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GGALGrupo Financiero Galicia S.A.
$56.37$9.1B
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GGAL logoGrupo Financiero Galicia S.A.(GGAL)Earnings, Financials & Key Ratios

GGAL•NASDAQ•Banking & Credit
57.1× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
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$6504.95B+26.5%
  • Total Revenue$13550.16B+27.5%
  • Net Income$228.4B-85.9%
  • Return on Equity3.3%-91.8%
  • Net Interest Margin14.21%-10.2%
  • Efficiency Ratio38.82%-7.3%
  • ROA0.58%-92.3%
  • Equity / Assets16.97%-9.0%
  • Book Value per Share48353.69+27.1%

GGAL Key Insights

Grupo Financiero Galicia S.A. (GGAL) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 34.7%
  • ✓Strong 5Y profit CAGR of 101.7%
  • ✓Strong NIM of 14.2%
  • ✓Efficient operations: 38.8% efficiency ratio
  • ✓Momentum leader: RS Rating 83 (top 17%)
  • ✓Well capitalized: 17.0% equity/assets

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Dividend payout exceeds 100% of earnings

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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GGAL Price & Volume

Grupo Financiero Galicia S.A. (GGAL) stock price & volume — 10-year historical chart

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GGAL Growth Metrics

Grupo Financiero Galicia S.A. (GGAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years81.52%
5 Years73.35%
3 Years16.73%
TTM-

Profit CAGR

10 Years48.64%
5 Years25.28%
3 Years-11.49%
TTM-89.77%

EPS CAGR

10 Years45.52%
5 Years39.56%
3 Years11.5%
TTM-96.37%

Return on Capital

10 Years8.6%
5 Years10.57%
3 Years11.31%
Last Year2.29%

GGAL Recent Earnings

Grupo Financiero Galicia S.A. (GGAL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/12 qtrs (10%)●Beat Revenue 9/12 qtrs (90%)
Q2 2026Latest
May 13, 2026
Metric
Actual
Est
EPS
$0.29-19.4%
$0.36
Rev
$1.8B+3.7%
$1.8B
Q2 2026
Mar 30, 2026
Metric
Actual
Est
EPS
$0.07-47.4%
$0.05
Rev
$1.4B-9.4%
$1.6B
Q2 2026
Mar 4, 2026
Metric
Actual
Est
EPS
$0.36-620.0%
$0.05
Rev
$1.8B+13.5%
$1.6B
Q4 2025
Nov 25, 2025
Metric
Actual
Est
EPS
$0.08-89.9%
$0.79
Rev
$1.4B+1.6%
$1.4B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 13, 2026
$0.29vs $0.36-19.4%
$1.8Bvs $1.8B+3.7%
Q2 2026Mar 30, 2026
$0.07vs $0.05-47.4%
$1.4Bvs $1.6B-9.4%
Q2 2026Mar 4, 2026
$0.36vs $0.05-620.0%
$1.8Bvs $1.6B+13.5%
Q4 2025Nov 25, 2025
$0.08vs $0.79-89.9%
$1.4Bvs $1.4B+1.6%
Based on last 12 quarters of dataView full earnings history →

GGAL Peer Comparison

Grupo Financiero Galicia S.A. (GGAL) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BMA logoBMABanco Macro S.A.Direct Competitor6.5B101.6827.74-10.04%7.8%0.03%0.29
BBAR logoBBARBanco BBVA Argentina S.A.Direct Competitor4.47B21.9020.458.34%5.54%9.84%0.55
SUPV logoSUPVGrupo Supervielle S.A.Direct Competitor996.28M11.38-25.1113.71%0.13%0.19%1.04
BSAC logoBSACBanco Santander-ChileDirect Competitor15.38B32.640.03-4.96%26.96%21.52%2.77
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor85.86B7.7910.1518.03%11.66%20.64%4.71
BBD logoBBDBanco Bradesco S.A.Direct Competitor35.54B3.367.8637.11%6.78%13.25%4.46
BSBR logoBSBRBanco Santander (Brasil) S.A.Product Competitor38.95B5.2016.3317.45%8.04%10.21%1.03
GFI logoGFIGold Fields LimitedProduct Competitor34.55B38.6027.9715.57%23.24%40.64%0.55

Compare GGAL vs Peers

Grupo Financiero Galicia S.A. (GGAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BMA

Most directly comparable listed peer for GGAL.

Scale Benchmark

vs SAN

Larger-name benchmark to compare GGAL against a more recognizable public peer.

