Pricing Log in Create free account

Grupo Financiero Galicia S.A. (GGAL) vs TFS Financial Corporation (TFSL)

Grupo Financiero Galicia S.A. and TFS Financial Corporation are both Banks Regional companies. Grupo Financiero Galicia S.A. and TFS Financial Corporation are of similar size ($4.8B and $4.6B). Grupo Financiero Galicia S.A. trades at the lower P/E: 18.2× against 45.4×. TFS Financial Corporation grew revenue faster over the last twelve months: 5.93% against −65.4%. TFS Financial Corporation has the higher net margin (12.2% vs 7.53%) and the higher return on invested capital (1.12% vs −76.1%). Across the 18 metrics below, Grupo Financiero Galicia S.A. leads on 10 and TFS Financial Corporation on 8.

Valuation

Metric GGAL TFSL Banks Regional median
P/E 18.19 45.44 11.98
P/S 1.44 5.52 2.34
P/B 0.95 2.33 1.19
Price to free cash flow 0.84 52.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.50% 2.20% 8.23%
Free cash flow yield 119.61% 1.89% 9.08%

Profitability

Metric GGAL TFSL Banks Regional median
Gross margin 84.41% 41.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.53% 12.17% 18.66%
Free cash flow margin 0.00% 10.45% 21.11%
Return on equity 0.00% 5.23% 10.65%
Return on assets 1.00% 0.57% 1.13%
Return on invested capital (76.07%) 1.12% 8.35%

Growth

Metric GGAL TFSL Banks Regional median
Revenue growth (TTM) (65.36%) 5.93% 6.98%
EPS growth (last fiscal year) (91.19%) 14.29% 18.88%
Revenue growth, 5-year CAGR 19.31% 9.26% 12.38%
Net income growth, 5-year CAGR (13.82%) 1.83% 9.71%

Health

Metric GGAL TFSL Banks Regional median
Debt to equity 0.00 2.97 0.22
Current ratio 1.08 1.67 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GGAL TFSL Banks Regional median
Dividend yield — 7.12% 2.57%
Payout ratio — 3.24 0.30

Size

Metric GGAL TFSL Banks Regional median
Market cap 4.83b 4.58b 913.33m

Compare with another peer

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