Grupo Financiero Galicia S.A. GGAL
- Market cap
- $5.3B
- P/E
- 19.6×
Follow GGAL
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 22.77 | 27.50 | 18.30 | 9.53 | 5.66 | 7.00 | 5.75 | 9.47 | 15.32 | 25.89 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 33.08 | 67.20 | 73.45 | 39.22 | 16.89 | 12.75 | 11.28 | 19.13 | 70.30 | 74.00 |
High Price
|
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| 11,956 | 11,956 | 10,209 | 9,718 | 9,271 | 8,717 | 8,764 | 9,489 | 12,440 | 10,079 |
Employees
|
|||
| 0 | 0 | 0 | 1 | 0 | 1 | 1 | 3 | 1 | 1 |
Revenue/Emp
|
|||
| 3,844 | 4,194 | 3,992 | 5,051 | 4,367 | 5,111 | 9,991 | 24,986 | 11,637 | 10,559 |
Revenue
|
|||
| 64.36% | 70.71% | 60.07% | 60.79% | 70.68% | 62.84% | 56.50% | 53.97% | 70.75% | 70.62% |
Gross Margin
|
|||
| 634 | 802 | 120 | 763 | 616 | 499 | 505 | 2,063 | 2,432 | 243 |
EBT
|
|||
| 16.50% | 19.13% | 3.00% | 15.11% | 14.10% | 9.76% | 5.06% | 8.26% | 20.90% | 2.30% |
EBT Margin
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| 0 | 0 | 120 | 763 | 616 | 499 | 505 | 2,063 | 2,432 | 243 |
Net Income
|
|||
| — | — | 59 | 105 | 118 | 152 | 215 | 320 | 207 | 244 |
Depreciation
|
|||
| 29.56 | 31.47 | 27.98 | 35.40 | 30.27 | 34.66 | 67.75 | 169.43 | 71.62 | 65.82 |
Revenue/Sh
|
|||
| 3.14 | 3.78 | 3.59 | 3.46 | 2.47 | 2.22 | 2.60 | 8.72 | 12.03 | 1.08 |
Earnings/Sh
|
|||
| 13.02 | (0.40) | 21.46 | (1.53) | 18.09 | 20.14 | 30.30 | 42.96 | 23.71 | (8.01) |
Cash Flow/Sh
|
|||
| (0.47) | (0.42) | (0.91) | (0.76) | (0.68) | (0.66) | (0.94) | (1.78) | (1.41) | (1.12) |
Capex/Sh
|
|||
| 12.55 | (0.82) | 20.56 | (2.29) | 17.41 | 19.47 | 29.36 | 41.18 | 22.31 | (9.12) |
Free CF/Sh
|
|||
| 10.60 | 17.81 | 15.39 | 16.95 | 17.95 | 21.68 | 31.79 | 51.98 | 41.05 | 38.70 |
Book Value/Sh
|
|||
| 130 | 133 | 143 | 143 | 144 | 147 | 147 | 147 | 162 | 160 |
Shares
|
|||
| 8.09 | 20.49 | 7.43 | 2.72 | 2.36 | 3.49 | 3.76 | 5.96 | 5.67 | 8.40 |
PE Ratio
|
|||
| 1.21 | 2.91 | 0.99 | 0.55 | 3.61 | 0.37 | 0.14 | 0.22 | 0.87 | 0.66 |
PS Ratio
|
|||
| 2.56 | 6.62 | 1.79 | 1.38 | 7.43 | 0.83 | 0.30 | 0.43 | 1.52 | 1.43 |
PB Ratio
|
|||
| 1.16 | 2.83 | 0.13 | 0.32 | 3.08 | (0.20) | (0.21) | (0.04) | 0.33 | 0.24 |
EV/Sales
|
|||
| 1.74 | (18.10) | 0.18 | 0.30 | 2.39 | (0.17) | (0.26) | (0.04) | 0.46 | 0.45 |
EV/FCF
|
|||
| 1,693 | (53) | 3,062 | (219) | 2,609 | 2,970 | 4,468 | 6,336 | 3,853 | (1,284) |
Op' Cash Flow
|
|||
| (61) | (56) | (129) | (108) | (97) | (98) | (138) | (263) | (229) | (179) |
Capex
|
|||
| 1,632 | (110) | 2,933 | (327) | 2,512 | 2,872 | 4,330 | 6,073 | 3,624 | (1,463) |
FCF
|
|||
| 4,366 | 5,006 | 1,998 | 3,638 | 2,461 | 1,286 | (2,931) | 1,178 | 2,027 | 3,716 |
Working Cap'
|
|||
