AXOS FINANCIAL, INC (AX) vs Grupo Financiero Galicia S.A. (GGAL)

AXOS FINANCIAL, INC and Grupo Financiero Galicia S.A. are both Banks Regional companies. AXOS FINANCIAL, INC and Grupo Financiero Galicia S.A. are of similar size ($5.3B and $5.0B). AXOS FINANCIAL, INC trades at the lower P/E: 10.3× against 19.6×. AXOS FINANCIAL, INC grew revenue faster over the last twelve months: 12.5% against −65.4%. AXOS FINANCIAL, INC has the higher net margin (22.4% vs 7.53%) and the higher return on invested capital (14.0% vs −76.1%). Across the 19 metrics below, AXOS FINANCIAL, INC leads on 12 and Grupo Financiero Galicia S.A. on 7.

Valuation

Metric AX GGAL Banks Regional median
P/E 10.26 19.57 12.15
P/S 2.30 1.54 2.37
P/B 1.59 1.02 1.21
Price to free cash flow 17.29 0.90 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.21 0.81 2.27
Earnings yield 9.74% 5.11% 8.11%
Free cash flow yield 5.78% 111.21% 8.98%

Profitability

Metric AX GGAL Banks Regional median
Gross margin 67.59% 84.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.39% 7.53% 18.66%
Free cash flow margin 13.29% 0.00% 21.18%
Return on equity 16.77% 0.00% 10.64%
Return on assets 1.79% 0.85% 1.13%
Return on invested capital 13.97% (76.07%) 8.33%

Growth

Metric AX GGAL Banks Regional median
Revenue growth (TTM) 12.54% (65.36%) 6.61%
EPS growth (last fiscal year) 14.13% (91.19%) —
Revenue growth, 5-year CAGR 24.82% 19.31% 12.30%
Net income growth, 5-year CAGR 17.87% (13.82%) 9.71%

Health

Metric AX GGAL Banks Regional median
Debt to equity 0.35 0.00 0.22
Current ratio 1.08 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AX GGAL Banks Regional median
Dividend yield — 1.49% 3.75%
Payout ratio 0.00 0.11 0.27

Size

Metric AX GGAL Banks Regional median
Market cap 5.03b 5.25b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack