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GRUPO FINANCIERO GALICIA-ADR (GGAL) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:GGAL - US3999091008 - ADR

54.17 USD
+0.27 (+0.5%)
Last: 12/19/2025, 8:00:01 PM
54.17 USD
0 (0%)
After Hours: 12/19/2025, 8:00:01 PM
Fundamental Rating

2

Taking everything into account, GGAL scores 2 out of 10 in our fundamental rating. GGAL was compared to 388 industry peers in the Banks industry. GGAL may be in some trouble as it scores bad on both profitability and health. GGAL is valied quite expensively at the moment, while it does show a decent growth rate.


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.
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 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.
Looking at the Return On Equity, with a value of 16.44%, GGAL belongs to the top of the industry, outperforming 95.62% 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

The Profit Margin of GGAL (13.31%) is worse than 79.90% 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 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.
GGAL has more shares outstanding than it did 5 years ago.
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

A Debt/Equity ratio of 0.75 indicates that GGAL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.75, GGAL is not doing good in the industry: 82.47% of the companies in the same industry are doing better.
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

The earnings per share for GGAL have decreased by -5.15% in the last year.
GGAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 102.61% yearly.
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)-5.15%
EPS 3Y259.16%
EPS 5Y102.61%
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 -12.65% on average over the next years. This is quite bad
The Revenue is expected to decrease by -0.42% on average over the next years.
EPS Next Y-59.03%
EPS Next 2Y-7.22%
EPS Next 3Y-12.65%
EPS Next 5YN/A
Revenue Next Year20.45%
Revenue Next 2Y16.75%
Revenue Next 3Y-0.42%
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.
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

GGAL's earnings are expected to decrease with -12.65% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.22%
EPS Next 3Y-12.65%

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0

5. Dividend

5.1 Amount

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

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GRUPO FINANCIERO GALICIA-ADR

NASDAQ:GGAL (12/19/2025, 8:00:01 PM)

After market: 54.17 0 (0%)

54.17

+0.27 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-26 2025-11-26/dmh
Earnings (Next)02-23 2026-02-23
Inst Owners35.59%
Inst Owner Change-15.19%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.70B
Revenue(TTM)9.20T
Net Income(TTM)1.14T
Analysts84
Price TargetN/A
Short Float %4.73%
Short Ratio2.59
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP30.17%
Div Incr Years3
Div Non Decr Years3
Ex-Date12-01 2025-12-01 (0.140631)
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)0%
EPS NQ rev (3m)-90.24%
EPS NY rev (1m)-7.25%
EPS NY rev (3m)-31.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.05%
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 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
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 Turnover0.23
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)-5.15%
EPS 3Y259.16%
EPS 5Y102.61%
EPS Q2Q%-148.44%
EPS Next Y-59.03%
EPS Next 2Y-7.22%
EPS Next 3Y-12.65%
EPS Next 5YN/A
Revenue 1Y (TTM)150.16%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%35.48%
Revenue Next Year20.45%
Revenue Next 2Y16.75%
Revenue Next 3Y-0.42%
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

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 of GRUPO FINANCIERO GALICIA-ADR (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.


How sustainable is the dividend of GRUPO FINANCIERO GALICIA-ADR (GGAL) stock?

The dividend rating of GRUPO FINANCIERO GALICIA-ADR (GGAL) is 0 / 10 and the dividend payout ratio is 30.17%.