GGAL

Grupo Financiero Galicia S.A.

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Latest Quote

$42.24

-0.67 (-1.56%)

Current Price

Previous Close	$42.91
Open	$43.04
Day High	$43.34
Day Low	$41.69
Volume	787,489

Fetched: 2026-08-28T23:32:04

Stock Information

Note: Financial values converted from ARS to USD

Quarterly Dividend / Yield	$1.79 / 4.17%
Shares Outstanding	132.50M
Quarterly Dividend Yield	4.17%
Quarterly Dividend	$1.79
Total Debt	$1.99B
Cash Equivalents	$4.13B
Revenue	$4.18B
Net Income	$89.34M
Sector	Financial Services
Industry	Banks - Regional
Market Cap	$7.16B
P/E Ratio	120.69
EPS (TTM)	$0.35
Exchange	NCM

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Recent Price History

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About Grupo Financiero Galicia S.A.

Grupo 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 Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; and credit and debit cards. The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, flexible loans, and overdrafts for individuals; and immediate loans, discount of electronic credit invoice and e-checks, pledge and mortgage loans, Sociedad de Garantía Recíproca loans, Socios de valor, productive line, leasing, and purchase of agricultural inputs for companies. In addition, the company offers life, home, personal accident, robbery, cars, and other insurance products; fixed term, traditional fixed term, and purchasing value unit investment products; custody of securities; purchase and sale of foreign currency; private banking; and fixed income products, stocks, CEDEARs, secured loans, mutual funds, stock promissory note, structured solutions, and primary issuances; foreign trade; and capital market and investment banking. Further, it provides online banking services. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

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Period:

Income Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue
Total Revenue	$5,739,610,251	$6,638,875,863	$6,433,455,653	$3,149,451,878
Operating Revenue	$5,739,610,251	$6,638,875,863	$6,433,455,653	$3,149,451,878
Expenses
Interest Expense	$2,608,839,134	$2,741,602,999	$5,835,249,409	$2,578,152,356
Rent Expense Supplemental	$6,248,165	$1,260,000	$1,217,820	$1,613,304
Selling And Marketing Expense	$41,580,338	$33,327,683	$27,542,223	$19,461,981
General And Administrative Expense	$1,388,252,493	$1,335,148,274	$1,054,864,215	$730,049,250
Other Non Interest Expense	$958,706,548	$929,739,834	$876,164,459	$486,702,956
Other Non Operating Income Expenses	-	$-2,109,105,967	$-2,924,366,557	$-1,246,289,518
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$142,873,077	$1,422,156,776	$649,332,008	$221,434,388
Net Interest Income	$3,899,552,869	$4,617,135,604	$3,367,570,356	$690,091,403
Interest Income	$6,508,392,003	$7,358,738,603	$9,202,819,765	$3,268,243,758
Normalized Income	$142,873,077	$1,422,156,776	$649,332,008	$221,434,388
Net Income From Continuing And Discontinued Operation	$142,873,077	$1,422,156,776	$649,332,008	$221,434,388
Net Income Common Stockholders	$142,873,077	$1,422,156,776	$649,332,008	$221,434,388
Net Income	$142,873,077	$1,422,156,776	$649,332,008	$221,434,388
Net Income Including Noncontrolling Interests	$142,932,462	$1,422,037,173	$649,327,164	$221,434,429
Net Income Continuous Operations	$142,932,462	$1,422,037,173	$649,327,164	$221,434,429
Pretax Income	$204,269,992	$1,940,815,612	$1,045,738,360	$298,792,114
Depreciation Amortization Depletion Income Statement	$204,763,192	$166,319,629	$162,305,177	$127,088,404
Depreciation And Amortization In Income Statement	$204,763,192	$166,319,629	$162,305,177	$127,088,404
Amortization Of Intangibles Income Statement	$79,767,496	$83,021,053	$78,031,374	$57,895,052
Depreciation Income Statement	$124,995,697	$83,298,577	$84,273,803	$69,193,352
Special Income Charges	-	-	-	-
Per Share
Diluted EPS	$0.89	$7.98	$3.09	$1.50
Basic EPS	$0.89	$7.98	$3.09	$1.50
Other
Tax Effect Of Unusual Items	$0	$0	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Reconciled Depreciation	$204,763,192	$166,319,629	$162,305,177	$127,088,404
Diluted Average Shares	$107,843	$99,921	$99,421	$99,355
Basic Average Shares	$107,843	$99,921	$99,421	$99,355
Diluted NI Availto Com Stockholders	$142,873,077	$1,422,156,776	$649,332,008	$221,434,388
Minority Interests	$-59,385	$119,603	$4,844	$-41
Tax Provision	$61,337,531	$518,778,440	$396,411,196	$77,357,685
Gain On Sale Of Security	$537,746,426	$948,297,003	$608,567,531	$1,544,131,559
Amortization	$79,767,496	$83,021,053	$78,031,374	$57,895,052
Selling General And Administration	$1,429,832,831	$1,368,475,957	$1,082,406,438	$749,511,231
Other Gand A	$481,748,586	$371,236,234	$319,017,695	$236,509,027
Insurance And Claims	$68,268,721	$41,748,687	$50,814,578	$44,530,671
Rent And Landing Fees	$6,248,165	$1,260,000	$1,217,820	$1,613,304
Salaries And Wages	$831,987,020	$920,903,353	$683,814,123	$447,396,248
Occupancy And Equipment	-	$81,740,054	$61,858,155	$63,595,966
Total Unusual Items	-	-	-	-
Total Unusual Items Excluding Goodwill	-	-	-	-

