53.53 USD
+2.45 (+4.8%)
Taking everything into account, GGAL scores 2 out of 10 in our fundamental rating. GGAL was compared to 387 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.
1. Profitability
1.1 Basic Checks
GGAL had positive earnings in each of the past 5 years.
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
With an excellent Return On Assets value of 3.02%, GGAL belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
GGAL has a better Return On Equity (16.44%) than 95.61% 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 80.36% of its industry peers.
GGAL's Profit Margin has improved 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) | 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
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
GGAL has a worse debt/assets ratio than last year.
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: 82.43% of the companies in the same industry are doing better.
| 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
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.
The Earnings Per Share has been growing by 102.61% on average over the past years. This is a very strong growth
Looking at the last year, GGAL shows a very negative growth in Revenue. The Revenue has decreased by -12.36% in the last year.
The Revenue has been growing by 107.61% on average over the past years. This is a very strong growth!
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 -13.55% on average per year.
Based on estimates for the next years, GGAL will show a decrease in Revenue. The Revenue will decrease by -0.44% on average per year.
EPS Next Y-55.82%
EPS Next 2Y-7.66%
EPS Next 3Y-13.55%
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.
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 -13.55% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.66%
EPS Next 3Y-13.55%
5. Dividend
5.1 Amount
No dividends for GGAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:GGAL (11/28/2025, 12:29:07 PM)
53.53
+2.45 (+4.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.7%
Inst Owner Change-15.02%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.60B
Revenue(TTM)8.56T
Net Income(TTM)1.14T
Analysts81.33
Price TargetN/A
Short Float %5.73%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP30.17%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-85.02%
EPS NQ rev (3m)-95.04%
EPS NY rev (1m)-6.95%
EPS NY rev (3m)-26.13%
Revenue NQ rev (1m)-0.28%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.03%
Valuation
| Industry Rank | Sector 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 Rank | Sector 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 Rank | Sector 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-55.82%
EPS Next 2Y-7.66%
EPS Next 3Y-13.55%
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
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%.