Symbols / GGAL $46.52 +0.69% Grupo Financiero Galicia S.A.

Financial Services • Banks - Regional • Argentina • NCM
GGAL Chart
About

Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; and credit and debit cards. The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, flexible loans, and overdrafts for individuals; and immediate loans, discount of electronic credit invoice and e-checks, pledge and mortgage loans, Sociedad de Garantía Recíproca loans, Socios de valor, productive line, leasing, and purchase of agricultural inputs for companies. In addition, the company offers life, home, personal accident, robbery, cars, and other insurance products; fixed term, traditional fixed term, and purchasing value unit investment products; custody of securities; purchase and sale of foreign currency; private banking; and fixed income products, stocks, CEDEARs, secured loans, mutual funds, stock promissory note, structured solutions, and primary issuances; foreign trade; and capital market and investment banking. Further, it provides online banking services. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Banks - Regional Market Cap 7.80B
Enterprise Value 1.74T Income 196.05B Sales 6.35T
Book/sh 3.48 Cash/sh 3115.14 Dividend Yield 3.43%
Payout 123.58% Employees 9985 IPO —
P/E 52.86 Forward P/E 6.13 PEG —
P/S 0.00 P/B 13.38 P/C —
EV/EBITDA — EV/Sales 0.27 Quick Ratio —
Current Ratio — Debt/Eq — LT Debt/Eq —
EPS (ttm) 0.88 EPS next Y 7.58 EPS Growth —
Revenue Growth -10.00% Earnings 2026-05-26 ROA 0.44%
ROE 2.49% ROIC — Gross Margin 0.00%
Oper. Margin -3.54% Profit Margin 3.09% Shs Outstand 132.50M
Shs Float 953.26M Short Float 20.66% Short Ratio 4.85
Short Interest — 52W High 66.24 52W Low 25.89
Beta 0.56 Avg Volume 1.27M Volume 150.11K
Target Price $68.07 Recom Buy Prev Close $46.20
Price $46.52 Change 0.69%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$68.07
Mean price target
2. Current target
$46.21
Latest analyst target
3. DCF / Fair value
$13.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$46.21
Low
$49.00
High
$103.00
Mean
$68.07

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-19 main JP Morgan Overweight → Overweight $72
2025-11-19 init UBS — → Neutral $60
2025-11-03 up Citigroup Neutral → Buy —
2025-10-28 up JP Morgan Neutral → Overweight $75
2025-10-22 down JP Morgan Overweight → Neutral $46
2025-09-11 down Citigroup Buy → Neutral —
2024-12-16 up Morgan Stanley Underweight → Overweight $92
2024-09-04 up Citigroup Neutral → Buy $54
2024-08-30 up JP Morgan Underweight → Overweight $54
2024-08-08 up B of A Securities Underperform → Buy $36
2022-01-31 down JP Morgan Neutral → Underweight $8
2020-11-23 up Credit Suisse Underperform → Neutral $9
2020-07-21 down HSBC Hold → Reduce —
2019-12-09 down Itau BBA Market Perform → Underperform —
