Grupo Financiero Galicia S.A. (GGAL)
Valuation Overview•Is Grupo Financiero Galicia S.A. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 54/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
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Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street is highly bullish, projecting significant upside alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, anchored by a strong, well-covered dividend yield.
GGAL demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($5.8T) and minimal debt risk.
The company is driving exceptional top-line expansion (22.1% 3Y CAGR) paired with robust earnings compounding (11.5% EPS 3Y CAGR). However, profitability remains a major concern with severely compressed operating margins (1.8%).
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $2.0T | +13.4% | +22.1% | +70.2% | +80.0% | |
| EBITDA | $489.9B | — | -1.3% | — | — | |
| Net Income | $258.3B | -86.9% | -13.6% | — | +47.6% | |
| EPS (Diluted) | $1608.00 | -88.0% | +11.5% | +39.6% | +45.5% | |
| Free Cash Flow | -$699.5B | +101.4% | -71.5% | -40.0% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 50.5% | 83.1% | 86.8% | 86.3% |
| Operating Margin | 1.8% | 16.4% | 15.0% | 17.8% |
| Net Margin | 1.4% | 11.4% | 10.4% | 10.4% |
| FCF Margin | 38.9% | -5.5% | 0.7% | 18.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q3'26Latest | $0.90 | $1.09 | +21.1% | ||
| Q2'26 | $0.36 | $0.29 | -19.4% | ||
| Q1'26 | $-0.05 | $-0.36 | -620.0% | ||
| Q4'25 | $0.79 | $0.08 | -89.9% | ||
| Q3'25 | $1.49 | $0.94 | -36.9% | ||
| Q2'25 | $0.96 | $0.96 | +0.0% | ||
| Q1'25 | $1.13 | $3.41 | +201.8% | ||
| Q4'24 | $2.54 | $1.17 | -53.9% |
Total return is -46.2% (1Y), lagging the benchmark by -55.9%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -42.5% | -50.1% | — |
| 1Y | -46.2% | -55.9% | +2.6% |
| 3YCAGR | +41.6% | +23.2% | +39.3% |
| 5YCAGR | +24.6% | +15.5% | +52.5% |
| 10YCAGR | +1.8% | -11.3% | — |
The S&P 500 is at 29.9x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Grupo Financiero Galicia S.A. (GGAL) valuation, health, and returns.
Grupo Financiero Galicia S.A. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. trading near fair value (DCF: $27.58)
Grupo Financiero Galicia S.A. has multiple valuation anchors: DCF Intrinsic Value: $27.58 | Peer Relative Fair Value: $22175.48 | Wall Street Analyst Target: $45.00 (implying +52.9% upside). A convergence of these signals offers higher conviction.
Grupo Financiero Galicia S.A. displays fair financial health with a composite quality score of 54/100, supported by a Piotroski F-Score of 1/9, Return on Invested Capital (ROIC) of 2.3%.
Grupo Financiero Galicia S.A. pays a 5.3% dividend yield, covered by a 180% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Grupo Financiero Galicia S.A.'s current growth trajectory is Decelerating. The company achieved +13.4% 1Y revenue growth and -88.0% 1Y EPS growth, compared to its 3Y revenue CAGR of +22.1%.
Wall Street consensus is Buy based on 13 analysts, beating EPS expectations in 25% of recent quarters with a 1-quarter streak. The consensus price target represents a +52.9% change from current levels.
Investment risks for Grupo Financiero Galicia S.A. include: -48.8% 1-year max drawdown, high beta (1.53x market volatility), stretched payout ratio. Volatility risk is characterized by a beta of 1.53x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.