| — | — | 1,755 | 1,076 | 439 | 543 | 807 | 352 | 1,110 | 2,003 |
Total Debt
|
|||
| (4,141) | (3,422) | (3,406) | (2,251) | (4,459) | (4,084) | (3,529) | (11,679) | (6,309) | (6,071) |
Net Debt
|
|||
| 1,378 | 2,374 | 2,196 | 2,418 | 2,589 | 3,197 | 4,688 | 7,666 | 6,670 | 6,208 |
Sh' Equity
|
|||
| 2.40% | 2.72% | (0.60%) | 2.85% | 2.45% | 2.00% | 1.72% | 3.96% | 4.79% | 0.47% |
ROA
|
|||
| 0.00% | 0.00% | 0.00% | 285.28% | 0.00% | 0.00% | 27.25% | 0.00% | 585.02% | 1,192.52% |
ROIC
|
|||
| 0.00% | 0.00% | (7.60%) | 21.27% | 14.29% | 11.29% | 9.50% | 20.74% | 24.93% | 2.64% |
ROE
|
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Grupo Financiero Galicia S.A. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FLG Flagstar Bank, National Association | $5.1B | 414× | Compare |
| OZK Bank OZK | $5.1B | 7.7× | Compare |
| AX AXOS FINANCIAL, INC | $5.0B | 10.3× | Compare |
| ABCB Ameris Bancorp | $5.5B | 14.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ASB Associated Banc-Corp | $5.5B | 10.2× | Compare |
| AUB Atlantic Union Bankshares Corporation | $5.5B | 11.6× | Compare |
| EBC Eastern Bankshares, Inc. | $4.9B | 12.2× | Compare |
| GBCI Glacier Bancorp, Inc. | $5.8B | 18.3× | Compare |
Grupo Financiero Galicia S.A. (GGAL) key facts
- Grupo Financiero Galicia S.A. (GGAL) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
- Grupo Financiero Galicia S.A.’s revenue for fiscal 2025 (year ended December 2025) was ARS 10.6 billion, down 9.26% from fiscal 2024.
- As of September 25, 2026, GGAL traded at $38.74, a market capitalization of $5.3 billion.
- Grupo Financiero Galicia S.A. pays an annual dividend of $0.59 per share, a yield of 1.49%, with a payout ratio of 11.1%.
- Return on equity was 2.64% and debt-to-equity 0.00.
Grupo Financiero Galicia S.A. (GGAL) Latest News
21 Sep
GGAL (Grupo Financiero Galicia) is favored over UOVEY (United Overseas Bank) on value metrics and earnings outlook. GGAL earns a Zacks Rank of #2 (Buy) while UOVEY is #3 (Hold), with GGAL’s earnings outlook seen as improving more than UOVEY’s. Valuation backs the edge: GGAL’s forward P/E is 11.32 versus 12.59 for UOVEY, a PEG of 0.24 versus 1.42, and a P/B of 1.04 versus 1.37. These factors give GGAL a Value grade of A and UOVEY a D, suggesting GGAL currently offers the stronger value opportunity in the Banks - Foreign space. The analysis implies GGAL’s valuation and earnings trajectory support a more favorable risk-reward, though both are highlighted for value-focused investors. The piece also promotes Zacks’ reporting service. Stronger earnings revisions and a superior value profile for GGAL relative to UOVEY support a more favorable near-term sentiment.
