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Grupo Financiero Galicia S.A.

GGAL Financial Banks Regional

Grupo Financiero Galicia S.A.’s revenue for fiscal 2025 (year ended December 2025) was $10.6 billion, down 9.26% from fiscal 2024.

Revenue
−91.1%
EPS
−72.0%
Free cash flow
−347.5%

Quarter to June 2026, against a year earlier

30.11 0.84 −2.71%
Market cap
$4.0B
P/E
15.2×
Fwd P/E
—
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 4.25
Sold, $m 0.19
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 1 1 — — — —
Sell — — — 1 — — — — — — — —
Insider Ownership 17.56%

Capital & Financial Ratios $m

Size
Market Cap 3,960.00
Revenue ttm 4,030.99
Net income ttm 211.69
Free cash flow ttm 6,921.26
Net debt Q (4,368.64)
Valuation
P/E 15.21
Forward P/E —
Price / sales 1.20
Forward P/S Powerpack
Price / FCF 0.70
Price / book 0.80
Financial health
Current ratio Q 1.08
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −91.05% (below 0%: shrinking)
Operating income growth Q −119.52% (below 0%: shrinking)
EPS, this year +382.77% (at or above 15%: strong)
EPS, next year A +39.32% (at or above 15%: strong)
Revenue, next year A —
EPS, past 5 yrs −15.56% (below 0%: weak)
EPS, next 5 yrs A +108.73% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 91.24%
10-year low 10-year high
P/S against its own 10 years 58.09%
10-year low 10-year high
P/B against its own 10 years 19.66%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2016–22
+24.6%/yr
  1. 0.08 ’16
  2. 0.12 ’17 +46
  3. 0.36 ’18 +204
  4. 0.31 ’19 −15
  5. 0.08 ’20 −75
  6. 0.06 ’21 −15
  7. 0.31 ’22 +375
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 12,031 7,419 8,075 4,369
Receivables — — — —
Inventory — — — —
Other — — — —
23,738 23,246 26,693 23,501
2023 2024 2025 Q'26
Payables 21,690 20,498 22,135 20,324
ST’ Debt — — — —
Other — — — —
22,560 21,219 22,978 21,824

Compound Annual Growth %

10y 5y 3y
Sales 9.28% 19.31% 1.86%
Cash Flow 0.00% 0.00% 0.00%
Earnings (9.71%) (13.82%) (23.14%)
Book Value 14.69% 19.11% 9.81%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.90 Actual 1.14

