Grupo Financiero Galicia S.A. (GGAL) 10-Year Financial Performance & Capital Metrics

GGAL • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingLatin American Retail Banking

AboutGrupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Banks, NaranjaX, Insurance, and Other Businesses segments. The company's products and services cover savings, current, and checking accounts; personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services. It also offers financing products and services; consumer finance services; electronic check; global custody services; Fima funds; financial and stock market services to individuals, companies, and financial institutions; foreign trade services; and capital market and investment banking products that include debt securities, short-term securities, bills, and financial trusts. In addition, the company provides robbery, personal accident, life collective, home, life, integral pyme, pet, surety, various risks, and technical insurance products. Further, it offers private banking services to high net worth individuals; and operates digital investment platform. As of December 31, 2021, it had 312 full service banking branches; and 1,991 ATMs and self-service terminals. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.Show more

Net Interest Income $5144.15B +37.0%
Total Revenue $10626.57B -23.5%
Net Income $1624.74B +121.3%
Return on Equity 40.21% +7.2%
Net Interest Margin 15.82% -57.0%
Efficiency Ratio 41.9% +2.2%
ROA 7.6% +7.2%
Equity / Assets 18.65% -5.6%
Book Value per Share 40885.91 -70.1%
Tangible BV/Share 38832.85 -69.8%
Debt/Equity 0.36 +54.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 34.7%
✓Strong 5Y profit CAGR of 101.7%
✓Strong NIM of 15.8%
✓Efficient operations: 41.9% efficiency ratio
✓Well capitalized: 18.6% equity/assets
✓Trading at only 0.0x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Shares diluted 100.0% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y82.06%

5Y83.56%

3Y54.8%

TTM-

Profit (Net Income) CAGR

10Y85.67%

5Y101.66%

3Y104.99%

TTM-5.14%

EPS CAGR

10Y84.69%

5Y124.39%

3Y110.14%

TTM-78.23%

ROCE

10Y Avg8.96%

5Y Avg12.35%

3Y Avg12.81%

Latest19.45%

Peer Comparison

Latin American Retail Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FBPFirst BanCorp.	3.39B	21.44	11.85	6.16%	25.04%	16.62%	11.64%	0.34
OFGOFG Bancorp	1.84B	41.92	9.91	13%	24.09%	14.59%	11.44%	0.34
BSBRBanco Santander (Brasil) S.A.	46.17B	6.18	7.10	6.31%	10.36%	7.84%		1.13
BAPCredicorp Ltd.	25.3B	318.78	4.61	6.4%	20.38%	17.35%	53.01%	1.07
IFSIntercorp Financial Services Inc.	5.01B	45.00	3.95	0.75%	14.68%	16.41%		1.08
INTRInter & Co, Inc.	2.63B	8.15	3.94	27.12%	9.34%	12.37%	100%	1.31
BBDBanco Bradesco S.A.	18.54B	3.51	2.15	-2%	6.91%	12.1%		4.08
ITUBItaú Unibanco Holding S.A.	40.24B	7.44	1.97	6.27%	12.61%	19.74%		4.09

