Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.09 | — | 0.01 | 0.01 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.02 | 0.00 |
| — | — | +495.2% | +4419.5% | +66.8% | -16.1% | -82.0% | -98.5% | -39.2% | -13.9% | -52.6% | -40.4% | -89.2% | |
| P/S Ratio | 0.75 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | 0.00 |
| — | +719.3% | +2564.9% | +4182.4% | — | +392.4% | -20.9% | -95.0% | — | -98.0% | -95.4% | -79.6% | -57.7% | |
| P/B Ratio | 1.48 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| — | +454.3% | +1121.4% | +1460.0% | +1196.9% | -26.3% | -66.3% | -95.2% | -83.3% | -93.0% | -88.8% | -52.3% | -67.9% | |
| P/FCF | — | 0.00 | — | — | — | — | 0.00 | 0.00 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 2.67 | — | -2.81 | -3.54 | -0.06 | -4.56 | -0.54 | -0.65 | — | -0.45 | -0.26 | -0.59 | — |
| — | — | -417.5% | -448.7% | — | -916.5% | -110.6% | -10.2% | — | +76.1% | +82.0% | -209.3% | — | |
| EV / EBIT | 2.90 | — | -3.48 | -4.48 | -0.06 | -5.23 | -0.57 | -0.70 | — | -0.54 | -0.29 | -0.75 | -181.02 |
| — | — | -509.8% | -543.2% | — | -875.4% | -98.0% | +6.6% | — | +80.1% | +88.2% | -195.7% | -3976.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Grupo Financiero Galicia S.A.'s operating margin was -8.8% in Q3 2025, down 22.0 pp QoQ and down 22.9 pp YoY. The trailing four-quarter average of 10.2% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 3.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.7% | 62.7% | 73.0% | 56.5% | 55.5% | 60.7% | 91.9% | 65.7% | 38.0% | 45.7% | 94.1% | 94.2% | 100.6% |
| — | +3.3% | -20.6% | -14.0% | +46.0% | +32.7% | -2.3% | -30.3% | -62.2% | -51.6% | +2.9% | -0.1% | +95.1% | |
| Operating Margin | 20.8% | -8.8% | 13.2% | 9.3% | 27.2% | 14.1% | 35.3% | 14.0% | 6.9% | 6.6% | 22.4% | 11.0% | 0.3% |
| — | -162.6% | -62.6% | -33.5% | +296.4% | +113.1% | +57.8% | +27.4% | +2182.7% | -21.2% | +292.9% | +27.5% | -97.0% | |
| Net Margin | 15.3% | -4.4% | 8.3% | 6.4% | 24.3% | 9.2% | 22.9% | 9.2% | 6.3% | 4.8% | 15.6% | 7.0% | 0.1% |
| — | -148.4% | -63.9% | -30.2% | +284.1% | +91.6% | +46.9% | +31.1% | +8437.8% | -29.9% | +257.7% | +32.6% | -98.8% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 40.2% | -1.3% | 2.8% | 2.8% | 12.7% | 4.1% | 16.1% | 14.5% | -9.9% | 15.4% | 26.1% | 5.3% | 0.0% |
| — | -130.7% | -82.7% | -80.6% | +228.4% | -73.6% | -38.1% | +173.5% | -38620.2% | +160.0% | +794.1% | +136.8% | -99.0% | |
| ROA | 7.6% | -0.2% | 0.5% | 0.5% | 2.4% | 0.8% | 3.7% | 3.3% | -2.0% | 3.0% | 5.0% | 1.0% | 0.0% |
| — | -126.5% | -86.1% | -83.8% | +222.4% | -72.1% | -25.1% | +232.9% | -41968.1% | +173.0% | +812.7% | +136.5% | -99.0% | |
| ROIC | 31.0% | -1.4% | 2.5% | 2.2% | 8.3% | 4.0% | 16.1% | 13.9% | -6.6% | 13.2% | 23.0% | 5.0% | 0.1% |
| — | -134.2% | -84.6% | -83.8% | +226.2% | -69.6% | -30.1% | +178.8% | -11264.5% | +280.0% | +1182.4% | +153.1% | -97.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.36 | 0.38 | 0.32 | 0.37 | 0.36 | 0.18 | 0.15 | 0.16 | 0.23 | 0.20 | 0.21 | 0.22 | 0.26 |
| — | +117.1% | +111.9% | +125.7% | +54.3% | -10.9% | -29.4% | -25.4% | -10.9% | -63.5% | -64.0% | -62.3% | -4.1% | |
| Debt / EBITDA | 0.90 | — | 6.50 | 6.79 | 2.63 | 2.67 | 0.62 | 0.85 | — | 0.92 | 0.55 | 1.19 | — |
| — | — | +948.5% | +694.4% | — | +191.2% | +11.7% | -28.0% | — | -84.2% | -94.3% | -85.6% | — | |
| Current Ratio | 0.66 | 0.35 | 0.28 | 0.31 | 0.66 | — | 0.30 | 0.32 | 1.57 | 3.07 | 3.28 | 3.86 | 1.09 |
| — | — | -5.1% | -3.7% | -57.6% | — | -91.0% | -91.6% | +43.4% | -83.7% | -82.3% | -67.0% | -62.4% | |
| Quick Ratio | 0.66 | 0.35 | 0.28 | 0.31 | 0.66 | — | 0.30 | 0.32 | 1.57 | 3.07 | 3.28 | 3.86 | 1.09 |
| — | — | -5.1% | -3.7% | -57.6% | — | -91.0% | -91.6% | +43.4% | -83.7% | -82.3% | -67.0% | -62.4% | |
| Interest Coverage | 0.71 | — | — | 0.34 | 0.91 | 0.47 | — | 0.45 | — | 0.13 | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Grupo Financiero Galicia S.A.'s current P/E is 5.1x. The average P/E over the last 3 quarters is 0.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Grupo Financiero Galicia S.A.'s current operating margin is 20.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Grupo Financiero Galicia S.A.'s business trajectory between earnings reports.