Fetched: 2026-08-18

Balance Sheet (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Net Tangible Assets	$4,960,008,179	$5,078,420,368	$1,272,968,355	$1,193,915,500
Total Assets	$30,702,151,411	$28,747,722,265	$6,867,937,942	$7,050,874,682
Goodwill And Other Intangible Assets	$256,351,969	$269,275,888	$83,102,398	$80,626,880
Other Intangible Assets	$256,351,969	$204,696,636	$83,102,398	$80,626,880
Prepaid Assets	$35,741,232	$83,477,483	$21,941,783	$22,208,827
Receivables	$5,595,465,607	$5,242,173,286	$687,171,650	$881,073,343
Other Receivables	$257,875,512	$1,348,791,029	$93,682,107	$111,027,272
Notes Receivable	$4,702,838,723	$3,473,619,510	$473,182,644	$653,016,429
Accounts Receivable	$634,751,372	$419,762,748	$120,306,899	$117,029,642
Cash And Cash Equivalents	$6,297,292,519	$5,964,876,329	$1,341,771,294	$936,932,328
Cash Equivalents	$0	$93,602	$0	-
Cash Financial	$1,508,941,839	$2,565,980,040	$743,317,203	$361,301,495
Cash Cash Equivalents And Federal Funds Sold	$6,785,426,854	$5,964,876,329	$2,128,436,992	$1,178,781,253
Debt
Total Debt	$1,964,433,803	$1,565,996,008	$313,092,445	$330,259,856
Long Term Debt And Capital Lease Obligation	$1,964,433,803	$1,565,996,008	$313,092,445	$330,259,856
Long Term Debt	$1,934,721,610	$1,518,491,992	$293,286,855	$314,191,223
Liabilities
Total Liabilities Net Minority Interest	$25,485,597,276	$23,399,886,120	$5,511,807,538	$5,776,332,262
Derivative Product Liabilities	$12,329,823	$6,785,046	$8,227,729	$3,546,622
Non Current Deferred Liabilities	$152,138,353	$311,948,186	$14,102,873	$19,153,503
Non Current Deferred Taxes Liabilities	$17,643,740	$121,297,817	$11,667,453	$13,328,022
Payables And Accrued Expenses	$431,309,934	$443,643,407	$504,569,980	$386,557,383
Payables	$428,733,603	$435,698,769	$451,789,631	$348,724,878
Other Payable	$52,077,323	$112,430,147	$77,266,011	$126,074,007
Dividends Payable	$105,393,602	$0	-	-
Total Tax Payable	$271,262,678	$323,268,622	$277,412,142	$128,626,544
Income Tax Payable	$271,262,678	$323,268,622	$277,412,142	$128,626,544
Accounts Payable	-	$158,331,447	$97,111,478	$94,024,327
Equity
Common Stock Equity	$5,216,360,148	$5,347,696,256	$1,356,070,754	$1,274,542,380
Total Equity Gross Minority Interest	$5,216,554,136	$5,347,836,145	$1,356,130,404	$1,274,542,420