Peer Set

Compare Top 5

vs BMA, BBAR, SUPV, BSAC

GGAL Income Statement

Grupo Financiero Galicia S.A. (GGAL) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
45.96B69.87B70.8B224.39B659.66B1.03T3.75T5.14T6.5T
NII Growth %
275.65%52.04%1.33%216.93%193.98%55.61%265.79%37%26.45%
Net Interest Margin %
9.39%7.97%7.57%14.09%20.18%9.79%36.75%15.82%14.21%
Interest Income
84.14B163.93B268.18B492.14B1.76T4.86T10.35T8.24T11.03T
Interest Expense
38.18B94.05B197.38B267.75B1.1T3.84T6.6T3.1T4.52T
Loan Loss Provision
11.22B34.14B45.28B100.5B133.15B355.6B415.24B862.8B3.44T
Non-Interest Income
64B103.15B241.77B373.58B1.1T3.66T3.54T2.38T2.52T
Non-Interest Income %
43.2%38.62%47.41%43.15%38.55%42.94%25.49%22.42%18.63%
Total Revenue
148.13B▲ 0%
267.08B▲ 80.3%
509.95B▲ 90.9%
865.71B▲ 69.8%
2.86T▲ 230.9%
8.52T▲ 197.4%
13.89T▲ 63.1%
10.63T▼ 23.5%
13.55T▲ 27.5%
Revenue Growth %
200.71%80.3%90.94%69.76%230.88%197.43%63.09%-23.52%27.51%
Non-Interest Expense
75.78B131.82B184.77B361.34B1.34T3.88T5.7T4.45T5.26T
Efficiency Ratio
51.16%49.36%36.23%41.74%46.87%45.6%41.01%41.9%38.82%
Operating Income
22.95B▲ 0%
7.07B▼ 69.2%
82.51B▲ 1067.6%
136.13B▲ 65.0%
288.14B▲ 111.7%
444.45B▲ 54.2%
1.18T▲ 166.1%
2.21T▲ 87.0%
335.59B▼ 84.8%
Operating Margin %
15.49%2.65%16.18%15.72%10.06%5.22%8.51%20.81%2.48%
Operating Income Growth %
144.91%-69.21%1067.6%64.97%111.67%54.25%166.05%87%-84.82%
Pretax Income
22.95B▲ 0%
7.07B▼ 69.2%
82.51B▲ 1067.6%
136.13B▲ 65.0%
288.14B▲ 111.7%
444.45B▲ 54.2%
1.18T▲ 166.1%
2.21T▲ 87.0%
330.04B▼ 85.1%
Pretax Margin %
15.49%2.65%16.18%15.72%10.06%5.22%8.51%20.81%2.44%
Income Tax
11.75B14.54B33.57B61.11B99.52B115.07B448.25B586.61B107.09B
Effective Tax Rate %
51.22%205.79%40.68%44.9%34.54%25.89%37.91%26.53%32.45%
Net Income
10.45B▲ 0%
-7.26B▼ 169.5%
48.72B▲ 771.2%
74.01B▲ 51.9%
188.62B▲ 154.9%
329.38B▲ 74.6%
734.24B▲ 122.9%
1.62T▲ 121.3%
228.4B▼ 85.9%
Net Margin %
7.06%-2.72%9.55%8.55%6.58%3.87%5.28%15.29%1.69%
Net Income Growth %
73.66%-169.45%771.2%51.91%154.86%74.63%122.91%121.28%-85.94%
Net Income (Continuing)
11.2B-7.48B48.95B75.01B188.62B329.38B734.23B1.62T222.96B
EPS (Diluted)
133.30▲ 0%
-34.20▼ 125.7%
208.60▲ 709.9%
268.60▲ 28.8%
1279.00▲ 376.2%
1025.70▼ 19.8%
5405.60▲ 427.0%
11868.00▲ 119.6%
1422.00▼ 88.0%
EPS Growth %
187.91%-125.66%709.94%28.76%376.17%-19.8%427.02%119.55%-88.02%
EPS (Basic)
82.10-34.30208.60268.601279.001025.705405.6011868.001422.00
Diluted Shares Outstanding
133.73M143.18M143.18M143.18M147.99M147.99M147.99M159.41M160.63M

