Grupo Financiero Galicia S.A. (GGAL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Grupo Financiero Galicia S.A. (GGAL) stock price & volume — 10-year historical chart
Grupo Financiero Galicia S.A. (GGAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Grupo Financiero Galicia S.A. (GGAL) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.29vs $0.36-19.4% | $1.8Bvs $1.8B+3.7% |
| Q2 2026 | Mar 30, 2026 | $0.07vs $0.05-47.4% | $1.4Bvs $1.6B-9.4% |
| Q2 2026 | Mar 4, 2026 | $0.36vs $0.05-620.0% | $1.8Bvs $1.6B+13.5% |
| Q4 2025 | Nov 25, 2025 | $0.08vs $0.79-89.9% | $1.4Bvs $1.4B+1.6% |
Grupo Financiero Galicia S.A. (GGAL) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
Grupo Financiero Galicia S.A. (GGAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Grupo Financiero Galicia S.A. (GGAL) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 45.96B | 69.87B | 70.8B | 224.39B | 659.66B | 1.03T | 3.75T | 5.14T | 6.5T |
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 | 84.14B | 163.93B | 268.18B | 492.14B | 1.76T | 4.86T | 10.35T | 8.24T | 11.03T |
Interest Expense | 38.18B | 94.05B | 197.38B | 267.75B | 1.1T | 3.84T | 6.6T | 3.1T | 4.52T |
Loan Loss Provision | 11.22B | 34.14B | 45.28B | 100.5B | 133.15B | 355.6B | 415.24B | 862.8B | 3.44T |
Non-Interest Income | 64B | 103.15B | 241.77B | 373.58B | 1.1T | 3.66T | 3.54T | 2.38T | 2.52T |
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 | 75.78B | 131.82B | 184.77B | 361.34B | 1.34T | 3.88T | 5.7T | 4.45T | 5.26T |
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 | 11.75B | 14.54B | 33.57B | 61.11B | 99.52B | 115.07B | 448.25B | 586.61B | 107.09B |
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 | -7.48B | 48.95B | 75.01B | 188.62B | 329.38B | 734.23B | 1.62T | 222.96B |
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 | -34.30 | 208.60 | 268.60 | 1279.00 | 1025.70 | 5405.60 | 11868.00 | 1422.00 |
Diluted Shares Outstanding | 133.73M | 143.18M | 143.18M | 143.18M | 147.99M | 147.99M | 147.99M | 159.41M | 160.63M |
Grupo Financiero Galicia S.A. (GGAL) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 42.82B | 150.9B | 160.53B | 307.79B | 462.49B | 627.91B | 2T | 3.76T | 9.07T |
Cash & Due from Banks | 42.82B | 150.9B | 177.87B | 264.79B | 462.49B | 1.39T | 2T | 3.76T | 9.07T |
Short Term Investments | 0 | 0 | 0 | 43B | 0 | 0 | 0 | 0 | 0 |
Total Investments | 57.38B | 146.45B | 0 | 283.08B | 655.33B | 3.65T | 2.59T | 17.07T | 19.14T |
Investments Growth % | 46.4% | 155.23% | -100% | - | 131.5% | 457.34% | -29.04% | 558.77% | 12.1% |
Long-Term Investments | 57.38B | 0 | 0 | 240.08B | 655.33B | 3.65T | 2.59T | 17.07T | 19.14T |
Accounts Receivables | 335.34M | 8.29B | 20.76B | 36.72B | 60.02B | 174.08B | 389.7B | 474.65B | 944.19B |
Goodwill & Intangibles | 1.72B | 7.06B | 11.83B | 21.84B | 41.36B | 119.93B | 123.61B | 304.49B | 381.18B |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 1.72B | 7.06B | 11.83B | 21.84B | 41.36B | 119.93B | 123.61B | 304.49B | 381.18B |
PP&E (Net) | 18.21B | 29.79B | 44.88B | 66.01B | 121.15B | 360.68B | 355.26B | 995.52B | 1.1T |
Other Assets | 369.5B | 688.63B | 718.11B | 961.17B | 2.37T | 5.76T | 18.56T | 943.13B | 7.8T |
Total Current Assets | 42.82B | 150.9B | 160.53B | 307.79B | 462.49B | 627.91B | 2.03T | 12.79T | 17.36T |
Total Non-Current Assets | 446.82B | 725.47B | 774.82B | 1.29T | 3.18T | 9.91T | 21.63T | 19.72T | 28.42T |
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 | 2.11B | 0 | 0 | 0 | 0 | 139.86B | 144.45B | 235.52B | 0 |
Total Debt | 70.22B | 120.98B | 96.94B | 85.89B | 160.31B | 491.26B | 465.73B | 2.16T | 3.65T |
Net Debt | 27.39B | -29.92B | -80.92B | -178.9B | -302.18B | -902.43B | -1.53T | -203.15B | -5.43T |
Long-Term Debt | 70.22B | 120.98B | 91.81B | 79.3B | 151.77B | 467.36B | 436.26B | 3.55T | 2.88T |