2019-09-26 up Scotiabank Sector Underperform → Sector Perform —
2019-08-14 up JP Morgan Underweight → Neutral $20
2019-08-13 down Credit Suisse Outperform → Neutral $22
2019-08-07 init Scotiabank — → Sector Underperform $27
2019-07-02 up Credit Suisse Neutral → Outperform —
2019-04-29 down JP Morgan Neutral → Underweight $20
News
RSS: Latest GGAL news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
8,573,861.23
-12.98%
9,852,771.88
+35.04%
7,296,291.56
+55.74%
4,684,809.72
Operating Revenue
8,573,861.23
-12.98%
9,852,771.88
+35.04%
7,296,291.56
+55.74%
4,684,809.72
Selling General And Administration
2,126,876.36
+4.48%
2,035,617.86
+66.32%
1,223,941.29
+9.78%
1,114,897.97
Selling And Marketing Expense
61,850.75
+24.76%
49,574.93
+59.18%
31,143.63
+7.58%
28,949.70
General And Administrative Expense
2,065,025.61
+3.98%
1,986,042.93
+66.50%
1,192,797.66
+9.84%
1,085,948.27
Salaries And Wages
1,237,580.71
-9.66%
1,369,843.75
+77.16%
773,229.27
+16.19%
665,501.93
Other Gand A
716,601.03
+29.77%
552,223.75
+53.08%
360,732.27
+2.54%
351,807.18
Reconciled Depreciation
304,585.25
+23.11%
247,400.45
+34.80%
183,528.11
-2.92%
189,044.00
Total Unusual Items
—
—
—
—
Total Unusual Items Excluding Goodwill
—
—
—
—
Special Income Charges
—
—
—
—
Net Income
196,046.30
-90.65%
2,097,529.60
+185.67%
734,238.29
+122.91%
329,383.66
Pretax Income
288,049.36
-89.98%
2,875,396.58
+143.17%
1,182,478.51
+166.05%
444,453.28
Net Interest Income
5,583,398.68
-17.41%
6,760,322.43
+80.04%
3,754,857.70
+265.79%
1,026,510.97
Interest Expense
3,880,648.25
-4.89%
4,080,208.38
-38.16%
6,598,263.30
+72.05%
3,835,001.67
Interest Income
9,464,046.93
-12.70%
10,840,530.81
+4.71%
10,353,121.01
+112.96%
4,861,512.64
Other Non Operating Income Expenses
-1,515,899.10
+51.78%
-3,143,689.67
+4.93%
-3,306,755.07
-78.37%
-1,853,855.68
Gain On Sale Of Security
800,398.70
-42.79%
1,398,938.78
+103.29%
688,143.47
-70.04%
2,296,895.72
Tax Provision
91,914.87
-88.19%
778,045.84
+73.58%
448,245.70
+289.54%
115,069.56
Tax Rate For Calcs
0.00
+17.93%
0.00
-28.62%
0.00
+46.42%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
196,134.49
-90.65%
2,097,350.74
+185.65%
734,232.81
+122.91%
329,383.72
Net Income From Continuing Operation Net Minority Interest
196,046.30
-90.65%
2,097,529.60
+185.67%
734,238.29
+122.91%
329,383.66
Net Income From Continuing And Discontinued Operation
196,046.30
-90.65%
2,097,529.60
+185.67%
734,238.29
+122.91%
329,383.66
Net Income Continuous Operations
196,134.49
-90.65%
2,097,350.74
+185.65%
734,232.81
+122.91%
329,383.72
Minority Interests
-88.19
-149.31%
178.86
+3165.02%
5.48
+9080.33%
-0.06
Normalized Income
196,046.30
-90.65%
2,097,529.60
+185.67%
734,238.29
+122.91%
329,383.66
Net Income Common Stockholders
196,046.30
-90.65%
2,097,529.60
+185.67%
734,238.29
+122.91%
329,383.66
Diluted EPS
