Grupo Financiero Galicia S.A. (GGAL) Financial Ratios
26 years of historical data (2000–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
14.46
—
5yr avg: N/A
30Y Low0.2·High23.3
P/FCF
↑
329.26
↑+453866% vs avg
5yr avg: 0.07
30Y Low0.0·High3.1
P/B Ratio
↓
1.71
↑+119315% vs avg
5yr avg: 0.00
30Y Low0.0·High1.1
ROE
↓
3.3%
↑-89% vs avg
5yr avg: 30.2%
30Y Low-174%·High43%
Debt/EBITDA
↑
6.73
↑+267% vs avg
5yr avg: 1.83
30Y Low0.3·High23.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GGAL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Grupo Financiero Galicia S.A. trades at 58.0x earnings, 458538% above its 5-year average of 0.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 327%. On a free-cash-flow basis, the stock trades at 329.3x P/FCF, 453866% above the 5-year average of 0.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $9.1B | $8.7B | $9.9B | $2.6B | $1.4B | $1.4B | $1.3B | $2.3B | $3.9B | $8.8B | $3.5B |
| Enterprise Value | $5.3B | $-5416375574924 | $-193210754976 | $-1527604085053 | $-900985408247 | $-300777402911 | $-177645497516 | $-78597672782 | $-25971300138 | $36.2B | $1.5B |
| P/E Ratio → | 58.05 | 0.04 | 0.01 | 0.00 | 0.01 | 0.01 | 0.03 | 0.08 | — | 0.49 | 0.58 |
| P/S Ratio | 0.98 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.06 | 0.07 |
| P/B Ratio | 1.71 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.04 | 0.13 | 0.16 |
| P/FCF | 329.26 | 0.22 | — | 0.00 | 0.00 | — | 0.00 | 0.01 | 0.22 | — | 0.15 |
| P/OCF | 40.58 | 0.03 | — | 0.00 | 0.00 | — | 0.00 | 0.01 | 0.17 | — | 0.14 |
P/E links to full P/E history page with 30-year chart
GGAL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Grupo Financiero Galicia S.A.'s enterprise value stands at 14.5x EBITDA. The Financial Services sector median is 11.4x, placing the stock at a 27% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.40 | -0.02 | -0.11 | -0.11 | -0.11 | -0.21 | -0.15 | -0.10 | 0.24 | 0.03 |
| EV / EBITDA | 14.46 | -10.00 | -0.08 | -1.12 | -1.42 | -0.80 | -1.11 | -0.85 | -2.47 | 1.44 | 0.15 |
| EV / EBIT | 23.34 | -16.41 | -0.09 | -1.29 | -2.03 | -1.04 | -1.31 | -0.95 | -3.67 | 1.58 | 0.16 |
| EV / FCF | — | -134.50 | — | -0.96 | -0.52 | — | -0.34 | -0.50 | -1.43 | — | 0.06 |
GGAL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Grupo Financiero Galicia S.A. earns an operating margin of 2.5%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 8.5% to 2.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 3.3% is modest, trailing the sector median of 9.0%. ROIC of 2.6% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 41.3% | 41.3% | 62.7% | 49.5% | 50.8% | 56.9% | 57.5% | 52.4% | 52.0% | 66.7% | 59.2% |
| Operating Margin | 2.5% | 2.5% | 20.8% | 8.5% | 5.2% | 10.1% | 15.7% | 16.2% | 2.6% | 15.5% | 19.0% |
| Net Profit Margin | 1.7% | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | 8.5% | 9.6% | -2.7% | 7.1% | 12.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.3% | 3.3% | 40.2% | 37.5% | 26.5% | 43.4% | 34.1% | 38.3% | -8.9% | 23.4% | 32.2% |
| ROA | 0.6% | 0.6% | 7.6% | 7.1% | 4.8% | 7.8% | 5.9% | 5.4% | -1.1% | 2.9% | 3.0% |
| ROIC | 2.6% | 2.6% | 31.0% | 36.4% | 21.2% | 38.8% | 33.1% | 26.2% | 3.0% | 19.7% | 21.6% |
| ROCE | 2.3% | 2.3% | 19.5% | 12.2% | 6.8% | 12.1% | 11.2% | 9.6% | 1.1% | 6.4% | 4.9% |
GGAL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Grupo Financiero Galicia S.A. carries a Debt/EBITDA ratio of 6.7x, which is highly leveraged (58% above the sector average of 4.3x). The company holds a net cash position — cash of $9.1T exceeds total debt of $3.6T, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.47 | 0.47 | 0.36 | 0.23 | 0.26 | 0.27 | 0.31 | 0.61 | 1.27 | 1.04 | 0.70 |
| Debt / EBITDA | 6.73 | 6.73 | 0.90 | 0.34 | 0.78 | 0.43 | 0.54 | 1.04 | 11.49 | 2.79 | 1.57 |
| Net Debt / Equity | — | -0.70 | -0.03 | -0.76 | -0.48 | -0.51 | -0.65 | -0.51 | -0.31 | 0.41 | -0.09 |
| Net Debt / EBITDA | -10.01 | -10.01 | -0.08 | -1.12 | -1.42 | -0.80 | -1.11 | -0.87 | -2.84 | 1.09 | -0.21 |