26 Aug
Grupo Financiero Galicia SA net income rises 12% in Q2 2026. 12% net income growth signals improved financial results likely affecting market views on Grupo Financiero Galicia SA.
Grupo Financiero Galicia S.A. released Q2 earnings call highlights covering financial results and operations. Q2 earnings details can moderately shift short-term investor sentiment and stock performance for GGAL.
19 May
Grupo Financiero Galicia S.A. reported Q1 net income growth, higher loan volumes, stable net interest margins, and cost control measures while noting Argentina's inflation and regulatory environment impacts on operations. Q1 earnings update supplies fresh financial metrics that may shift near-term investor sentiment but do not signal major strategic or regulatory shifts.
5 May
JPMorgan cuts price target for Grupo Financiero Galicia (GGAL), shifting the investment story amid concerns over Argentine financial sector dynamics and company performance. JPMorgan's price target reduction signals major shifts in investor sentiment and market dynamics for GGAL, potentially altering its trajectory.
6 Mar
Grupo Financiero Galicia SA (GGAL) Q4 2025 earnings call highlights navigating challenges with strategic initiatives amid economic pressures, reporting key financial metrics, loan growth, profitability measures, and forward guidance. Q4 earnings call highlights detail financial performance and strategic responses to challenges, significantly influencing investor sentiment and stock trajectory.
5 Mar
Grupo Financiero Galicia S.A. (GGAL) shared Q4 earnings call highlights, covering financial results, strategic outlook, and key performance metrics for the quarter. Q4 earnings highlights disclose financial results and guidance that significantly shape investor expectations and stock trajectory.
10 Feb
Grupo Financiero Galicia S.A. (GGAL) has been identified as a strong sell stock due to various negative indicators affecting its performance. Analysts have raised concerns about the company's financial health and market position, suggesting that investors should reconsider their holdings. The stock's recent performance has not met expectations, leading to a bearish outlook for the near future. Negative indicators and concerns about financial health are likely to significantly impact investor sentiment and the company's market performance.
24 Jan
A fresh price target for Grupo Financiero Galicia S.A. (GGAL) has emerged, reframing investor perceptions and expectations regarding the company's future performance. Analysts are optimistic about the bank's growth potential, driven by favorable market conditions and strategic initiatives. The updated target reflects a more positive outlook, suggesting that GGAL may be well-positioned to capitalize on emerging opportunities in the financial sector. The new price target indicates significant potential for growth and shifts in market dynamics that could alter investor sentiment.
17 Dec
Nu Holdings experienced a decline following mixed institutional moves that indicate uncertainty in the market. This volatility has raised concerns among investors, particularly affecting related financial entities, including Grupo Financiero Galicia S.A. (GGAL). Market sentiment remains cautious as stakeholders assess the implications of these developments on future performance. Mixed institutional moves signal potential shifts in market sentiment that could moderately influence GGAL's performance.
16 Dec
Grupo Financiero Galicia S.A. is experiencing a shift in narrative as analysts present mixed signals regarding its future performance. While some analysts express optimism about the company's growth potential, others highlight concerns over market conditions and competitive pressures. This divergence in analyst opinions reflects broader uncertainties in the financial sector, impacting investor sentiment and stock performance. The company's strategic decisions and market positioning will be crucial in navigating these challenges and capitalizing on opportunities. Mixed analyst signals indicate a moderately noticeable influence on the company's financial performance and market positioning.
1 Dec
Grupo Financiero Galicia S.A. is navigating a shifting economic landscape in Argentina, marked by changes in government policies and market conditions. The financial institution is adapting its strategies to align with the evolving outlook, focusing on maintaining stability and growth amid potential challenges. Investors are closely monitoring these developments as they could influence the bank's performance and competitive positioning in the market. Significant changes in Argentina's economic policies and market dynamics are likely to impact the bank's future performance and investor sentiment.