1,222.10
-89.70%
11,868.04
+158.23%
4,595.85
+106.21%
2,228.74
Basic EPS
1,222.10
-89.70%
11,868.04
+158.23%
4,595.85
+106.21%
2,228.74
Basic Average Shares
160.42
+7.93%
148.63
+0.50%
147.89
+0.07%
147.79
Diluted Average Shares
160.42
+7.93%
148.63
+0.50%
147.89
+0.07%
147.79
Diluted NI Availto Com Stockholders
196,046.30
-90.65%
2,097,529.60
+185.67%
734,238.29
+122.91%
329,383.66
Amortization
118,654.15
-3.92%
123,493.82
+39.96%
88,234.71
+2.46%
86,118.89
Amortization Of Intangibles Income Statement
118,654.15
-3.92%
123,493.82
+39.96%
88,234.71
+2.46%
86,118.89
Depreciation Amortization Depletion Income Statement
304,585.25
+23.11%
247,400.45
+34.80%
183,528.11
-2.92%
189,044.00
Depreciation And Amortization In Income Statement
304,585.25
+23.11%
247,400.45
+34.80%
183,528.11
-2.92%
189,044.00
Depreciation Income Statement
185,931.10
+50.06%
123,906.63
+30.03%
95,293.40
-7.41%
102,925.11
Insurance And Claims
101,549.72
+63.52%
62,101.17
+8.08%
57,459.06
-13.26%
66,239.37
Occupancy And Equipment
—
121,588.33
+32.14%
92,014.01
-2.73%
94,599.00
Other Non Interest Expense
1,391,941.76
+2.81%
1,353,914.62
+36.66%
990,731.22
+36.85%
723,970.66
Rent And Landing Fees
9,294.15
+395.89%
1,874.25
+36.11%
1,377.06
-42.62%
2,399.79
Rent Expense Supplemental
9,294.15
+395.89%
1,874.25
+36.11%
1,377.06
-42.62%
2,399.79
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
45,779,144.02
+6.78%
42,874,214.63
+46.19%
29,328,163.88
+179.63%
10,488,176.21
Cash And Cash Equivalents
9,367,222.73
+8.75%
8,613,572.38
+50.65%
5,717,518.50
+310.24%
1,393,686.85
Cash Equivalents
0.00
-100.00%
139.23
0.00
—
Cash Financial
2,244,551.01
-41.19%
3,816,895.35
+20.51%
3,167,402.58
+489.35%
537,435.98
Receivables
8,323,255.18
+3.31%
8,056,914.11
+137372.24%
5,860.76
-99.55%
1,310,596.61
Accounts Receivable
944,192.68
+51.22%
624,397.09
+60.22%
389,702.20
+123.86%
174,081.59
Other Receivables
383,589.83
-83.07%
2,265,507.94
+38555.55%
5,860.76
-96.45%
165,153.07
Prepaid Assets
53,165.08
-57.18%
124,172.76
+74.71%
71,074.57
+115.15%
33,035.63
Net PPE
1,195,523.95
-8.71%
1,309,595.29
+28.68%
1,017,694.41
+182.16%
360,675.41
Gross PPE
2,401,287.72
+36.12%
1,764,129.48
+19.45%
1,476,907.80
+121.35%
667,217.80
Accumulated Depreciation
-1,205,763.77
-56.88%
-768,608.66
-9.29%
-703,282.57
-129.42%
-306,542.38
Machinery Furniture Equipment
1,075,672.33
+46.29%
735,299.12
+22.11%
602,175.12
+126.07%
266,367.22
Construction In Progress
13,839.14
-59.60%
34,254.42
+65.50%
20,697.62
+639.21%
2,799.97
Other Properties
1,078,822.34
+27.26%
847,744.45
+16.31%
728,876.69
+120.75%
330,184.99
Leases
232,953.91
+58.65%
146,831.49
+17.32%
125,158.38
+84.42%
67,865.61
Goodwill And Other Intangible Assets
381,323.56
-4.80%
400,547.89
+13.11%
354,113.63
+195.26%
119,932.49
Other Intangible Assets
381,323.56
+25.24%
