GGAL
Grupo Financiero Galicia S.A.
Price Chart
Latest Quote
$49.94
-0.24 (-0.48%)
Current Price
| Previous Close | $50.18 |
| Open | $49.42 |
| Day High | $50.01 |
| Day Low | $48.46 |
| Volume | 1,100,499 |
Stock Information
Note: Financial values converted from ARS to USD
| Quarterly Dividend / Yield | $2.16 / 4.31% |
| Shares Outstanding | 132.50M |
| Quarterly Dividend Yield | 4.31% |
| Quarterly Dividend | $2.16 |
| Total Debt | $4.56B |
| Cash Equivalents | $4.84B |
| Revenue | $4.11B |
| Net Income | $46.66M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $8.46B |
| P/E Ratio | 138.72 |
| EPS (TTM) | $0.36 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-345.10B |
| Sales | $4.11B |
| Income | $46.66M |
| Book/sh | $3.62 |
| Cash/sh | $54026.11 |
| Employees | 10K |
Financial Ratios
| EPS Growth TTM | -65.70% |
Returns & Margins
| ROA | 0.17% |
| ROE | 0.90% |
| Operating Margin | 1.78% |
| Profit Margin | 1.14% |
Ownership
| Insider Ownership | 0.06% |
| Institutional Ownership | 25.04% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.39 |
| PEG | 0.18 |
| P/S | 0.00 |
| P/B | 13.80 |
Analyst Data
| Recommendation | buy |
| Target Price | $68.58 |
Technical Indicators
| SMA20 | $51.12 |
| SMA50 | $48.70 |
| SMA200 | $46.58 |
| RSI | 49.93 |
| ATR | 2.4743 |
| Shares Float | 837.31M |
| Short Float | 21.31% |
| Short Ratio | 5.32 |
| Volatility | 0.37 |
| Rel Volume | 1.03 |
Performance History
| Week | -7.05% |
| Month | -8.27% |
| Quarter | +3.86% |
| 6 Months | +0.83% |
| YTD | -3.65% |
| Year | +12.95% |
| 3 Years | +248.72% |
| 5 Years | +690.04% |
| 10 Years | +111.97% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $49.94 | 1,100,499 |
| 2026-07-16 | $50.18 | 1,234,800 |
| 2026-07-15 | $52.67 | 1,614,700 |
| 2026-07-14 | $50.80 | 1,164,000 |
| 2026-07-13 | $51.41 | 747,100 |
| 2026-07-10 | $53.73 | 1,808,500 |
| 2026-07-09 | $49.39 | 617,500 |
| 2026-07-08 | $50.25 | 1,485,600 |
| 2026-07-07 | $51.10 | 572,700 |
| 2026-07-06 | $53.02 | 1,365,300 |
| 2026-07-02 | $50.37 | 810,400 |
| 2026-07-01 | $49.05 | 910,700 |
| 2026-06-30 | $50.03 | 688,500 |
| 2026-06-29 | $50.90 | 1,096,400 |
| 2026-06-26 | $49.97 | 648,100 |
| 2026-06-25 | $49.42 | 511,200 |
| 2026-06-24 | $49.10 | 1,145,000 |
| 2026-06-23 | $51.35 | 913,700 |
| 2026-06-22 | $53.33 | 1,698,300 |
| 2026-06-18 | $56.37 | 1,334,600 |
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 GarantÃa RecÃproca 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.
đ° Latest News
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How The Investment Story For Grupo Financiero Galicia (BASE:GGAL) Is Shifting After JPMorganâs Target Cut
Simply Wall St. âĸ 2026-05-05T09:08:21Z
Grupo Financiero Galicia SA (GGAL) Q4 2025 Earnings Call Highlights: Navigating Challenges with ...