25 Nov
Grupo Financiero Galicia S.A. reported its Q3 earnings, showcasing significant financial metrics and performance indicators. The results reflect the company's ongoing strategies and market conditions, highlighting areas of growth and potential challenges. Investors are keenly observing these developments as they may influence future market positioning and operational decisions. Q3 earnings results may affect financial performance and market sentiment but are not expected to drastically change the company's trajectory.
24 Nov
Grupo Financiero Galicia S.A. (GGAL) experienced a decline in its stock price due to idiosyncratic issues affecting the company. These challenges are specific to GGAL and are not reflective of broader market trends. Investors are concerned about the implications of these issues on the company's future performance and market position. Idiosyncratic issues are expected to moderately influence the company's financial performance and market sentiment.
17 Nov
Grupo Financiero Galicia S.A. is navigating a changing economic landscape in Argentina, influenced by new government policies and market conditions. The company is adapting its strategies to address inflation, currency fluctuations, and regulatory changes, which are reshaping investor sentiment and operational dynamics. Analysts are closely monitoring these developments as they could significantly impact the bank's performance and competitive positioning in the financial sector. Significant regulatory changes and economic shifts in Argentina are likely to impact the company's future performance and market positioning.
3 Nov
Grupo Financiero Galicia S.A. is experiencing a shift in narrative due to recent analyst upgrades and changing market conditions. Analysts are increasingly optimistic about the company's growth prospects, driven by improved economic indicators and strategic initiatives. This evolving sentiment is reflected in the stock's performance, suggesting a potential upward trajectory as investor confidence builds. The company is adapting to new market dynamics, positioning itself for future opportunities in the financial sector. Analyst upgrades and positive market shifts indicate significant potential for improved financial performance and investor sentiment.
28 Oct
Grupo Financiero Galicia S.A. (GGAL) experienced a significant surge of 38.7% in its stock price following a rally in Argentine markets, driven by the election victory of Javier Milei. Investors reacted positively to Milei's pro-market policies, which are expected to impact the financial sector favorably. This surge reflects heightened market optimism and a potential shift in economic direction under Milei's leadership. Milei's election victory is likely to lead to significant regulatory changes and market dynamics that could alter the company's trajectory and investor sentiment.
27 Oct
Following Javier Milei's election victory in Argentina, the peso and stock market experienced a significant surge. Investors reacted positively to Milei's proposed economic reforms aimed at stabilizing the economy and addressing inflation. Grupo Financiero Galicia S.A. (GGAL) benefited from this market optimism, reflecting a broader trend of increased confidence in Argentine assets. The election results signal potential changes in economic policy that could impact financial institutions and the overall market landscape. Milei's election win is expected to lead to significant economic reforms that could greatly influence the financial sector and investor sentiment.
Following Javier Milei's election victory in Argentina, the Argentine peso and MercadoLibre stock experienced significant gains. Investors reacted positively to Milei's proposed economic reforms, which aim to stabilize the economy and address inflation. Grupo Financiero Galicia S.A. (GGAL) is likely to benefit from these developments as the financial sector may see increased activity and investor confidence in the wake of potential policy changes. Milei's election win could lead to significant economic reforms that may positively impact the financial sector and investor sentiment.
Grupo Financiero Galicia S.A. (GGAL) is facing significant market dynamics as it prepares for the stock market opening. Key factors influencing its performance include recent economic indicators, regulatory changes, and shifts in investor sentiment. Analysts are closely monitoring these developments, which could impact GGAL's financial outlook and competitive positioning in the financial sector. Significant market dynamics and regulatory changes are likely to impact GGAL's future performance and investor sentiment.
Argentine stocks, including Grupo Financiero Galicia S.A. (GGAL), experienced a surge in U.S. markets following Javier Milei's election victory. Investors reacted positively to Milei's pro-market policies, which are expected to drive economic reforms and attract foreign investment. The election results have sparked optimism about potential changes in Argentina's economic landscape, leading to increased trading activity and a rise in stock prices. Milei's election win is likely to lead to significant economic reforms that could positively impact financial institutions like GGAL.