304,486.25
+13.11%
269,188.11
+124.45%
119,932.49
Investments And Advances
8,016,669.92
-4.64%
8,406,691.29
+7.90%
7,791,276.94
+113.32%
3,652,408.18
Long Term Equity Investment
12,814.80
+138.31%
5,377.40
-29.17%
7,592.35
+265.66%
2,076.37
Total Liabilities Net Minority Interest
38,012,312.77
+8.90%
34,907,279.00
+48.28%
23,541,735.67
+173.99%
8,592,294.34
Payables And Accrued Expenses
1,304,545.84
+254.51%
367,988.73
-52.84%
780,333.18
+35.71%
575,004.11
Payables
1,104,485.10
+200.14%
367,988.73
-52.84%
780,333.18
+50.43%
518,728.26
Accounts Payable
—
235,518.03
-25.13%
314,566.80
+124.91%
139,861.19
Other Payable
567,970.46
+263.01%
156,460.09
-37.49%
250,282.67
+33.46%
187,535.09
Dividends Payable
156,772.98
—
—
—
Current Accrued Expenses
200,060.74
-7.20%
215,579.70
+26.09%
170,967.90
+203.80%
56,275.85
Employee Benefits
1,548.10
+2.08%
1,516.56
+44.55%
1,049.18
-5.20%
1,106.67
Total Tax Payable
379,741.66
+79.52%
211,528.64
-72.89%
780,333.18
+307.84%
191,331.99
Income Tax Payable
379,741.66
+79.52%
211,528.64
-72.89%
780,333.18
+307.84%
191,331.99
Long Term Debt And Capital Lease Obligation
2,922,095.31
+25.44%
2,329,419.09
+86.31%
1,250,298.38
+154.51%
491,261.54
Long Term Debt
2,877,898.43
+27.41%
2,258,756.86
+80.66%
1,250,298.38
+167.52%
467,359.45
Long Term Capital Lease Obligation
44,196.89
-37.45%
70,662.23
+10.14%
64,154.94
+168.41%
23,902.09
Long Term Provisions
260,561.42
-60.68%
662,601.28
+484.41%
113,379.20
+255.03%
31,934.93
Non Current Pension And Other Postretirement Benefit Plans
1,548.10
+2.08%
1,516.56
+44.55%
1,049.18
-5.20%
1,106.67
Non Current Deferred Liabilities
31,927.63
-82.30%
180,430.51
+262.91%
49,717.02
+74.50%
28,490.84
Non Current Deferred Revenue
5,682.56
-27.29%
7,815.43
-0.93%
7,888.90
-8.96%
8,665.40
Non Current Deferred Taxes Liabilities
26,245.06
-85.45%
180,430.51
+262.91%
49,717.02
+150.77%
19,825.43
Stockholders Equity
7,766,542.60
-2.51%
7,966,727.52
+37.69%
5,786,174.03
+205.20%
1,895,881.81
Common Stock Equity
7,766,542.60
-2.51%
7,966,727.52
+37.69%
5,786,174.03
+205.20%
1,895,881.81
Capital Stock
1,606.25
+1.12%
1,588.51
+7.72%
1,474.69
+0.00%
1,474.69
Common Stock
1,606.25
+1.12%
1,588.51
+7.72%
1,474.69
+0.00%
1,474.69
Share Issued
1,606.25
+0.83%
1,593.11
+7.72%
1,478.89
+0.00%
1,478.89
Ordinary Shares Number
1,606.25
+0.83%
1,593.11
+7.72%
1,478.89
+0.00%
1,478.89
Additional Paid In Capital
797,658.49
+14.38%
697,387.57
+3935.53%
17,281.19
+0.00%
17,281.19
Retained Earnings
169,999.74
-91.92%
2,103,196.69
+117.07%
968,889.39
+346.53%
-393,013.30
Gains Losses Not Affecting Retained Earnings
4,469,363.74
+56.14%
2,862,399.10
+5.59%
2,710,974.16
+74.49%
1,553,619.29
Minority Interest
288.65
+38.70%
208.11
-18.13%
254.18
+430715.25%
0.06
Other Equity Adjustments
4,469,363.74
+56.14%
2,862,399.10
+5.59%
2,710,974.16