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	9.31B	12.23B	45.96B	69.87B	70.8B	224.39B	659.66B	1.03T	3.75T	5.14T
NII Growth %	0.2%	0.31%	2.76%	0.52%	0.01%	2.17%	1.94%	0.56%	2.66%	0.37%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	20.33B	29.17B	84.14B	163.93B	268.18B	492.14B	1.76T	4.86T	10.35T	8.24T
Interest Expense	11.02B	16.94B	38.18B	94.05B	197.38B	267.75B	1.1T	3.84T	6.6T	3.1T
Loan Loss Provision	2.34B	3.15B	11.22B	34.14B	45.28B	100.5B	133.15B	355.6B	415.24B	862.8B
Non-Interest Income+	14.57B	20.09B	64B	103.15B	241.77B	373.58B	1.1T	3.66T	3.54T	2.38T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	34.9B	49.26B	148.13B	267.08B	509.95B	865.71B	2.86T	8.52T	13.89T	10.63T
Revenue Growth %	0.31%	0.41%	2.01%	0.8%	0.91%	0.7%	2.31%	1.97%	0.63%	-0.24%
Non-Interest Expense	14.4B	19.8B	75.78B	131.82B	184.77B	361.34B	1.34T	3.88T	5.7T	4.45T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	7.14B	9.37B	22.95B	7.07B	82.51B	136.13B	288.14B	444.45B	1.18T	2.21T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.34%	0.31%	1.45%	-0.69%	10.68%	0.65%	1.12%	0.54%	1.66%	0.87%
Pretax Income+	7.14B	9.37B	22.95B	7.07B	82.51B	136.13B	288.14B	444.45B	1.18T	2.21T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.8B	3.35B	11.75B	14.54B	33.57B	61.11B	99.52B	115.07B	448.25B	586.61B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.34B	6.02B	10.45B	-7.26B	48.72B	74.01B	188.62B	329.38B	734.24B	1.62T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.3%	0.39%	0.74%	-1.69%	7.71%	0.52%	1.55%	0.75%	1.23%	1.21%
Net Income (Continuing)	4.34B	6.02B	11.2B	-7.48B	48.95B	75.01B	188.62B	329.38B	734.23B	1.62T
EPS (Diluted)+	33.40	46.30	133.30	-34.20	208.60	268.60	1279.00	1025.70	5405.60	11868.00
EPS Growth %	0.3%	0.39%	1.88%	-1.26%	7.1%	0.29%	3.76%	-0.2%	4.27%	1.2%
EPS (Basic)	33.40	46.30	82.10	-34.30	208.60	268.60	1279.00	1025.70	5405.60	11868.00
Diluted Shares Outstanding	13M	13M	78.39M	142.68M	142.68M	144.27M	147.47M	147.47M	14.75M	148.31M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	18.28B	17.27B	42.82B	150.9B	177.87B	264.79B	462.49B	1.39T	2T	3.76T
Short Term Investments	0	0	0	0	0	1000K	0	0	0	0
Total Investments+	15.58B	39.2B	57.38B	146.45B	0	283.08B	655.33B	3.65T	2.59T	17.07T
Investments Growth %	0.55%	1.52%	0.46%	1.55%	-1%	-	1.32%	4.57%	-0.29%	5.59%
Long-Term Investments	0	0	57.38B	0	0	240.08B	655.33B	3.65T	2.59T	17.07T
Accounts Receivables	1000K	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	15.32M	5.64M	0	0	0	0	0	0	0	0
Intangible Assets	0	0	1.72B	7.06B	11.83B	21.84B	41.36B	119.93B	123.61B	304.49B
PP&E (Net)	2.73B	3.82B	18.21B	29.79B	44.88B	66.01B	121.15B	360.68B	355.26B	995.52B
Other Assets	140.72B	221.15B	369.5B	688.63B	718.11B	961.17B	2.37T	5.76T	18.56T	943.13B
Total Current Assets	18.28B	17.27B	42.82B	150.9B	160.53B	307.79B	462.49B	627.91B	2.03T	12.79T
Total Non-Current Assets	143.47B	224.98B	446.82B	725.47B	774.82B	1.29T	3.18T	9.91T	21.63T	19.72T
Total Assets+	161.75B	242.25B	489.64B	876.37B	935.35B	1.59T	3.27T	10.49T	10.22T	32.52T
Asset Growth %	0.51%	0.5%	1.02%	0.79%	0.07%	0.7%	1.05%	2.21%	-0.03%	2.18%
Return on Assets (ROA)	0.03%	0.03%	0.03%	-0.01%	0.05%	0.06%	0.08%	0.05%	0.07%	0.08%
Accounts Payable	1.21B	1.45B	2.11B	0	0	0	0	139.86B	144.45B	235.52B
Total Debt+	12.3B	15.22B	70.22B	120.98B	96.94B	85.89B	160.31B	491.26B	465.73B	2.16T
Net Debt	-5.98B	-2.05B	27.39B	-29.92B	-80.92B	-178.9B	-302.18B	-902.43B	-1.53T	-203.15B
Long-Term Debt	12.3B	15.22B	70.22B	120.98B	91.81B	79.3B	151.77B	467.36B	436.26B	3.55T
Short-Term Debt	0	0	0	0	0	0	631.36M	0	50.84B	389.7B
Other Liabilities	132.34B	203.81B	344.74B	645.06B	658.56B	1.21T	2.3T	7.13T	7.5T	22.45T
Total Current Liabilities	17.29B	1.41B	14.75B	46.12B	38.22B	60.41B	54.41B	575B	750.55B	19.25T
Total Non-Current Liabilities	144.64B	219.03B	414.96B	766.04B	760.18B	1.3T	2.46T	8.36T	7.97T	26T
Total Liabilities	147.26B	220.44B	422.16B	781.23B	774.21B	1.32T	2.68T	8.59T	8.2T	26.45T
Total Equity+	15.59B	21.81B	67.48B	95.14B	159.06B	275.22B	593.09B	1.9T	2.02T	6.06T
