Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
GGAL Financial ServicesBeta data
Grupo Financiero Galicia S.A.
$31.48+0.00%
Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026
Basics
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- Argentina
- Market cap
- 5.3B USD
- Full-time employees
- 9,435
Growth
Is it growing?0/100
Weak
1/1 inputs reported · High confidence
Since last year: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ EPS growth
Behind the score
Earnings-per-share growth versus other banks and insurers.
Earnings per share growth-88.8%
Yahoo Finance · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentile100% base weight · Z-score -3.12Sector median: 0.1599 · MAD: 0.1775Other data (not scored)
3-year revenue growth22.1%
Yahoo Finance · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558Revenue growth-13.5%
Yahoo Finance · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782Profitability
Does it earn well?8/100
Weak
2/2 inputs reported · High confidence
Since last year: ▼ Weaker
- Free cash flow turned negative over the last 12 months
Why
Compare with peers Weaker than most peers on:
- ▼ ROE
- ▼ ROA
Behind the score
Return on equity and return on assets versus other banks and insurers.
Return on assets0.5%
SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -1.13Sector median: 0.0117 · MAD: 0.0062Return on equity1.1%
Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -2.49Sector median: 0.1074 · MAD: 0.0388Other data (not scored)
Gross marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: UnavailableOperating marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678Return on invested capitalUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: UnavailableRisk
Debt, liquidity, price swingsNot rated
Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.
Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about Grupo Financiero Galicia
- Is Grupo Financiero Galicia getting weaker?
- Its latest SEC filing (Apr 16, 2026) got weaker in some ways: free cash flow turned negative over the last 12 months.
- How is Grupo Financiero Galicia valued vs its peers?
- Insufficient data: 1 of 2 inputs reported (at least 2 needed).
- Is Grupo Financiero Galicia growing?
- More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -88.8% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -88.8% vs peers 16.0% (weaker than 100% of peers).
- How profitable is Grupo Financiero Galicia?
- Less profitable than most of its peers. Profitability scores 8/100 against 950 banks & insurance peers. Return on equity 1.1% vs a peer median of 10.7% (weaker than 93% of peers).Return on equity 1.1% vs peers 10.7% (weaker than 93% of peers).
- How risky is Grupo Financiero Galicia?
- Not rated for banks and insurers: debt and share-price swings say little about their risk.
Latest filing: what changed
Year ended Dec 31, 2025 · filed Apr 16, 2026 · compared with the year ended Mar 31, 2025Got weaker
- Free cash flow turned negative over the last 12 months
Worth watching: Grupo Financiero Galicia is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.
| Previous year | Latest year | Change | |
|---|---|---|---|
| Net income (12 months) | 1.54T ARS | 212.5B ARS | −86.2% |
| Free cash flow (12 months) | 740.4B ARS | −1.85T ARS | turned negative |
| Debt | 517.6B ARS | 881.7B ARS | +70.3% |
| Cash | 6.75T ARS | 10.27T ARS | +52.1% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.
Financials
Fiscal years from SEC annual filings · change vs the prior year · amounts in ARS, as reported| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Return on assets (ROA) | 5.8% | 3.1% | 4.3% | 4.9% | 0.5% | ▼ 4.5 pts |
| Return on equity (ROE) | 31.8% | 17.4% | 22.0% | 26.6% | 2.7% | ▼ 24 pts |
| Debt to equity | 0.08× | 0.06× | 0.07× | 0.07× | 0.11× | ▲ 56% |
| Interest coverage | 0.26× | 0.12× | 0.18× | 0.48× | 0.08× | ▼ 84% |
GGAL price history
Price history is added with the daily price update and will appear after the next one.