+74.49%
1,553,619.29
Total Equity Gross Minority Interest
7,766,831.25
-2.51%
7,966,935.62
+37.68%
5,786,428.21
+205.21%
1,895,881.87
Total Capitalization
10,644,441.03
+4.10%
10,225,484.38
+45.32%
7,036,472.41
+197.75%
2,363,241.26
Invested Capital
10,644,441.03
+4.10%
10,225,484.38
+45.32%
7,036,472.41
+197.75%
2,363,241.26
Total Debt
2,922,095.31
+25.44%
2,329,419.09
+86.31%
1,250,298.38
+154.51%
491,261.54
Capital Lease Obligations
44,196.89
-37.45%
70,662.23
+10.14%
64,154.94
+168.41%
23,902.09
Net Tangible Assets
7,385,219.04
-2.39%
7,566,179.63
+39.29%
5,432,060.40
+205.87%
1,775,949.33
Tangible Book Value
7,385,219.04
-2.39%
7,566,179.63
+39.29%
5,432,060.40
+205.87%
1,775,949.33
Available For Sale Securities
8,003,855.12
-4.73%
8,401,313.89
+7.93%
7,783,684.59
+113.23%
3,650,331.81
Cash Cash Equivalents And Federal Funds Sold
10,093,322.56
+17.18%
8,613,572.38
-5.03%
9,069,636.48
+417.25%
1,753,437.13
Derivative Product Liabilities
18,340.61
+81.72%
10,092.76
-71.21%
35,059.77
+564.56%
5,275.60
Notes Receivable
6,995,472.68
+35.39%
5,167,009.08
+237.11%
1,532,749.31
+57.79%
971,361.95
Other Equity Interest
2,327,914.38
+1.12%
2,302,155.64
+10.28%
2,087,554.60
+191.35%
716,519.94
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-982,907.71
-136.80%
2,670,798.93
-26.44%
3,630,774.91
-7.08%
3,907,303.79
Cash Flow From Continuing Operating Activities
-982,907.71
-136.80%
2,670,798.93
-26.44%
3,630,774.91
-7.08%
3,907,303.79
Net Income From Continuing Operations
288,049.36
-89.98%
2,875,396.58
+143.17%
1,182,478.51
+166.05%
444,453.28
Depreciation Amortization Depletion
304,585.25
+23.11%
247,400.45
+34.80%
183,528.11
-2.92%
189,044.00
Depreciation
185,931.10
+50.06%
123,906.63
+30.03%
95,293.40
-7.41%
102,925.11
Amortization Cash Flow
118,654.15
-3.92%
123,493.82
+39.96%
88,234.71
+2.46%
86,118.89
Depreciation And Amortization
304,585.25
+23.11%
247,400.45
+34.80%
183,528.11
-2.92%
189,044.00
Amortization Of Intangibles
118,654.15
-3.92%
123,493.82
+39.96%
88,234.71
+2.46%
86,118.89
Other Non Cash Items
1,512,887.32
-51.01%
3,088,459.77
-56.46%
7,092,727.04
+65.21%
4,293,194.43
Operating Gains Losses
-250,587.36
-24.01%
-202,066.74
+91.03%
-2,251,747.19
-84.68%
-1,219,237.62
Net Foreign Currency Exchange Gain Loss
-250,596.95
-23.03%
-203,693.16
+90.95%
-2,251,747.19
-84.68%
-1,219,237.62
Change In Working Capital
-5,383,909.56
-66.36%
-3,236,265.66
-19.60%
-2,705,860.54
-5472.95%
50,360.76
Change In Other Working Capital
6,856,430.06
-52.79%
14,523,106.28
+464.27%
-3,986,903.51
-294.24%
-1,011,288.24
Change In Other Current Assets
537,137.54
+160.98%
-880,800.51
-1079.98%
-74,645.61
-216.53%
-23,582.82
Change In Other Current Liabilities
-871,448.54
-6.24%
-820,229.95
-598.17%
164,648.07
+618.59%
22,912.74
Investing Cash Flow
-586,262.59
-151.51%
1,138,155.28
