Saturday 17 October 2026 Export GGAL’s income statement to Excel — free account

Grupo Financiero Galicia S.A.

Grupo Financiero Galicia S.A.’s revenue for fiscal 2025 (year ended December 2025) was $10.6 billion, down 9.26% from fiscal 2024. In the quarter to June 2026, revenue fell 91.1%, EPS fell 75.3% and free cash flow fell 347.5%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

36.02 0.45 −1.23%

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Market cap: $4.8B
P/E: 18.2×
Fwd P/E: —
Dividend yield: —
F-score: 3/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 4.25

Total sells 0.19

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	1	1	—	—	—
Sell	—	—	—	—	1	—	—	—	—	—	—	—

Insider Ownership 17.56%

Capital & Financial Ratios $m

Market Cap 4,830.00

Revenue 4,030.99

Net Income 211.69

Free Cash Flow 6,921.26

Net Debt (4,368.64)

Current Ratio 1.08

Debt/Equity 0.00

P/E ratio 18.19

Fwd P/E —

P/S ratio 1.44

P/B ratio 0.95

Past 5Y EPS Growth (15.56%)

This Y EPS Growth 382.77%

Next Y EPS Growth 39.32%

Next Y revenue growth —

Next 5Y EPS Growth 108.73%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 94.18%

10-year low 10-year high

P/S against its own 10 years 69.81%

10-year low 10-year high

P/B against its own 10 years 28.42%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2022	0.31	0.31 0.09
2021	0.06	0.06
2020	0.08	0.08
2019	0.31	0.31
2018	0.36	0.36
2017	0.12	0.12 0.00
2016	0.08	0.08

special payouts not included in total or ratios

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%

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.

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	4.62	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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	33.08	67.20	73.45	39.22	16.89	12.75	11.28	19.13	70.30	74.00
People
People	Employees	11,956	11,956	10,209	9,718	9,271	8,717	8,764	9,489	12,440	10,079
	Revenue/emp, $m	0.32	0.35	0.39	0.52	0.47	0.59	1.14	2.63	0.94	1.05
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
	Gross margin, %	64.36	70.71	60.07	60.79	70.68	62.84	56.50	53.97	70.75	70.62
	EBT	634	802	120	763	616	499	505	2,063	2,432	243
	EBT margin, %	16.50	19.13	3.00	15.11	14.10	9.76	5.06	8.26	20.90	2.30
	Net income	0	0	120	763	616	499	505	2,063	2,432	243
	Depreciation	—	—	59	105	118	152	215	320	207	244
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
	Earnings	3.14	3.78	3.59	3.46	2.47	2.22	2.60	8.72	12.03	1.08
	Cash flow	13.02	(0.40)	21.46	(1.53)	18.09	20.14	30.30	42.96	23.71	(8.01)
	Capex	(0.47)	(0.42)	(0.91)	(0.76)	(0.68)	(0.66)	(0.94)	(1.78)	(1.41)	(1.12)
	Free cash flow	12.55	(0.82)	20.56	(2.29)	17.41	19.47	29.36	41.18	22.31	(9.12)
	Book value	10.60	17.81	15.39	16.95	17.95	21.68	31.79	51.98	41.05	38.70
	Shares, m	130	133	143	143	144	147	147	147	162	160
Valuation, ×
Valuation, ×	P/E	8.09	20.49	7.43	2.72	2.36	3.49	3.76	5.96	5.67	8.40
	P/S	1.21	2.91	0.99	0.55	3.61	0.37	0.14	0.22	0.87	0.66
	P/B	2.56	6.62	1.79	1.38	7.43	0.83	0.30	0.43	1.52	1.43
	EV/Sales	1.16	2.83	0.13	0.32	3.08	(0.20)	(0.21)	(0.04)	0.33	0.24
	EV/FCF	1.74	(18.10)	0.18	0.30	2.39	(0.17)	(0.26)	(0.04)	0.46	0.45
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)
	Capex	(61)	(56)	(129)	(108)	(97)	(98)	(138)	(263)	(229)	(179)
	Free cash flow	1,632	(110)	2,933	(327)	2,512	2,872	4,330	6,073	3,624	(1,463)
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
	Total debt	—	—	1,755	1,076	439	543	807	352	1,110	2,003
	Net debt	(4,141)	(3,422)	(3,406)	(2,251)	(4,459)	(4,084)	(3,529)	(11,679)	(6,309)	(6,071)
	Shareholders’ equity	1,378	2,374	2,196	2,418	2,589	3,197	4,688	7,666	6,670	6,208
Returns, %
Returns, %	ROA	2.40	2.72	(0.60)	2.85	2.45	2.00	1.72	3.96	4.79	0.47
	ROIC	0.00	0.00	0.00	285.28	0.00	0.00	27.25	0.00	585.02	1,192.52
	ROE	0.00	0.00	(7.60)	21.27	14.29	11.29	9.50	20.74	24.93	2.64

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ABCB Ameris Bancorp	$5.4B	14.4×	12.7×	+5.42% (above 0%: growing)	−51.88% (below 0%: shrinking)	+31.88% (above 0%: growing)	74.25%	0.00%	Compare
OZK Bank OZK	$5.0B	7.6×	8.3×	−3.82% (below 0%: shrinking)	−6.29% (below 0%: shrinking)	+47.62% (above 0%: growing)	63.91%	0.00%	Compare
AX AXOS FINANCIAL, INC	$5.0B	10.2×	9.1×	+15.98% (above 0%: growing)	+12.24% (above 0%: growing)	+22.36% (above 0%: growing)	67.69%	0.00%	Compare
GGAL Grupo Financiero Galicia S.A.	$4.8B	18.2×	—	−91.05% (below 0%: shrinking)	−75.31% (below 0%: shrinking)	−347.48% (below 0%: shrinking)	100.00%	0.00%
EBC Eastern Bankshares, Inc.	$4.8B	12.1×	11.3×	+26.48% (above 0%: growing)	−4.00% (below 0%: shrinking)	+25.53% (above 0%: growing)	75.96%	0.00%	Compare
FLG Flagstar Bank, National Association	$4.7B	369×	30.5×	−13.77% (below 0%: shrinking)	n/m	−42.53% (below 0%: shrinking)	49.05%	0.00%	Compare
TFSL TFS Financial Corporation	$4.6B	45.4×	49.0×	+5.82% (above 0%: growing)	+37.50% (above 0%: growing)	+16.04% (above 0%: growing)	42.51%	0.00%	Compare
FFIN First Financial Bankshares, Inc.	$4.5B	16.2×	15.9×	+7.84% (above 0%: growing)	+6.38% (above 0%: growing)	+25.95% (above 0%: growing)	77.89%	0.00%	Compare
SFBS ServisFirst Bancshares, Inc.	$4.3B	13.4×	12.3×	+6.36% (above 0%: growing)	+40.18% (above 0%: growing)	+141.10% (above 0%: growing)	64.14%	0.00%	Compare
Median of peers	$4.8B	13.9×	12.5×	+6.09%	+6.38%	+25.74%	65.91%	0.00%

All 323 Banks Regional stocks →

Grupo Financiero Galicia S.A. (GGAL) key facts

Concern: Grupo Financiero Galicia S.A.’s revenue for fiscal 2025 (year ended December 2025) was $10.6 billion, down 9.26% from fiscal 2024.
Grupo Financiero Galicia S.A. (GGAL) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, GGAL traded at $36.02, a market capitalization of $4.8 billion.
Return on equity was 2.64% and debt-to-equity 0.00.
Its Piotroski F-score is 3 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.