GuruFocus.com âĸ 2026-03-07T01:03:02ZGrupo Financiero Galicia Q4 Earnings Call Highlights
MarketBeat âĸ 2026-03-06T02:07:46Z
New Strong Sell Stocks for February 10th
Zacks âĸ 2026-02-10T10:57:00Z
How A Fresh Price Target Is Reframing The Story For Grupo Financiero Galicia (BASE:GGAL)
Simply Wall St. âĸ 2026-01-24T16:07:03Z
Stock Market Today, Dec. 17: Nu Holdings Falls After Mixed Institutional Moves Signal Uncertainty
Motley Fool âĸ 2025-12-17T22:37:19Z
Why The Narrative Around Grupo Financiero Galicia Is Shifting Amid Mixed Analyst Signals
Simply Wall St. âĸ 2025-12-16T14:08:41Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $5,788,251,066 | $6,695,137,581 | $6,487,976,520 | $3,176,142,176 |
| Operating Revenue | $5,788,251,066 | $6,695,137,581 | $6,487,976,520 | $3,176,142,176 |
| Expenses | ||||
| Interest Expense | $2,630,947,963 | $2,764,836,947 | $5,884,700,726 | $2,600,001,127 |
| Rent Expense Supplemental | $6,301,116 | $1,270,678 | $1,228,140 | $1,626,976 |
| Other Non Operating Income Expenses | $-1,024,751,521 | $-2,126,979,765 | $-2,949,149,350 | $-1,256,851,305 |
| Selling And Marketing Expense | $41,932,714 | $33,610,121 | $27,775,632 | $19,626,913 |
| General And Administrative Expense | $1,400,017,356 | $1,346,463,102 | $1,063,803,751 | $736,236,114 |
| Other Non Interest Expense | $966,831,188 | $937,618,994 | $883,589,589 | $490,827,561 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $144,083,867 | $1,434,208,965 | $654,834,828 | $223,310,953 |
| Net Interest Income | $3,932,599,962 | $4,656,263,912 | $3,396,109,118 | $695,939,641 |
| Interest Income | $6,563,547,925 | $7,421,100,859 | $9,280,809,844 | $3,295,940,768 |
| Normalized Income | $144,083,867 | $1,434,208,965 | $654,834,828 | $223,310,953 |
| Net Income From Continuing And Discontinued Operation | $144,083,867 | $1,434,208,965 | $654,834,828 | $223,310,953 |
| Net Income Common Stockholders | $144,083,867 | $1,434,208,965 | $654,834,828 | $223,310,953 |
| Net Income | $144,083,867 | $1,434,208,965 | $654,834,828 | $223,310,953 |
| Net Income Including Noncontrolling Interests | $144,143,755 | $1,434,088,348 | $654,829,943 | $223,310,994 |
| Net Income Continuous Operations | $144,143,755 | $1,434,088,348 | $654,829,943 | $223,310,994 |
| Pretax Income | $206,001,096 | $1,957,263,220 | $1,054,600,559 | $301,324,253 |
| Depreciation Amortization Depletion Income Statement | $206,498,475 | $167,729,119 | $163,680,646 | $128,165,425 |
| Depreciation And Amortization In Income Statement | $206,498,475 | $167,729,119 | $163,680,646 | $128,165,425 |
| Amortization Of Intangibles Income Statement | $80,443,492 | $83,724,621 | $78,692,657 | $58,385,689 |
| Depreciation Income Statement | $126,054,983 | $84,004,497 | $84,987,989 | $69,779,737 |
| Special Income Charges | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $0.90 | $8.05 | $3.12 | $1.51 |
| Basic EPS | $0.90 | $8.05 | $3.12 | $1.51 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $206,498,475 | $167,729,119 | $163,680,646 | $128,165,425 |
| Diluted Average Shares | $108,757 | $100,767 | $100,264 | $100,197 |
| Basic Average Shares | $108,757 | $100,767 | $100,264 | $100,197 |
| Diluted NI Availto Com Stockholders | $144,083,867 | $1,434,208,965 | $654,834,828 | $223,310,953 |
| Minority Interests | $-59,888 | $120,617 | $4,885 | $-41 |
| Tax Provision | $61,857,341 | $523,174,872 | $399,770,616 | $78,013,259 |
| Gain On Sale Of Security | $542,303,604 | $956,333,427 | $613,724,889 | $1,557,217,433 |
| Amortization | $80,443,492 | $83,724,621 | $78,692,657 | $58,385,689 |
| Selling General And Administration | $1,441,950,071 | $1,380,073,223 | $1,091,579,383 | $755,863,027 |
| Other Gand A | $485,831,206 | $374,382,308 | $321,721,237 | $238,513,342 |
| Insurance And Claims | $68,847,270 | $42,102,489 | $51,245,210 | $44,908,050 |
| Rent And Landing Fees | $6,301,116 | $1,270,678 | $1,228,140 | $1,626,976 |
| Salaries And Wages | $839,037,765 | $928,707,627 | $689,609,164 | $451,187,746 |
| Occupancy And Equipment | - | $82,432,767 | $62,382,377 | $64,134,915 |
