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Company Analysis

Grupo Financiero Galicia S.A. GGAL

A comprehensive view of key metrics, scores, and financial health for Grupo Financiero Galicia S.A.

Overview of Grupo Financiero Galicia S.A.

GGAL NCM
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
Grupo Financiero Galicia S.A. (GGAL), is a Mid Cap company, in the Banks - Regional industry, last closed at $50.94, about 108569.4% undervalued vs fair value, -2.1% 1Y return, placing in the top 25% of its sector.
Metrics P/E 0.0× Rev Growth -13.6% ROE 2.7% Div Yield 3877.65%
USD 50.94
1.98%
(Delayed)
• Vol 90d: 53.1%
52-Week Range
Market Cap
$8.49B
Enterprise Value
$-3.39T
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.gfgsa.com
HQ Buenos Aires
Employees 10,244
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$30695
$55356
$103680
Current: $50.94 +108569% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$9.7T
-11.6%%
Interest Expense
$3.9T
Net Interest Income
$5.8T
-15.5%%
Total Revenue
$8.5T
-13.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.7%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$809.9B
38.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Grupo Financiero Galicia S.A.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
31
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
14
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing GGAL's balance between Growth (14.3%), Profitability (46.1%), and Safety (39.7%). Growth 14% Safety 40% Profitability 46%

Click axes to expand details. Marker shows current allocation.

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Growth

24th percentile vs peers
25
Key Signals
Asset Growth YoY 6.8% 64p Equity Growth YoY -2.5% 10p NII Growth YoY -15.5% 5p EPS Growth YoY -90.7% 6p
Strengths
  • Net Interest Margin in top 20% of peers (15.8%, 97th percentile)
  • Efficiency Ratio in top 20% of peers (45.1%, 83th percentile)
  • ROTE in top 20% of peers (32.9%, 97th percentile)
  • ROA in top 20% of peers (5.9%, 96th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-2.5%)
  • NII Growth YoY in bottom 20% of peers (-15.5%)
  • EPS Growth YoY in bottom 20% of peers (-90.7%)

Profitability

80th percentile vs peers
81
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
69
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Grupo Financiero Galicia S.A..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$55356.20
- - -
+108569.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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