55.46 USD
-0.43 (-0.77%)
Last: Jan 30, 2026, 11:33 AM
Taking everything into account, GGAL scores 2 out of 10 in our fundamental rating. GGAL was compared to 383 industry peers in the Banks industry. GGAL has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, GGAL is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- GGAL had positive earnings in each of the past 5 years.
- In multiple years GGAL reported negative operating cash flow during the last 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.02%, GGAL belongs to the top of the industry, outperforming 99.74% of the companies in the same industry.
- GGAL's Return On Equity of 16.44% is amongst the best of the industry. GGAL outperforms 95.56% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- GGAL has a worse Profit Margin (13.31%) than 79.63% of its industry peers.
- GGAL's Profit Margin has improved in the last couple of years.
- 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) | 13.31% | ||
| 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
2. Health
2.1 Basic Checks
- Compared to 1 year ago, GGAL has more shares outstanding
- 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.
2.2 Solvency
- A Debt/Equity ratio of 0.75 indicates that GGAL is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.75, GGAL is doing worse than 81.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| 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 for GGAL have decreased by -5.05% in the last year.
- Measured over the past years, GGAL shows a very strong growth in Earnings Per Share. The EPS has been growing by 103.06% on average per year.
- The Revenue has grown by 150.16% in the past year. This is a very strong growth!
- GGAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 107.61% yearly.
EPS 1Y (TTM)-5.05%
EPS 3Y260.49%
EPS 5Y103.06%
EPS Q2Q%-148.44%
Revenue 1Y (TTM)150.16%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%35.48%
3.2 Future
- The Earnings Per Share is expected to decrease by -42.33% on average over the next years. This is quite bad
- GGAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.29% yearly.
EPS Next Y-71.98%
EPS Next 2Y-14.26%
EPS Next 3Y-42.33%
EPS Next 5YN/A
Revenue Next Year23.92%
Revenue Next 2Y20.94%
Revenue Next 3Y0.29%
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 decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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 decrease with -42.33% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.26%
EPS Next 3Y-42.33%
5. Dividend
5.1 Amount
- GGAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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.