Short-Term Debt | 0 | 0 | 0 | 0 | 631.36M | 0 | 50.84B | 389.7B | 3.1T |
Other Liabilities | 344.74B | 645.06B | 658.56B | 1.21T | 2.3T | 7.13T | 7.5T | 22.45T | 5.35T |
Total Current Liabilities | 14.75B | 46.12B | 38.22B | 60.41B | 54.41B | 575B | 750.55B | 19.25T | 29.71T |
Total Non-Current Liabilities | 414.96B | 766.04B | 760.18B | 1.3T | 2.46T | 8.36T | 7.97T | 26T | 8.31T |
Total Liabilities | 422.16B | 781.23B | 774.21B | 1.32T | 2.68T | 8.59T | 8.2T | 26.45T | 38.01T |
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 | 504.59 | 664.51 | 1110.95 | 1922.22 | 4007.71 | 12811.22 | 13636.08 | 38039.10 | 48353.69 |
Tangible BV per Share | 491.69 | 615.22 | 1028.29 | 1769.69 | 3728.24 | 12000.79 | 12800.77 | 36128.99 | 45980.60 |
Common Stock | 1.43B | 1.43B | 1.43B | 1.47B | 1.47B | 1.47B | 1.47B | 1.59B | 1.61B |
Additional Paid-in Capital | 10.95B | 10.95B | 10.95B | 17.28B | 17.28B | 17.28B | 17.28B | 697.39B | 3.12T |
Retained Earnings | 29.58B | 38.87B | -45.68B | -116.35B | -112.87B | -393.01B | -216.09B | 3.76T | 169.94B |
Accumulated OCI | 22.57B | 41.25B | 127.8B | 270.36B | 469.85B | 1.55T | 718.73B | 1.62T | 4.47T |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Grupo Financiero Galicia S.A. (GGAL) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -43.48B | 23.89B | 168.39B | 66.18B | -281.92B | 1.79T | 6.22T | -2.7T | 326.77B |
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 | -5.33B | 29.77B | 136.13B | 288.14B | 204.1B | 732.22B | 747.07B | 228.4B |
Depreciation & Amortization | 2.21B | 3.46B | 6.89B | 24.36B | 87.94B | 86.81B | 84.43B | 188.07B | 0 |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 25.92B | 39.9B | 95.33B | -247.83B | -733.13B | 1.48T | 6.64T | 4.83T | 4.9T |
Working Capital Changes | -82.07B | -14.13B | 36.39B | 153.52B | 75.12B | 23.13B | -1.24T | -8.47T | -4.8T |
Cash from Investing | -5.95B | -5.52B | -7.1B | -19.94B | -17.57B | -137.68B | -178.26B | 939.32B | -586.26B |
Purchase of Investments | 0 | 0 | 0 | -102.29M | 0 | 0 | 0 | 0 | -1.12T |
Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.01T |
Net Investment Activity | 0 | 0 | 0 | -102.29M | 0 | 0 | 0 | 0 | 890.36B |
Acquisitions | -2.25B | 0 | 0 | -300.76M | -994.5M | -2.42B | -13.67B | 1.07T | -400.75B |
Other Investing | 1.31B | 156.42M | 3.73B | 1.41B | 43.74B | -77.55B | -90.57B | 85.39B | -789.37B |
Cash from Financing | 20.6B | 16.41B | -243.21B | -103.22B | 51.13B | 83.96B | -500.34B | 413.52B | 873.8B |
Dividends Paid | -859.18M | -2.49B | -3.62B | -5.99B | -3.75B | -66.21B | -179.28B | -614.94B | -383.46B |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -979.26M | 0 |
Stock Issued | 11B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 146.85B |
Net Stock Activity | 11B | 0 | 0 | 0 | 0 | 0 | 0 | -979.26M | 146.85B |
Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K |
Other Financing | 15.12B | -1.1B | -206.9B | 0 | -7.93B | 0 | -270.58B | 0 | 33.52B |
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 | 10.97B | 69.16B | 84.99B | 49.52B | 86.48B | 559.89B | 2.25T | 1.34T | 810.15B |
Cash at Beginning | 220.96B | 202.99B | 347.46B | 929.14B | 3.47T | 3.89T | 4.13T | 7.12T | 9.48T |
Cash at End | 202.99B | 347.46B | 315.59B | 1.11T | 3.89T | 4.13T | 3.27T | 7.41T | 10.27T |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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% |
Grupo Financiero Galicia S.A. (GGAL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
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 | 167.19 | 504.59 | 664.51 | 1.11K | 1.92K | 4.01K | 12.81K | 13.64K | 38.04K | 48.35K |
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% |
Grupo Financiero Galicia S.A. (GGAL) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.