| Debt / FCF | — | -134.72 | — | -0.96 | -0.52 | — | -0.34 | -0.51 | -1.64 | — | -0.09 |
| Interest Coverage | 0.07 | 0.07 | 0.71 | 0.18 | 0.12 | 0.26 | 0.51 | 0.42 | 0.08 | 0.60 | 0.55 |
Net cash position: cash ($9.07T) exceeds total debt ($3.65T)
GGAL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.58x is below 1.0, meaning current liabilities exceed current assets — though the company's $9.1T cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 2.70x to 0.58x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.58 | 0.58 | 0.66 | 2.70 | 1.09 | 8.50 | 5.10 | 4.20 | 3.27 | 2.90 | 12.28 |
| Quick Ratio | 0.58 | 0.58 | 0.66 | 2.70 | 1.09 | 8.50 | 5.10 | 4.20 | 3.27 | 2.90 | 12.28 |
| Cash Ratio | 0.31 | 0.31 | 0.20 | 2.66 | 2.42 | 8.50 | 4.38 | 4.65 | 3.27 | 2.90 | 12.28 |
| Asset Turnover | — | 0.30 | 0.33 | 1.36 | 0.81 | 0.88 | 0.54 | 0.55 | 0.30 | 0.30 | 0.20 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GGAL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Grupo Financiero Galicia S.A. returns 2.9% to shareholders annually primarily through dividends. The payout ratio exceeds 100% at 167.9%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 1.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 167.9% | 167.9% | 37.8% | 24.4% | 20.1% | 6.2% | 8.1% | 7.4% | — | 8.2% | 2.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 1.7% | 2636.3% | 19043.6% | 31300.5% | 10541.6% | 13477.3% | 3073.2% | 1285.3% | — | 202.4% | 172.0% |
| FCF Yield | 0.3% | 464.8% | — | 62341.8% | 120604.0% | — | 41501.5% | 6780.2% | 461.5% | — | 686.5% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $161M | $159M | $148M | $148M | $148M | $143M | $143M | $143M | $134M | $130M |
Peer Comparison
Compare GGAL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GGALYou | $9B | 58.0 | 14.5 | 329.3 | 41.3% | 2.5% | 3.3% | 2.6% | 6.7 |
 BMA | $7B | 28.2 | 10.8 | — | 50.5% | 10.2% | 7.3% | 7.9% | 2.2 |
 BBAR | $4B | 20.8 | 6.0 | 4.0 | 54.8% | 9.2% | 10.2% | 9.2% | 3.1 |
 SUPV | $996M | -25.5 | — | — | 39.5% | -4.8% | -6.3% | -5.7% | — |
 BSAC | $15B | 0.0 | 17.8 | 22.2 | 48.8% | 26.7% | 18.4% | 4.5% | 11.5 |
 ITUB | $86B | 10.2 | 20.6 | 3.5 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
 BBD | $36B | 7.9 | — | — | 34.6% | -1.1% | 13.3% | -0.3% | — |
 BSBR | $39B | 16.5 | 6.7 | 150.5 | 27.5% | 11.0% | 10.4% | 4.9% | 6.7 |
 GFI | $35B | 28.0 | 13.5 | 48.7 | 42.5% | 40.2% | 24.9% | 24.0% | 1.1 |
 BAP | $30B | 14.9 | 8.7 | 13.3 | 73.7% | 34.4% | 19.2% | 10.3% | 3.2 |
 BVN | $8B | 10.5 | 11.0 | 78.8 | 43.0% | 35.6% | 20.1% | 11.4% | 0.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 26 years · Updated daily
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GGAL — Frequently Asked Questions
Quick answers to the most common questions about buying GGAL stock.
What is Grupo Financiero Galicia S.A.'s P/E ratio?
Grupo Financiero Galicia S.A.'s current P/E ratio is 58.0x. The historical average is 2.1x. This places it at the 100th percentile of its historical range.
What is Grupo Financiero Galicia S.A.'s EV/EBITDA?
Grupo Financiero Galicia S.A.'s current EV/EBITDA is 14.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.3x.
What is Grupo Financiero Galicia S.A.'s ROE?
Grupo Financiero Galicia S.A.'s return on equity (ROE) is 3.3%. The historical average is 11.2%.
Is GGAL stock overvalued?
Based on historical data, Grupo Financiero Galicia S.A. is trading at a P/E of 58.0x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Grupo Financiero Galicia S.A.'s dividend yield?
Grupo Financiero Galicia S.A.'s current dividend yield is 2.89% with a payout ratio of 167.9%.
What are Grupo Financiero Galicia S.A.'s profit margins?
Grupo Financiero Galicia S.A. has 41.3% gross margin and 2.5% operating margin.
How much debt does Grupo Financiero Galicia S.A. have?
Grupo Financiero Galicia S.A.'s Debt/EBITDA ratio is 6.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.