Stockholders Equity	$5,216,360,148	$5,347,696,256	$1,356,070,754	$1,274,542,380
Other Equity Interest	$1,564,984,441	$1,547,667,641	$481,694,074	$481,694,074
Gains Losses Not Affecting Retained Earnings	$4,044,147,111	$2,971,670,024	$1,007,039,593	$1,044,449,932
Other Equity Adjustments	$4,044,147,111	$2,971,670,024	$1,007,039,593	$1,044,449,932
Retained Earnings	$-930,092,234	$358,458,711	$-145,271,907	$-264,210,620
Long Term Equity Investment	$8,614,991	$3,615,061	$1,781,753	$1,395,880
Other
Ordinary Shares Number	$1,079,834	$1,070,999	$994,211	$994,211
Share Issued	$1,079,834	$1,070,999	$994,211	$994,211
Tangible Book Value	$4,960,008,179	$5,078,420,368	$1,272,968,355	$1,193,915,500
Invested Capital	$7,151,081,758	$6,866,188,248	$1,649,357,608	$1,588,733,604
Capital Lease Obligations	$29,712,193	$47,504,016	$19,805,590	$16,068,632
Total Capitalization	$7,151,081,758	$6,866,188,248	$1,649,357,608	$1,588,733,604
Minority Interest	$193,988	$139,888	$59,650	$40
Additional Paid In Capital	$536,240,996	$468,831,972	$11,617,605	$11,617,605
Capital Stock	$1,079,835	$1,067,909	$991,390	$991,390
Common Stock	$1,079,835	$1,067,909	$991,390	$991,390
Employee Benefits	$32,251,659	$10,867,519	$323,896	$743,983
Non Current Pension And Other Postretirement Benefit Plans	$32,251,659	$10,867,519	$323,896	$743,983
Non Current Deferred Revenue	$134,494,614	$190,650,369	$2,435,420	$5,825,481
Long Term Capital Lease Obligation	$29,712,193	$47,504,016	$19,805,590	$16,068,632
Long Term Provisions	$85,028,420	$355,513,390	$13,706,180	$21,468,858
Current Accrued Expenses	$2,576,331	$7,944,638	$52,780,349	$37,832,504
Investments And Advances	$5,381,995,282	$5,639,691,200	$1,742,325,512	$2,455,400,432
Available For Sale Securities	$5,373,380,290	$5,636,076,139	$1,740,543,759	$2,454,004,553
Net PPE	$803,713,573	$880,400,188	$238,829,685	$242,470,863
Accumulated Depreciation	$-778,919,612	$-516,711,700	$-217,113,854	$-206,078,910
Gross PPE	$1,582,633,186	$1,185,969,384	$455,943,539	$448,549,773
Leases	$129,042,975	$98,710,244	$38,638,265	$45,623,939
Construction In Progress	$9,303,623	$23,028,181	$6,389,664	$1,882,334
Other Properties	$721,991,951	$569,912,227	$225,015,142	$221,973,099
Machinery Furniture Equipment	$722,294,637	$494,318,733	$185,900,468	$179,070,401