GGAL Balance Sheet

Grupo Financiero Galicia S.A. (GGAL) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
42.82B150.9B160.53B307.79B462.49B627.91B2T3.76T9.07T
Cash & Due from Banks
42.82B150.9B177.87B264.79B462.49B1.39T2T3.76T9.07T
Short Term Investments
00043B00000
Total Investments
57.38B146.45B0283.08B655.33B3.65T2.59T17.07T19.14T
Investments Growth %
46.4%155.23%-100%-131.5%457.34%-29.04%558.77%12.1%
Long-Term Investments
57.38B00240.08B655.33B3.65T2.59T17.07T19.14T
Accounts Receivables
335.34M8.29B20.76B36.72B60.02B174.08B389.7B474.65B944.19B
Goodwill & Intangibles
1.72B7.06B11.83B21.84B41.36B119.93B123.61B304.49B381.18B
Goodwill
000000000
Intangible Assets
1.72B7.06B11.83B21.84B41.36B119.93B123.61B304.49B381.18B
PP&E (Net)
18.21B29.79B44.88B66.01B121.15B360.68B355.26B995.52B1.1T
Other Assets
369.5B688.63B718.11B961.17B2.37T5.76T18.56T943.13B7.8T
Total Current Assets
42.82B150.9B160.53B307.79B462.49B627.91B2.03T12.79T17.36T
Total Non-Current Assets
446.82B725.47B774.82B1.29T3.18T9.91T21.63T19.72T28.42T
Total Assets
489.64B▲ 0%
876.37B▲ 79.0%
935.35B▲ 6.7%
1.59T▲ 70.3%
3.27T▲ 105.2%
10.49T▲ 220.9%
10.22T▼ 2.6%
32.52T▲ 218.3%
45.78T▲ 40.8%
Asset Growth %
102.12%78.98%6.73%70.29%105.21%220.87%-2.59%218.3%40.78%
Return on Assets (ROA)
2.86%-1.06%5.38%5.85%7.76%4.79%7.09%7.6%0.58%
Accounts Payable
2.11B0000139.86B144.45B235.52B0
Total Debt
70.22B120.98B96.94B85.89B160.31B491.26B465.73B2.16T3.65T
Net Debt
27.39B-29.92B-80.92B-178.9B-302.18B-902.43B-1.53T-203.15B-5.43T
Long-Term Debt
70.22B120.98B91.81B79.3B151.77B467.36B436.26B3.55T2.88T
Short-Term Debt
0000631.36M050.84B389.7B3.1T
Other Liabilities
344.74B645.06B658.56B1.21T2.3T7.13T7.5T22.45T5.35T
Total Current Liabilities
14.75B46.12B38.22B60.41B54.41B575B750.55B19.25T29.71T
Total Non-Current Liabilities
414.96B766.04B760.18B1.3T2.46T8.36T7.97T26T8.31T
Total Liabilities
422.16B781.23B774.21B1.32T2.68T8.59T8.2T26.45T38.01T
Total Equity
67.48B▲ 0%
95.14B▲ 41.0%
159.06B▲ 67.2%
275.22B▲ 73.0%
593.09B▲ 115.5%
1.9T▲ 219.7%
2.02T▲ 6.4%
6.06T▲ 200.5%
7.77T▲ 28.1%
Equity Growth %
209.32%41%67.18%73.03%115.5%219.66%6.44%200.49%28.09%
Equity / Assets (Capital Ratio)
13.78%10.86%17.01%17.28%18.14%18.08%19.75%18.65%16.97%
Return on Equity (ROE)
23.41%-8.93%38.33%34.08%43.45%26.47%37.52%40.21%3.3%
Book Value per Share
504.59664.511110.951922.224007.7112811.2213636.0838039.1048353.69
Tangible BV per Share
491.69615.221028.291769.693728.2412000.7912800.7736128.9945980.60
Common Stock
1.43B1.43B1.43B1.47B1.47B1.47B1.47B1.59B1.61B
Additional Paid-in Capital
10.95B10.95B10.95B17.28B17.28B17.28B17.28B697.39B3.12T
Retained Earnings
29.58B38.87B-45.68B-116.35B-112.87B-393.01B-216.09B3.76T169.94B
Accumulated OCI
22.57B41.25B127.8B270.36B469.85B1.55T718.73B1.62T4.47T
Treasury Stock
000000000
Preferred Stock
000000000