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2020 0.64 0.52 Miss by 0.12
Sep 2021 1.66 0.66 Miss by 1.00
Mar 2026 0.36 0.29 Miss by 0.07
Jun 2026 0.90 1.14 Beat by 0.24
Sep 2026 1.17 — Reports 24 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.29 1.14 — — —
’25 0.96 — (0.41) — 1.06
’24 2.08 3.05 1.25 4.08 12.03
’23 0.64 — — — 8.72
’22 0.33 0.30 0.56 1.35 2.60
’21 — — 0.66 — 2.22
’20 0.95 0.59 0.52 — 2.47
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 672 768 — — —
’25 2,181 — 410 — 10,559
’24 506 526 2,021 8,583 11,637
’23 568 — — — 24,986
’22 1,440 1,669 1,028 5,854 9,991
’21 — — 1,164 — 5,111
’20 957 833 831 — 4,367
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 (966) — — — (1,284)
’24 — — 5,325 (1,472) 3,853
’23 — — — — 6,336
’22 — — — 4,468 4,468
’21 — — — — 2,970
’20 — — — — 2,609
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 (1,033) — — — (1,463)
’24 — — 5,177 (1,553) 3,624
’23 — — — — 6,073
’22 — — — 4,330 4,330
’21 — — — — 2,872
’20 — — — — 2,512
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 3,844 4,194 3,992 5,051 4,367 5,111 9,991 24,986 11,637 10,559 4,031 +11.9% — — — —
Gross margin, % 64.36 70.71 60.07 60.79 70.68 62.84 56.50 53.97 70.75 70.62 84.41 +6.3 pt
EBT 634 802 120 763 616 499 505 2,063 2,432 243 401 (10.1%)
EBT margin, % 16.50 19.13 3.00 15.11 14.10 9.76 5.06 8.26 20.90 2.30 9.96 (14.2) pt
Net income 0 0 120 763 616 499 505 2,063 2,432 243 212 n/m
Per share, $
Per share, $ Revenue 29.56 31.47 27.98 35.40 30.27 34.66 67.75 169.43 71.62 65.82 25.09 +9.3%
Earnings 3.14 3.78 (0.86) 3.46 2.47 2.22 2.60 8.72 12.03 1.08 1.98 (11.2%)
Cash flow 13.02 (0.40) 21.46 (1.53) 18.09 20.14 30.30 42.96 23.71 (8.01) 0.00 n/m
Capex (0.47) (0.42) (0.91) (0.76) (0.68) (0.66) (0.94) (1.78) (1.41) (1.12) 0.00 +10.1%
Free cash flow 12.55 (0.82) 20.56 (2.29) 17.41 19.47 29.36 41.18 22.31 (9.12) 0.00 n/m
Book value 10.60 17.81 15.39 16.95 17.95 21.68 31.79 51.98 41.05 38.70 40.08 +15.5%
Shares, m 130 133 143 143 144 147 147 147 162 160 160 +2.4%
Valuation, ×
Valuation, × P/E 8.09 20.49 7.43 2.72 2.36 3.49 3.76 5.96 5.96 9.17 15.21 6.9
P/S 1.21 2.91 0.99 0.55 3.61 0.37 0.14 0.22 1.11 0.66 1.20 1.2
P/B 2.56 6.62 1.79 1.38 7.43 0.83 0.30 0.43 1.94 1.43 0.80 2.5
EV/Sales 1.16 2.83 0.13 0.32 3.08 (0.20) (0.21) (0.04) 0.33 0.24 — 0.8
EV/FCF 1.74 (18.10) 0.18 0.30 2.39 (0.17) (0.26) (0.04) 0.46 0.45 — (1.3)
Cash, $m
Cash, $m Operating cash flow 1,693 (53) 3,062 (219) 2,609 2,970 4,468 6,336 3,853 (1,284) 7,355 n/m
Capex (61) (56) (129) (108) (97) (98) (138) (263) (229) (179) (433) +12.7%
Free cash flow 1,632 (110) 2,933 (327) 2,512 2,872 4,330 6,073 3,624 (1,463) 6,921 n/m
Balance, $m
Balance, $m Working capital 4,366 5,006 1,998 3,638 2,461 1,286 (2,931) 1,178 2,027 3,716 1,677 (1.8%)
Net debt (4,141) (3,422) (3,406) (2,251) (4,459) (4,084) (3,529) (11,679) (6,309) (6,071) (4,369) +4.3%
Shareholders’ equity 1,378 2,374 2,196 2,418 2,589 3,197 4,688 7,666 6,670 6,208 6,439 +18.2%
Returns, %
Returns, % ROA 2.40 2.72 (0.60) 2.85 2.45 2.00 1.72 3.96 4.79 0.47 1.00 (1.9) pt
ROIC 0.00 0.00 0.00 285.28 0.00 0.00 27.25 0.00 585.02 1,192.52 (76.07) +1,192.5 pt
ROE 0.00 0.00 (7.60) 21.27 14.29 11.29 9.50 20.74 24.93 2.64 0.00 +2.6 pt
People
People Employees 11,956 11,956 10,209 9,718 9,271 8,717 8,764 9,489 12,440 10,079 — (1.9%)
Revenue/emp, $m 0.32 0.35 0.39 0.52 0.47 0.59 1.14 2.63 0.94 1.05 — +14.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Grupo Financiero Galicia S.A. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
CVBF CVB Financial Corporation $4.0B 15.2× 14.0× +45.38% (above 0%: growing) +15.79% (above 0%: growing) +641.25% (above 0%: growing) 82.47% 0.00% Compare
WSFS WSFS Financial Corporation $4.0B 12.4× 11.7× +2.90% (above 0%: growing) +27.74% (above 0%: growing) +35.81% (above 0%: growing) 81.03% 0.00% Compare
GGAL Grupo Financiero Galicia S.A. $4.0B 15.2× — −91.05% (below 0%: shrinking) −72.04% (below 0%: shrinking) −347.48% (below 0%: shrinking) 100.00% 0.00%
INDB Independent Bank Corp. $4.0B 12.5× 11.5× +3.14% (above 0%: growing) +175.36% (above 0%: growing) −34.59% (below 0%: shrinking) 75.78% 0.00% Compare
FBP First BanCorp. $3.9B 10.8× 10.9× +3.16% (above 0%: growing) +1.59% (above 0%: growing) −5.21% (below 0%: shrinking) 80.42% 0.00% Compare
BANF BancFirst Corporation $3.9B 15.0× 14.3× −78.96% (below 0%: shrinking) +6.38% (above 0%: growing) +13.82% (above 0%: growing) 100.00% 0.00% Compare
Median of peers $4.0B 12.5× 11.6× +3.02% +15.79% +11.76% 80.73% 0.00%

All 327 Banks Regional stocks →

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GGAL metrics, ten years each

stockrow.com/GGAL · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com