Grupo Financiero Galicia S.A.

Grupo Financiero Galicia S.A.

GGAL
Grupo Financiero Galicia S.A.US flagNASDAQ Capital Market
48.33
USD
-2.00
- -
7.76BMarket Cap
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
103.4
138.21
183.24
248.04
823.28
1,210.07
2,186.01
4,044.11
11,935.6
31,698.99
64,752.23
66,441.45
53,221.93
57,671.21
Basic EPS, GAAP
14.66
25.61
33.29
46.18
78.25
-50.76
340.72
500.53
1,276.26
2,228.72
6,535.48
14,232.85
1,324.83
724.87
Free Cash Flow per Basic Share
25.94
55.49
114.23
185.04
-140.95
1,262.47
-390.34
3,512.33
11,199.72
25,587.87
30,882.92
29,101.58
-11,540.82
- -
Dividend per Share
0.2
0.3
0.77
1.15
6.43
25.1
38.24
40.49
79.05
975.64
3,474.94
5,442.64
2,051.75
- -
Book Value per Share
25.11
35.59
43.27
21.15
-10.3
-188.1
-309.48
-776.93
-753.77
-2,649.28
-1,452.17
3,598.12
-8,614.49
- -
Tangible Book Value per Share
44.31
64.81
95.61
337.75
492.34
616.04
1,029.64
1,713.63
3,733.18
12,016.67
12,812.93
50,825.91
45,994.68
50,950.11
Basic Weighted Avg Shares
124
130
130
130
134
143
143
148
148
148
148
149
160
161
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
9,263,460
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
317,708
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
116,433
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
14.71
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
1.26
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
3,247,845
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
8,589,046
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
63.97
86
84.43
143.37
- -
- -
- -
- -
- -
- -
- -
136.42
17.22
37.42

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
2,724,298
2,877,898
3,247,845
LT Finance Leases
- -
44,197
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,606
1,606
1,606
Market Capitalization
6,101,905
12,574,938
10,377,332

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,694,159
9,367,223
6,648,382
Accounts Receivable, Net
- -
944,193
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
641,574
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
2,086,391
1,972,491
2,649,240
8,537,670
2026
2,555,338
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,617.88
3,879.35
1,496.58
4,196.03
14,232.85
2025
1,205.14
1,074.78
-546.05
-217.79
1,324.83
2026
413.93
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
286.85
5,442.64
2025
- -
- -
- -
- -
2,051.75
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Fabian Enrique Kon
Full Time Employees
9,183
Sector
Financial Services
Industry
Banks - Regional
Address
Teniente General Juan D. PerOn 430 Buenos Aires Argentina 1038
IPO Date
Jul 25, 2000
Website
gfgsa.com
Business
Grupo Financiero Galicia S.A. operates as a prominent financial services holding entity, delivering a diverse array of financial products and solutions to individuals and businesses throughout Argentina. The company structures its operations across distinct segments: Banking, Naranja X, Insurance, and other complementary ventures. Through its Banking segment, primarily Banco Galicia, the firm provides extensive services including savings, checking, and time deposit accounts; various loan types such as personal, express, mortgage, pledge, and credit card loans; and comprehensive online banking facilities. It additionally offers financing options, global custody, mutual funds managed by Galicia Asset Management, and specialized financial and capital market services for a broad client base, encompassing debt and short-term securities, bills, and financial trusts. Private banking services are also extended to high-net-worth individuals. The Naranja X segment focuses on consumer finance and innovative digital banking, featuring interest-bearing digital accounts in both pesos and dollars, virtual and physical credit and debit cards, instant personal loans, QR code payment solutions, and tools for buying and selling MEP dollars. This fintech arm also provides solutions for bill payments, mobile top-ups, and business collection services, including payment terminals. Galicia Seguros, the Insurance segment, offers a wide spectrum of protection, including coverage for robbery, personal accidents, life, home, cars, and comprehensive plans for small and medium-sized enterprises. Other businesses include investment advisory through Invuiu, a digital ecosystem for agriculture known as Nera, and venture capital initiatives. Serving an expansive target market that includes individuals across income brackets, small and medium-sized enterprises, and large corporations in Argentina, and extending to Uruguay, the group has significantly grown its customer base. A key strategic move in October 2023 involved the acquisition of HSBC Argentina's operations, expanding its active customer base across Banco Galicia and Naranja X to approximately 8.2 million. Founded in Buenos Aires, Argentina, in 1905, Grupo Financiero Galicia S.A. continues to evolve as a leading financial platform, strategically leveraging both traditional banking and digital innovation.

Company News

APIChat
  • Grupo Financiero Galicia SA (GGAL) Stock Up 4.9% but GF Value Says Overvalued -- GF Score: 76/100

  • Grupo Financiero Galicia Q1 Earnings Call Highlights

  • Grupo Financiero Galicia SA (GGAL) Shares Surge 3.7% -- What GF Score of 78 Tells Investors

  • Grupo Financiero Galicia S.A. (GGAL) Q1 2026 Earnings Call Transcript

  • Monthly-Paid Dividends, From 29 Ideal 'Safer' May Dogs

  • Grupo Financiero Galicia S.A. (NASDAQ:GGAL) Receives Consensus Recommendation of “Hold” from Brokerages

  • 11,507 Shares in Grupo Financiero Galicia S.A. $GGAL Acquired by Cantor Fitzgerald L. P.

  • Alphadyne Asset Management LP Buys Shares of 30,000 Grupo Financiero Galicia S.A. $GGAL

  • Grupo Financiero Galicia Q4 Earnings Call Highlights

  • Grupo Financiero Galicia S.A. (GGAL) Q4 2025 Earnings Call Transcript

  • Grupo Financiero Galicia S.A. $GGAL Shares Purchased by Banco Santander S.A.

  • New Strong Sell Stocks for February 10th

  • Matthews Emerging Markets Small Companies Fund's Strategic Moves: Spotlight on Lundin Mining Corp

  • Grupo Financiero Galicia S.A. (NASDAQ:GGAL) Given Consensus Recommendation of “Moderate Buy” by Brokerages

  • GAM Holding AG Acquires New Stake in Grupo Financiero Galicia S.A. $GGAL

  • Chesapeake Asset Management LLC Lowers Stake in Grupo Financiero Galicia S.A. $GGAL

  • Grupo Financiero Galicia (NASDAQ:GGAL) Shares Up 8.1% Following Dividend Announcement

  • Grupo Financiero Galicia: Not The Best Option For Betting On Argentine Growth

  • Grupo Financiero Galicia S.A. (GGAL) Q3 2025 Earnings Call Transcript

  • Grupo Financiero Galicia: Prepare For Volatility As Argentina Faces Political Turmoil