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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 $33.84, about 13.9% undervalued vs fair value, -42.8% 1Y return, placing in the top 25% of its sector.
Metrics P/E 59.1× Rev Growth -13.6% ROE 2.7% Div Yield 2.51%
USD 33.84
-3.70%
(Delayed)
• Vol 90d: 44.0%
Market Cap
$5.87B
Enterprise Value
$3.77B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 88%
Confidence: 92%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Nov 24

Fair Value Snapshot

Bear Base Bull
$21
$39
$72
Current: $33.84 +14% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
ARS 9.7T
-11.6%%
Interest Expense
ARS 3.9T
Net Interest Income
ARS 5.8T
-15.5%%
Total Revenue
ARS 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

ARS 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
28
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.16).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.22).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
11
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (16.9%), Profitability (35.5%), and Safety (47.6%). Growth 17% Safety 48% Profitability 36%

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% 9p NII Growth YoY -15.5% 5p EPS Growth YoY -90.7% 6p
Strengths
  • Net Interest Margin in top 20% of peers (12.7%, 97th percentile)
  • Efficiency Ratio in top 20% of peers (45.1%, 84th percentile)
  • Equity/Assets in top 20% of peers (17.0%, 89th percentile)
  • Financial Leverage in top 20% of peers (5.63, 90th 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

52th percentile vs peers
52
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
70
Key Signals
Strengths
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Two Futures

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

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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
$38.53
- - -
+13.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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