20 Oct
Recent shifts in the financial landscape are significantly impacting Grupo Financiero Galicia S.A. (GGAL). Changes in regulatory frameworks and market dynamics are prompting the company to adapt its strategies. These developments could enhance GGAL's competitive positioning and influence its financial performance moving forward. Major strategic moves and shifts in market dynamics are likely to significantly alter the company's trajectory.
15 Oct
Grupo Financiero Galicia S.A. (GGAL) experienced a decline in its stock price due to rising inflation expectations in Argentina. Analysts are concerned that increased inflation could lead to higher interest rates, impacting the financial sector's profitability. The market reacted negatively as investors reassessed the company's outlook amidst these economic pressures. Rising inflation expectations may moderately affect GGAL's financial performance and market sentiment.
9 Oct
Grupo Financiero Galicia S.A. (GGAL) shares surged 21.6% following news that the U.S. is preparing to assist Argentina's struggling economy. The potential support is seen as a positive development for Argentine financial institutions, including GGAL, which may benefit from improved economic conditions and increased investor confidence. U.S. assistance to Argentina could significantly enhance the economic environment, positively impacting GGAL's performance.
HSBC has initiated coverage of Grupo Financiero Galicia S.A. (GGAL) with a 'Buy' rating and has maintained its price target. This move signals confidence in the company's growth potential and market position. HSBC's initiation of coverage with a 'Buy' rating indicates significant confidence in GGAL's future performance and market dynamics.
6 Oct
Analysts are optimistic about Grupo Financiero Galicia S.A. (GGAL) due to recent strategic changes and improved financial metrics. The company is focusing on digital transformation and enhancing customer experience, which are expected to drive growth. Additionally, macroeconomic factors in Argentina are showing signs of stabilization, potentially benefiting GGAL's performance. Analysts believe these developments could lead to a more favorable outlook for the company in the coming quarters. Strategic changes and improved financial metrics are likely to significantly impact GGAL's future performance and investor sentiment.
23 Sep
Grupo Financiero Galicia S.A. (GGAL) has reported an end to its losses following assurances from the U.S. government to provide support to Argentina. This development is expected to positively influence the financial landscape in the country, potentially benefiting GGAL's operations and market position. U.S. government support for Argentina is likely to significantly impact GGAL's financial performance and market sentiment.
19 Sep
Grupo Financiero Galicia S.A. (GGAL) faces significant challenges due to ongoing economic uncertainties in Argentina, impacting its financial stability and market performance. The volatile economic environment, characterized by inflation and currency fluctuations, has raised concerns among investors and analysts regarding the bank's future profitability and growth prospects. As a result, GGAL's stock has experienced downward pressure, reflecting broader market apprehensions about the Argentine economy. Economic uncertainties in Argentina are likely to significantly impact GGAL's financial performance and investor sentiment.
8 Sep
Milei's recent electoral setback has caused significant turmoil in Argentina's financial markets, leading to a decline in the value of the peso and increased volatility in stocks. Investors are concerned about the implications for economic reforms and stability under his leadership. The uncertainty surrounding Milei's policies has rattled confidence, particularly affecting financial institutions like Grupo Financiero Galicia S.A. (GGAL), which may face challenges in navigating the shifting economic landscape. Milei's electoral setback is likely to significantly impact investor sentiment and the financial sector's stability in Argentina.
29 Aug
Grupo Financiero Galicia S.A. (GGAL) has been identified as a strong sell stock due to various negative indicators affecting its market performance. Analysts have raised concerns about the company's financial health and competitive positioning, suggesting that investors should reconsider their holdings. The stock's recent performance has not met expectations, leading to a bearish outlook for the near future. Negative indicators and concerns about financial health are likely to significantly impact investor sentiment and the company's future performance.