Equity Growth %	0.41%	0.4%	2.09%	0.41%	0.67%	0.73%	1.15%	2.2%	0.06%	2%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.33%	0.32%	0.23%	-0.09%	0.38%	0.34%	0.43%	0.26%	0.38%	0.4%
Book Value per Share	1199.15	1677.73	860.81	666.84	1114.84	1907.60	4021.76	12856.12	136839.00	40885.91
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.3B	1.3B	1.43B	1.43B	1.43B	1.47B	1.47B	1.47B	1.47B	1.59B
Additional Paid-in Capital	219.6M	219.6M	10.95B	10.95B	10.95B	17.28B	17.28B	17.28B	17.28B	697.39B
Retained Earnings	4.34B	1.46B	29.58B	38.87B	-45.68B	-116.35B	-112.87B	-393.01B	-216.09B	3.76T
Accumulated OCI	278.13M	278.13M	22.57B	41.25B	127.8B	270.36B	469.85B	1.55T	718.73B	1.62T
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	15.62B	25.01B	-43.48B	23.89B	168.39B	66.18B	-281.92B	1.79T	6.22T	-2.7T
Operating CF Growth %	1.08%	0.6%	-2.74%	1.55%	6.05%	-0.61%	-5.26%	7.36%	2.47%	-1.43%
Net Income	4.34B	6.02B	10.45B	-5.33B	29.77B	136.13B	288.14B	204.1B	732.22B	747.07B
Depreciation & Amortization	231.72M	312.31M	2.21B	3.46B	6.89B	24.36B	87.94B	86.81B	84.43B	188.07B
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	11.05B	18.68B	25.92B	39.9B	95.33B	-247.83B	-733.13B	1.48T	6.64T	4.83T
Working Capital Changes	0	0	-82.07B	-14.13B	36.39B	153.52B	75.12B	23.13B	-1.24T	-8.47T
Cash from Investing+	-1.12B	-1.48B	-5.95B	-5.52B	-7.1B	-19.94B	-17.57B	-137.68B	-178.26B	939.32B
Purchase of Investments	0	0	0	0	0	-102.29M	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	-2.25B	0	0	-300.76M	-994.5M	-2.42B	-13.67B	1.07T
Other Investing	-382.55M	-578.6M	1.31B	156.42M	3.73B	1.41B	43.74B	-77.55B	-90.57B	85.39B
Cash from Financing+	-1.53B	2.66B	20.6B	16.41B	-243.21B	-103.22B	51.13B	83.96B	-500.34B	413.52B
Dividends Paid	-100M	-150M	-859.18M	-2.49B	-3.62B	-5.99B	-3.75B	-66.21B	-179.28B	-614.94B
Share Repurchases	0	0	0	0	0	0	0	0	0	-979.26M
Stock Issued	0	0	11B	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K
Other Financing	-36.8M	-42.61M	15.12B	-1.1B	-206.9B	0	-7.93B	0	-270.58B	0
Net Change in Cash+	19.92B	30.11B	-17.97B	144.46B	-31.87B	184.68B	425.61B	237.43B	-1.88T	291.34B
Exchange Rate Effect	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash at Beginning	23.05B	42.98B	220.96B	202.99B	347.46B	929.14B	3.47T	3.89T	4.13T	7.12T
Cash at End	42.98B	73.09B	202.99B	347.46B	315.59B	1.11T	3.89T	4.13T	3.27T	7.41T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	14.88B	24.11B	-48.5B	18.22B	157.56B	519.33B	-302.46B	1.74T	1.59T	-2.92T
FCF Growth %	1.06%	0.62%	-3.01%	1.38%	7.65%	2.3%	-1.58%	6.74%	-0.08%	-2.83%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	32.6%	32.18%	23.41%	-8.93%	38.33%	34.08%	43.45%	26.47%	37.52%	40.21%
Return on Assets (ROA)	3.22%	2.98%	2.86%	-1.06%	5.38%	5.85%	7.76%	4.79%	7.09%	7.6%
Net Interest Margin	5.75%	5.05%	9.39%	7.97%	7.57%	14.09%	20.18%	9.79%	36.75%	15.82%
Efficiency Ratio	41.25%	40.2%	51.16%	49.36%	36.23%	41.74%	46.87%	45.6%	41.01%	41.9%
Equity / Assets	9.64%	9.01%	13.78%	10.86%	17.01%	17.28%	18.14%	18.08%	19.75%	18.65%
Book Value / Share	1.2K	1.68K	860.81	666.84	1.11K	1.91K	4.02K	12.86K	136.84K	40.89K
NII Growth	20.06%	31.43%	275.65%	52.04%	1.33%	216.93%	193.98%	55.61%	265.79%	37%
Dividend Payout	2.31%	2.49%	8.22%	-	7.44%	8.09%	6.19%	20.1%	24.42%	37.85%

Frequently Asked Questions

Valuation & Price

Grupo Financiero Galicia S.A. (GGAL) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Grupo Financiero Galicia S.A. (GGAL) saw revenue decline by 23.5% over the past year.

Yes, Grupo Financiero Galicia S.A. (GGAL) is profitable, generating $915.98B in net income for fiscal year 2024 (15.3% net margin).

Dividend & Returns

Yes, Grupo Financiero Galicia S.A. (GGAL) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Grupo Financiero Galicia S.A. (GGAL) has a return on equity (ROE) of 40.2%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Grupo Financiero Galicia S.A. (GGAL) has a net interest margin (NIM) of 15.8%. This indicates healthy earnings from lending activities.

Grupo Financiero Galicia S.A. (GGAL) has an efficiency ratio of 41.9%. This is excellent, indicating strong cost control.

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