+738.49%
-178,257.95
-40.57%
-126,808.93
Cash Flow From Continuing Investing Activities
-586,262.59
-151.51%
1,138,155.28
+738.49%
-178,257.95
-40.57%
-126,808.93
Net PPE Purchase And Sale
-223,125.42
+18.44%
-273,558.03
-81.53%
-150,699.07
-23.99%
-121,537.14
Purchase Of PPE
-245,914.78
+13.86%
-285,479.65
-77.11%
-161,185.47
-28.27%
-125,659.43
Sale Of PPE
22,789.36
+91.16%
11,921.61
+13.69%
10,486.40
+154.38%
4,122.28
Capital Expenditure
-245,914.78
+13.86%
-285,479.65
-77.11%
-161,185.47
-28.27%
-125,659.43
Net Business Purchase And Sale
-366,765.57
-126.09%
1,405,772.23
+4822.21%
-29,769.34
-464.69%
-5,271.78
Purchase Of Business
-366,765.57
-8396.17%
-4,316.83
+85.50%
-29,769.34
-464.69%
-5,271.78
Financing Cash Flow
873,797.98
+60.63%
543,986.70
+208.72%
-500,342.69
-373.66%
182,833.48
Cash Flow From Continuing Financing Activities
873,797.98
+60.63%
543,986.70
+208.72%
-500,342.69
-373.66%
182,833.48
Net Issuance Payments Of Debt
1,076,884.80
-20.48%
1,354,225.45
+1331.73%
-109,944.90
-133.62%
327,023.35
Issuance Of Debt
4,061,878.94
+47.29%
2,757,804.26
+182.18%
977,324.27
+1.16%
966,107.28
Repayment Of Debt
-2,984,994.14
-112.67%
-1,403,578.81
-29.09%
-1,087,269.17
-70.13%
-639,083.93
Long Term Debt Issuance
4,061,878.94
+47.29%
2,757,804.26
+182.18%
977,324.27
+1.16%
966,107.28
Long Term Debt Payments
-2,984,994.14
-112.67%
-1,403,578.81
-29.09%
-1,087,269.17
-70.13%
-639,083.93
Net Long Term Debt Issuance
1,076,884.80
-20.48%
1,354,225.45
+1331.73%
-109,944.90
-133.62%
327,023.35
Net Common Stock Issuance
126,047.40
0.00
—
—
Common Stock Dividend Paid
-329,134.22
+59.31%
-808,950.55
-107.21%
-390,397.79
-170.75%
-144,189.86
Cash Dividends Paid
-329,134.22
+59.31%
-808,950.55
-107.21%
-390,397.79
-170.75%
-144,189.86
Net Other Financing Charges
—
-1,288.20
—
—
Changes In Cash
-695,372.32
-115.97%
4,352,940.92
+47.45%
2,952,174.27
-25.51%
3,963,328.34
Effect Of Exchange Rate Changes
3,779,294.80
+140.81%
1,569,409.95
-30.30%
2,251,747.19
+84.68%
1,219,237.62
Beginning Cash Position
9,483,866.61
+1.34%
9,358,356.13
+4.02%
8,997,035.84
+6.10%
8,480,010.37
End Cash Position
10,272,443.26
+8.31%
9,483,866.61
+33.29%
7,115,077.08
-20.92%
8,997,035.84
Free Cash Flow
-1,228,822.49
-151.52%
2,385,319.28
-31.25%
3,469,589.44
-8.25%
3,781,644.36
Common Stock Issuance
126,047.40
0.00
—
—
Dividends Received CFI
3,628.40
-38.93%
5,941.08
+168.77%
2,210.47
0.00
Interest Paid CFO
-47,391.75
—
—
—
Issuance Of Capital Stock
126,047.40
0.00
—
—
Other Cash Adjustment Outside Changein Cash
-2,295,345.84
+60.40%
-5,796,840.38
+18.19%
-7,085,880.23
-51.88%
-4,665,540.50
Sale Of Business
0.00
-100.00%
1,410,089.06
0.00
0.00
Taxes Refund Paid
-357,805.04
+70.71%
-1,221,516.72
-327.72%
-285,588.83
-38.56%
-206,106.97
SEC Filings

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