Eastern Bankshares, Inc. (EBC) vs Grupo Financiero Galicia S.A. (GGAL)

Eastern Bankshares, Inc. and Grupo Financiero Galicia S.A. are both Banks Regional companies. Eastern Bankshares, Inc. and Grupo Financiero Galicia S.A. are of similar size ($4.8B and $4.8B). Eastern Bankshares, Inc. trades at the lower P/E: 12.1× against 18.2×. Eastern Bankshares, Inc. grew revenue faster over the last twelve months: 56.0% against −65.4%. Eastern Bankshares, Inc. has the higher net margin (25.1% vs 7.53%) and the higher return on invested capital (5.72% vs −76.1%). Across the 18 metrics below, Eastern Bankshares, Inc. leads on 10 and Grupo Financiero Galicia S.A. on 8.

Valuation

Metric EBC GGAL Banks Regional median
P/E 12.11 18.19 11.98
P/S 3.11 1.44 2.34
P/B 1.09 0.95 1.19
Price to free cash flow 12.07 0.84 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.26% 5.50% 8.23%
Free cash flow yield 8.29% 119.61% 9.08%

Profitability

Metric EBC GGAL Banks Regional median
Gross margin 74.99% 84.41% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.12% 7.53% 18.66%
Free cash flow margin 25.74% 0.00% 21.11%
Return on equity 9.44% 0.00% 10.65%
Return on assets 1.33% 1.00% 1.13%
Return on invested capital 5.72% (76.07%) 8.35%

Growth

Metric EBC GGAL Banks Regional median
Revenue growth (TTM) 56.04% (65.36%) 6.98%
EPS growth (last fiscal year) (34.85%) (91.19%) 18.88%
Revenue growth, 5-year CAGR 12.33% 19.31% 12.38%
Net income growth, 5-year CAGR 31.15% (13.82%) 9.71%

Health

Metric EBC GGAL Banks Regional median
Debt to equity 0.09 0.00 0.22
Current ratio 0.90 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBC GGAL Banks Regional median
Dividend yield 2.63% — 2.57%
Payout ratio 0.32 — 0.30

Size

Metric EBC GGAL Banks Regional median
Market cap 4.83b 4.83b 913.33m

Compare with another peer

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