Fetched: 2026-08-18

Cash Flow Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Free Cash Flow
Free Cash Flow	$-1,244,596,427	$2,907,849,841	$3,068,370,993	$2,542,281,895
Operating Activities
Operating Cash Flow	$-1,079,275,569	$3,097,725,324	$3,210,917,201	$2,626,758,819
Cash Flow From Continuing Operating Activities	$-1,079,275,569	$3,097,725,324	$3,210,917,201	$2,626,758,819
Operating Gains Losses	$-2,540,702,359	$-1,088,917,863	$-1,991,358,310	$-819,655,537
Investing Activities
Capital Expenditure	$-165,320,858	$-189,875,484	$-142,546,208	$-84,476,923
Investing Cash Flow	$-149,868,322	$765,130,951	$-157,644,448	$-85,249,698
Cash Flow From Continuing Investing Activities	$-149,868,322	$765,130,951	$-157,644,448	$-85,249,698
Financing Activities
Issuance Of Capital Stock	$84,737,750	$0	$0	-
Financing Cash Flow	$587,427,210	$365,705,343	$-442,483,762	$122,913,265
Cash Flow From Continuing Financing Activities	$587,427,210	$365,705,343	$-442,483,762	$122,913,265
Cash Dividends Paid	$-221,266,701	$-543,832,294	$-345,252,736	$-96,934,360
Common Stock Dividend Paid	$-221,266,701	$-543,832,294	$-345,252,736	$-96,934,360
Net Common Stock Issuance	$84,737,750	$0	$0	-
Common Stock Issuance	$84,737,750	$0	$0	-
Dividends Received Cfi	$2,439,258	$3,994,005	$1,954,852	$0
Net Other Financing Charges	-	$-866,017	-	-
Other
Repayment Of Debt	$-2,006,718,726	$-943,582,381	$-961,538,893	$-429,636,251
Issuance Of Debt	$2,730,674,888	$1,853,986,036	$864,307,867	$649,483,876
End Cash Position	$6,905,844,127	$6,549,948,075	$6,292,299,561	$6,048,427,384
Other Cash Adjustment Outside Changein Cash	$-1,543,089,625	$-5,059,830,968	$-6,266,478,994	$-3,136,497,781
Beginning Cash Position	$6,549,948,075	$6,292,299,561	$7,956,631,254	$5,700,847,242
Effect Of Exchange Rate Changes	$2,540,702,359	$1,088,917,863	$1,991,358,310	$819,655,537
Changes In Cash	$-641,716,682	$4,228,561,618	$2,610,788,990	$2,664,422,386
Net Issuance Payments Of Debt	$723,956,161	$910,403,654	$-97,231,026	$219,847,625
Net Long Term Debt Issuance	$723,956,161	$910,403,654	$-97,231,026	$219,847,625
Long Term Debt Payments	$-2,006,718,726	$-943,582,381	$-961,538,893	$-429,636,251
Long Term Debt Issuance	$2,730,674,888	$1,853,986,036	$864,307,867	$649,483,876
Net Business Purchase And Sale	$-1,840,675	$945,056,952	$-26,326,859	$-3,544,056
Sale Of Business	$0	$947,959,025	$0	$0
Purchase Of Business	$-1,840,675	$-2,902,073	$-26,326,859	$-3,544,056
Net PPE Purchase And Sale	$-150,466,906	$-183,920,007	$-133,272,442	$-81,705,642
Sale Of PPE	$14,853,952	$5,955,477	$9,273,767	$2,771,281
Purchase Of PPE	$-165,320,858	$-189,875,484	$-142,546,208	$-84,476,923
Taxes Refund Paid	$-238,388,410	$-804,944,802	$-252,563,742	$-138,559,307
Interest Paid Cfo	$-31,860,001	-	-	-
Change In Working Capital	$-4,738,943,433	$-2,497,943,977	$-2,392,958,630	$33,855,974
Change In Other Working Capital	$3,192,019,730	$3,952,090,352	$-3,525,863,588	$-679,857,633
Change In Other Current Liabilities	$21,609,200	$500,011,217	$145,608,394	$15,403,520
Change In Other Current Assets	$-12,098,606	$-144,286,084	$-66,013,697	$-15,853,997
Other Non Cash Items	$4,048,396,161	$4,619,370,203	$6,272,534,050	$2,886,181,100
Depreciation Amortization Depletion	$204,763,192	$166,319,629	$162,305,177	$127,088,404
Depreciation And Amortization	$204,763,192	$166,319,629	$162,305,177	$127,088,404
Amortization Cash Flow	$79,767,496	$83,021,053	$78,031,374	$57,895,052
Amortization Of Intangibles	$79,767,496	$83,021,053	$78,031,374	$57,895,052
Depreciation	$124,995,697	$83,298,577	$84,273,803	$69,193,352
Net Foreign Currency Exchange Gain Loss	$-2,540,702,359	$-1,088,917,863	$-1,991,358,310	$-819,655,537
Net Income From Continuing Operations	$204,269,992	$1,940,815,612	$1,045,738,360	$298,792,114

Fetched: 2026-08-18