GGAL Cash Flow Statement

Grupo Financiero Galicia S.A. (GGAL) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
-43.48B23.89B168.39B66.18B-281.92B1.79T6.22T-2.7T326.77B
Operating CF Growth %
-273.84%154.94%604.83%-60.7%-525.97%736.45%246.52%-143.46%112.09%
Net Income
10.45B-5.33B29.77B136.13B288.14B204.1B732.22B747.07B228.4B
Depreciation & Amortization
2.21B3.46B6.89B24.36B87.94B86.81B84.43B188.07B0
Deferred Taxes
000000000
Other Non-Cash Items
25.92B39.9B95.33B-247.83B-733.13B1.48T6.64T4.83T4.9T
Working Capital Changes
-82.07B-14.13B36.39B153.52B75.12B23.13B-1.24T-8.47T-4.8T
Cash from Investing
-5.95B-5.52B-7.1B-19.94B-17.57B-137.68B-178.26B939.32B-586.26B
Purchase of Investments
000-102.29M0000-1.12T
Sale/Maturity of Investments
000000002.01T
Net Investment Activity
000-102.29M0000890.36B
Acquisitions
-2.25B00-300.76M-994.5M-2.42B-13.67B1.07T-400.75B
Other Investing
1.31B156.42M3.73B1.41B43.74B-77.55B-90.57B85.39B-789.37B
Cash from Financing
20.6B16.41B-243.21B-103.22B51.13B83.96B-500.34B413.52B873.8B
Dividends Paid
-859.18M-2.49B-3.62B-5.99B-3.75B-66.21B-179.28B-614.94B-383.46B
Share Repurchases
0000000-979.26M0
Stock Issued
11B0000000146.85B
Net Stock Activity
11B000000-979.26M146.85B
Debt Issuance (Net)
-1000K1000K-1000K-1000K1000K1000K-1000K1000K1000K
Other Financing
15.12B-1.1B-206.9B0-7.93B0-270.58B033.52B
Net Change in Cash
-17.97B▲ 0%
144.46B▲ 904.0%
-31.87B▼ 122.1%
184.68B▲ 679.6%
425.61B▲ 130.5%
237.43B▼ 44.2%
-1.88T▼ 892.7%
291.34B▲ 115.5%
788.58B▲ 170.7%
Exchange Rate Effect
10.97B69.16B84.99B49.52B86.48B559.89B2.25T1.34T810.15B
Cash at Beginning
220.96B202.99B347.46B929.14B3.47T3.89T4.13T7.12T9.48T
Cash at End
202.99B347.46B315.59B1.11T3.89T4.13T3.27T7.41T10.27T
Interest Paid
000000000
Income Taxes Paid
000000000
Free Cash Flow
-48.5B▲ 0%
18.22B▲ 137.6%
157.56B▲ 764.9%
519.33B▲ 229.6%
-302.46B▼ 158.2%
1.74T▲ 674.1%
1.59T▼ 8.3%
-2.92T▼ 283.1%
40.27B▲ 101.4%
FCF Growth %
-301.13%137.56%764.86%229.62%-158.24%674.15%-8.25%-283.07%101.38%

GGAL Banking Ratios

Grupo Financiero Galicia S.A. (GGAL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
32.18%23.41%-8.93%38.33%34.08%43.45%26.47%37.52%40.21%3.3%
Return on Assets (ROA)
2.98%2.86%-1.06%5.38%5.85%7.76%4.79%7.09%7.6%0.58%
Net Interest Margin
5.05%9.39%7.97%7.57%14.09%20.18%9.79%36.75%15.82%14.21%
Efficiency Ratio
40.2%51.16%49.36%36.23%41.74%46.87%45.6%41.01%41.9%38.82%
Equity / Assets
9.01%13.78%10.86%17.01%17.28%18.14%18.08%19.75%18.65%16.97%
Book Value / Share
167.19504.59664.511.11K1.92K4.01K12.81K13.64K38.04K48.35K
NII Growth
31.43%275.65%52.04%1.33%216.93%193.98%55.61%265.79%37%26.45%
Dividend Payout
2.49%8.22%-7.44%8.09%6.19%20.1%24.42%37.85%167.89%
Related:GGAL Dividend History·GGAL Revenue History·GGAL Price History·GGAL P/E History·GGAL Financial Ratios·GGAL Institutional Holders

GGAL Frequently Asked Questions

Grupo Financiero Galicia S.A. (GGAL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Grupo Financiero Galicia S.A. (GGAL) grew revenue by 27.5% over the past year. This is strong growth.

Yes, Grupo Financiero Galicia S.A. (GGAL) is profitable, generating $183.72B in net income for fiscal year 2025 (1.7% net margin).

Dividend & Returns

Yes, Grupo Financiero Galicia S.A. (GGAL) pays a dividend with a yield of 2.94%. This makes it attractive for income-focused investors.

Grupo Financiero Galicia S.A. (GGAL) has a return on equity (ROE) of 3.3%. This is below average, suggesting room for improvement.

Industry Metrics

Grupo Financiero Galicia S.A. (GGAL) has a net interest margin (NIM) of 14.2%. This indicates healthy earnings from lending activities.

Grupo Financiero Galicia S.A. (GGAL) has an efficiency ratio of 38.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in GGAL back in 2000?

Total return calculator · dividends reinvested · 26+ years of data

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How much would $100/month in GGAL be worth today?

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