GGAL Grupo Financiero Galicia SA
$35.64
▼ 2.3%Updated Oct 16, 2:25 PM ET
Report Card
GGAL at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Weak · 18/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▲ Up 3.3% in the year to Jul 6, 2026
Key Metrics
Market Cap
$10.87B
P/E
115.85x
Forward P/E (est.)
165.5x
ROE
1.2%
Revenue Growth
—
EPS Growth
-95.3%
Profit Margin
—
FCF Yield
—
Debt / Equity
0.86x
ROIC
16.0%
Interest Coverage
0.48x
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
-16.3%
Rating Score
18/100
Business Overview
Grupo Financiero Galicia SA (GGAL) is a large-cap NASDAQ-listed company in the Banking industry, within the Financials sector, with a market value around $10.87B.
In its latest reported year it generated about $8.24B in revenue and $1.62B in net profit.
Our model rates GGAL Weak (18/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Economic Moat
Evidence of durable competitive advantage in the filed financials (8 years of history).
Profit margins and economic moats, explainedThe numbers don't show a durable competitive advantage — margins, growth, or returns on capital have been unstable or thin. Great returns are still possible; they just aren't protected.
12.9% average over the last 3 years
±9.0 pts around 18.1% across 8 years
grew in 6 of the last 7 year-over-year periods
positive in 6 of 8 years
16.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what GGAL's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. GGAL trades near $35.64, below its 50-day average ($47.12) and 200-day average ($46.62). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 43 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. GGAL's is $2.37 (~6.6% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, GGAL found buyers near $47.01 (support) and sellers near $58.14 (resistance); its 52-week range then was $25.89–$62.52. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.7× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
4Y CAGR
102.3%
Revenue moved from $84.14M in 2017 to $8.24B in 2024, a 92.5% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Profitability
Gross Margin
—
Operating Margin
18.1%
Net Margin
19.7%
ROE
1.2%
Grupo Financiero Galicia SA keeps about n/a of each sales dollar as net profit. Return on equity is 1.2% and return on invested capital about 16.0%. The company is currently unprofitable on a net basis.
Debt Analysis
Total Debt
$517.65M
Net Debt
-$6.24B
Net cash position
Net Debt / EBITDA
-4.18x
Debt / Equity
0.86x
Leverage: debt-to-equity is 0.9x, and operating profit covers interest about 0.5x. That is a moderate, manageable debt load for most businesses. It carries roughly $517.65M of total debt against $6.75B of cash.
Cash Flow Analysis
Operating CF
$3.50B
Free Cash Flow
$3.29B
FCF Margin
39.9%
In the latest year Grupo Financiero Galicia SA produced about $3.50B of operating cash flow and $3.29B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Total paid (latest FY)
$614.94M
History on record
8 years
dividend uses 19% of free cash flow
38% of net income paid out
total dividends increased 7 years in a row
no cuts in the last 8 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
115.85x
P/S
—
P/B
1.42x
EV / EBITDA
2.76x
GGAL trades at 115.8x trailing earnings (about 165.5x on estimated forward earnings), and 1.4x book value. Reverse-engineering today's price implies the market expects roughly -16.3% long-term free-cash-flow growth. That is a rich multiple that prices in a lot of future growth.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
$0.08
Current price
$35.64
Starting FCF (latest 10-K)
$3.29B
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where GGAL sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How GGAL stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, GGAL ranks #140 by our overall rating. It trades at a premium versus the sector on earnings (115.8x P/E vs. 14.9x median) with a lower return on equity (1.2% vs. 13.6%).
P/E vs sector
115.8x
median 14.9x
ROE vs sector
1.2%
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#140
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$555.90 – $921.20
vs. $35.64 today · implied CAGR 73% – 92%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $8.90B | $9.62B | $10.39B | $11.22B | $12.11B |
| Net income | $1.78B | $1.92B | $2.08B | $2.24B | $2.42B |
| EPS | $5.84 | $6.30 | $6.81 | $7.35 | $7.94 |
| Share price (low) | $408.60 | $441.29 | $476.59 | $514.72 | $555.90 |
| Share price (high) | $677.11 | $731.28 | $789.78 | $852.96 | $921.20 |
| CAGR (low–high) | 1046% / 1800% | 252% / 353% | 137% / 181% | 95% / 121% | 73% / 92% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions. Growth, margin or P/E data is missing for this stock, so some starting values above are placeholders rather than measurements.
Bull Case
The case for GGAL:
- None of our ratio checks flags a standout strength right now.
Bear Case
The case against GGAL:
- Interest coverage is thin (0.5x), so debt costs bite.
- A rich 115.8x earnings multiple prices in a lot of growth.
- Our model's overall read is Weak (18/100).
Key Risks
Valuation risk — at 115.8x earnings, disappointing results could compress the multiple.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the fundamentals screen weakly: Grupo Financiero Galicia SA is a large-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 115.8x earnings, which our model scores Weak (18/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Latest SEC Filings
GGAL's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
GGAL — frequently asked questions
Is GGAL a good stock to buy?
We don't give buy or sell advice. Our model rates Grupo Financiero Galicia SA Weak (18/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is GGAL's rating on The Stocks School?
Grupo Financiero Galicia SA currently scores 18/100 (Weak) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does GGAL's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Grupo Financiero Galicia SA's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for GGAL calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this GGAL analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell GGAL. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.