamental Analysis

USA - NASDAQ:GGAL - US3999091008 - ADR

31.27 USD
+0.74 (+2.42%)
Last: 9/26/2025, 12:23:09 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GGAL. GGAL was compared to 392 industry peers in the Banks industry. GGAL may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, GGAL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T -2T

1.2 Ratios

GGAL's Return On Assets of 3.02% is amongst the best of the industry. GGAL outperforms 99.74% of its industry peers.
With an excellent Return On Equity value of 16.44%, GGAL belongs to the best of the industry, outperforming 96.17% of the companies in the same industry.
Industry RankSector Rank
ROA 3.02%
ROE 16.44%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

GGAL's Profit Margin of 13.31% is on the low side compared to the rest of the industry. GGAL is outperformed by 77.30% of its industry peers.
In the last couple of years the Profit Margin of GGAL has grown nicely.
GGAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.31%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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0

2. Health

2.1 Basic Checks

The number of shares outstanding for GGAL has been increased compared to 1 year ago.
Compared to 5 years ago, GGAL has more shares outstanding
Compared to 1 year ago, GGAL has a worse debt to assets ratio.
GGAL Yearly Shares OutstandingGGAL Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T

2.2 Solvency

GGAL has a Debt/Equity ratio of 0.75. This is a neutral value indicating GGAL is somewhat dependend on debt financing.
GGAL has a worse Debt to Equity ratio (0.75) than 81.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.75
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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4

3. Growth

3.1 Past

GGAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.17%, which is quite impressive.
Measured over the past years, GGAL shows a very strong growth in Earnings Per Share. The EPS has been growing by 102.61% on average per year.
Looking at the last year, GGAL shows a very negative growth in Revenue. The Revenue has decreased by -12.36% 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)39.17%
EPS 3Y259.16%
EPS 5Y102.61%
EPS Q2Q%-58.81%
Revenue 1Y (TTM)-12.36%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%-9.03%

3.2 Future

Based on estimates for the next years, GGAL will show a very negative growth in Earnings Per Share. The EPS will decrease by -12.99% on average per year.
GGAL is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.44% yearly.
EPS Next Y-40.04%
EPS Next 2Y-2.72%
EPS Next 3Y-12.99%
EPS Next 5YN/A
Revenue Next Year20.51%
Revenue Next 2Y16.65%
Revenue Next 3Y-0.44%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GGAL Yearly Revenue VS EstimatesGGAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2K 4K 6K 8K

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0

4. Valuation

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 -12.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.72%
EPS Next 3Y-12.99%

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0

5. Dividend

5.1 Amount

No dividends for GGAL!.
Industry RankSector Rank
Dividend Yield N/A

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GRUPO FINANCIERO GALICIA-ADR

NASDAQ:GGAL (9/26/2025, 12:23:09 PM)

31.27

+0.74 (+2.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-28 2025-08-28/amc
Earnings (Next)11-03 2025-11-03
Inst Owners45.25%
Inst Owner Change-14.88%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.02B
Analysts84.29
Price TargetN/A
Short Float %2.7%
Short Ratio2.05
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP30.17%
Div Incr Years3
Div Non Decr Years3
Ex-Date08-29 2025-08-29 (0.150347)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.43%
Min EPS beat(2)-4.26%
Max EPS beat(2)-2.6%
EPS beat(4)1
Avg EPS beat(4)34.28%
Min EPS beat(4)-65.09%
Max EPS beat(4)209.06%
EPS beat(8)5
Avg EPS beat(8)34.07%
EPS beat(12)6
Avg EPS beat(12)19.85%
EPS beat(16)7
Avg EPS beat(16)11.24%
Revenue beat(2)0
Avg Revenue beat(2)-9.32%
Min Revenue beat(2)-12.57%
Max Revenue beat(2)-6.08%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-49.18%
EPS NQ rev (3m)-53.6%
EPS NY rev (1m)0.27%
EPS NY rev (3m)-30.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.03%
Revenue NY rev (3m)6.45%
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
Profitability
Industry RankSector Rank
ROA 3.02%
ROE 16.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.31%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.1%
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)39.17%
EPS 3Y259.16%
EPS 5Y102.61%
EPS Q2Q%-58.81%
EPS Next Y-40.04%
EPS Next 2Y-2.72%
EPS Next 3Y-12.99%
EPS Next 5YN/A
Revenue 1Y (TTM)-12.36%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%-9.03%
Revenue Next Year20.51%
Revenue Next 2Y16.65%
Revenue Next 3Y-0.44%
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-566.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-534%
OCF growth 3YN/A
OCF growth 5YN/A