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    Banks - Regional
Grupo Financiero Galicia S.A.

Grupo Financiero Galicia S.A.

GGAL.BA
Grupo Financiero Galicia S.A.AR flagBuenos Aires Stock Exchange
7,400.00
ARS
-170.00
- -
11.89TMarket 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
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
5,767.12
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
72.49
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
2.51
3.56
4.33
2.12
-1.03
-18.81
-30.95
-77.69
-75.38
-264.93
-145.12
359.81
-861.45
- -
Tangible Book Value per Share
4.43
6.48
9.56
33.77
49.23
61.6
102.96
171.36
373.32
1,201.67
1,280.44
5,082.59
4,599.47
5,095.01
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
9,263,460
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
6,812,614
13,171,281
11,067,088

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
261.79
387.94
149.66
419.6
1,423.29
2025
120.51
107.48
-54.61
-21.78
132.48
2026
41.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
28.68
544.26
2025
- -
- -
- -
- -
205.17
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 26, 2000
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.