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    Regional banks
Grupo Financiero Galicia SA Class B

Grupo Financiero Galicia SA Class B

5,925.00
ARS
-105.00
(-1.74%)
125.86EPS
62.07P/E
12.54TMarket Cap
Nov 03Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.34
13.82
18.32
24.8
82.33
121.01
218.6
404.41
1,193.56
3,169.9
6,470.92
6,644.14
5,322.19
6,190.71
Basic EPS, GAAP
1.47
2.56
3.33
4.62
7.83
-5.08
34.07
50.05
127.63
222.87
653.11
1,423.29
132.48
125.83
Free Cash Flow per Basic Share
2.59
5.55
11.42
18.5
-14.1
126.25
-39.03
351.23
1,119.97
2,558.79
3,086.24
2,910.16
-1,154.08
- -
Dividend per Share
0.02
0.03
0.08
0.12
0.64
2.51
3.82
4.05
7.9
97.56
347.26
544.26
205.17
- -
Book Value per Share
5.58
7.86
11.11
32.94
45.1
64.64
108.42
186.1
401.03
1,281.96
1,363.97
4,993.19
4,830.7
5,726.38
Tangible Book Value per Share
4.43
6.48
9.56
31.67
43.89
59.71
100.15
171.33
373.07
1,200.87
1,280.38
4,741.76
4,593.3
5,460.81
Basic Weighted Avg Shares
1,244
1,303
1,303
1,303
1,336
1,430
1,430
1,479
1,478
1,478
1,479
1,486
1,604
1,606
Sales/Revenue/Turnover
12,865
18,010
23,879
32,322
109,951
173,025
312,571
597,964
1,763,969
4,684,810
9,569,765
9,875,328
8,537,670
9,943,846
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
153
173
219
301
2,214
3,460
10,407
24,358
87,942
189,044
241,429
247,400
304,585
343,636
Net Income, GAAP
1,824
3,338
4,338
6,018
10,451
-7,258
48,718
74,009
188,619
329,384
965,881
2,115,458
212,524
202,118
Effective Tax Rate (%)
40.32
37.38
39.24
35.78
51.22
205.79
40.68
44.9
34.54
25.89
37.91
26.73
30.03
22.97
Profit Margin (%)
14.18
18.53
18.17
18.62
9.5
-4.2
15.59
12.38
10.69
7.03
10.09
21.42
2.49
2.03
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
9,550
11,736
15,196
42,033
39,003
91,021
96,945
85,890
160,310
491,262
465,725
2,329,419
2,922,095
3,014,023
Total Equity
6,947
10,246
14,485
45,673
67,478
95,142
159,060
275,218
593,085
1,895,882
2,017,244
7,954,906
7,759,624
9,198,016
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.39
16.15
16.79
10.25
10
-4.44
21.93
23.66
33.85
20.98
39.67
33.14
2.03
1.89
Return on Common Equity (%)
30.86
38.83
35.08
20.95
19.45
-9.25
39.35
34.4
43.45
26.47
49.37
42.43
2.7
2.51

Capital Structure

ARS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
2,877,898
3,247,845
3,014,023
LT Finance Leases
44,197
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,606
1,606
1,606
Market Capitalization
13,171,281
11,067,088
12,544,842

Working Capital

ARS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
9,367,223
6,648,382
6,240,921
Accounts Receivable, Net
944,193
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
641,574
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ARS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
107.77%
126.69%
-2.45%
Free Cash Flow
-211.66%
43.97%
-142.8%
Net Income, GAAP
-32.46%
90.36%
-89.95%
Sales/Revenue/Turnover
95.94%
90.9%
-13.55%
Total Cash Common Dividend
238.61%
296.75%
-59.31%

Quarterly Revenue

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,899,600
2,500,001
1,832,206
1,909,469
9,875,328
2025
2,477,955
2,794,438
1,972,491
2,649,240
8,537,670
2026
2,555,338
2,766,777
- -
- -
- -

Quarterly Earnings Per Share

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
261.22
387.94
149.66
419.6
1,423.29
2025
120.51
143.54
-54.61
-21.78
132.48
2026
41.39
160.82
- -
- -
- -

Quarterly Dividends Per Share

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
28.68
544.26
2025
- -
- -
- -
- -
205.17
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Fabián Enrique Kon
Full Time Employees
10,079
Sector
Finance
Industry
Regional banks
Address
Teniente General Juan D. PerOn 430 Buenos Aires BA Argentina C1038 AAJ
IPO Date
Apr 23, 2004
Website
gfgsa.com
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Business
Grupo Financiero Galicia S.A. operates as a comprehensive financial services holding entity, delivering a broad spectrum of financial offerings and solutions to individuals and corporate clients across Argentina, with a presence also in Uruguay. This organization conducts its business through distinct operating divisions, encompassing its core banking activities, the NaranjaX digital ecosystem, insurance operations, and other ventures. The company extends various banking products, including savings, checking, and term deposit accounts, alongside a suite of lending options such as personal, express, and mortgage loans, as well as financing secured by pledges and credit cards. It also facilitates credit and debit card services and provides extensive online banking capabilities. In the realm of investment and capital markets, Grupo Financiero Galicia offers financing instruments, mutual funds, asset management guidance, global custody provisions, and investment banking solutions spanning debt and short-term securities, and financial trusts. Furthermore, its insurance segment provides a variety of coverage plans, including policies for theft, personal accidents, life, home, and comprehensive protection for small and medium-sized enterprises (SMEs), along with surety and technical insurance. Catering to affluent individuals, the group also delivers specialized private banking services and manages a robust digital investment platform. A notable recent expansion for the company includes the acquisition of HSBC Argentina's operations in late 2024, significantly broadening its client base. Grupo Financiero Galicia S.A. was established in 1905 and maintains its principal offices in Buenos Aires, Argentina.