| Total Unusual Items | - | - | - | - |
| Total Unusual Items Excluding Goodwill | - | - | - | - |
Fetched: 2026-07-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $5,002,042,190 | $5,121,457,874 | $1,283,756,234 | $1,204,033,438 |
| Total Assets | $30,962,339,406 | $28,991,347,283 | $6,926,140,867 | $7,110,627,919 |
| Goodwill And Other Intangible Assets | $258,524,445 | $271,557,889 | $83,806,657 | $81,310,160 |
| Other Intangible Assets | $258,524,445 | $206,431,355 | $83,806,657 | $81,310,160 |
| Prepaid Assets | $36,044,124 | $84,184,920 | $22,127,730 | $22,397,037 |
| Receivables | $5,642,884,856 | $5,286,598,530 | $692,995,145 | $888,540,074 |
| Other Receivables | $260,060,900 | $1,360,221,473 | $94,476,023 | $111,968,182 |
| Notes Receivable | $4,742,693,330 | $3,503,056,994 | $477,192,671 | $658,550,472 |
| Accounts Receivable | $640,130,627 | $423,320,063 | $121,326,451 | $118,021,419 |
| Cash And Cash Equivalents | $6,350,659,460 | $6,015,426,181 | $1,353,142,249 | $944,872,441 |
| Cash Equivalents | $0 | $94,395 | $0 | - |
| Cash Financial | $1,521,729,495 | $2,587,725,657 | $749,616,508 | $364,363,375 |
| Cash Cash Equivalents And Federal Funds Sold | $6,842,930,531 | $6,015,426,181 | $2,146,474,612 | $1,188,770,935 |
| Debt | ||||
| Total Debt | $1,981,081,565 | $1,579,267,174 | $315,745,773 | $333,058,671 |
| Long Term Debt And Capital Lease Obligation | $1,981,081,565 | $1,579,267,174 | $315,745,773 | $333,058,671 |
| Long Term Debt | $1,951,117,573 | $1,531,360,581 | $295,772,339 | $316,853,864 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $25,701,577,138 | $23,598,190,446 | $5,558,517,820 | $5,825,284,281 |
| Derivative Product Liabilities | $12,434,313 | $6,842,546 | $8,297,456 | $3,576,678 |
| Non Current Deferred Liabilities | $153,427,663 | $314,591,818 | $14,222,389 | $19,315,821 |
| Non Current Deferred Taxes Liabilities | $17,793,263 | $122,325,766 | $11,766,329 | $13,440,971 |
| Payables And Accrued Expenses | $434,965,107 | $447,403,101 | $508,846,001 | $389,833,296 |
| Payables | $432,366,943 | $439,391,135 | $455,618,360 | $351,680,177 |
| Other Payable | $52,518,657 | $113,382,945 | $77,920,808 | $127,142,432 |
| Dividends Payable | $106,286,769 | $0 | - | - |
| Total Tax Payable | $273,561,517 | $326,008,190 | $279,763,095 | $129,716,601 |
| Income Tax Payable | $273,561,517 | $326,008,190 | $279,763,095 | $129,716,601 |
| Accounts Payable | - | $159,673,240 | $97,934,457 | $94,821,144 |
| Equity | ||||
| Common Stock Equity | $5,260,566,636 | $5,393,015,763 | $1,367,562,891 | $1,285,343,598 |
| Total Equity Gross Minority Interest | $5,260,762,268 | $5,393,156,837 | $1,367,623,047 | $1,285,343,638 |
| Stockholders Equity | $5,260,566,636 | $5,393,015,763 | $1,367,562,891 | $1,285,343,598 |
| Other Equity Interest | $1,578,247,035 | $1,560,783,482 | $485,776,231 | $485,776,231 |
| Gains Losses Not Affecting Retained Earnings | $4,078,419,580 | $2,996,853,694 | $1,015,573,835 | $1,053,301,212 |
| Other Equity Adjustments | $4,078,419,580 | $2,996,853,694 | $1,015,573,835 | $1,053,301,212 |
| Retained Earnings | $-937,974,380 | $361,496,500 | $-146,503,026 | $-266,449,696 |
| Long Term Equity Investment | $8,688,000 | $3,645,697 | $1,796,852 | $1,407,709 |
| Other | ||||
| Ordinary Shares Number | $1,088,986 | $1,080,075 | $1,002,636 | $1,002,636 |
| Share Issued | $1,088,986 | $1,080,075 | $1,002,636 | $1,002,636 |
| Tangible Book Value | $5,002,042,190 | $5,121,457,874 | $1,283,756,234 | $1,204,033,438 |
| Invested Capital | $7,211,684,208 | $6,924,376,345 | $1,663,335,230 | $1,602,197,462 |
| Capital Lease Obligations | $29,963,992 | $47,906,593 | $19,973,435 | $16,204,807 |
| Total Capitalization | $7,211,684,208 | $6,924,376,345 | $1,663,335,230 | $1,602,197,462 |
| Minority Interest | $195,632 | $141,074 | $60,156 | $40 |
| Additional Paid In Capital | $540,785,416 | $472,805,128 | $11,716,059 | $11,716,059 |
| Capital Stock | $1,088,986 | $1,076,959 | $999,791 | $999,791 |
| Common Stock | $1,088,986 | $1,076,959 | $999,791 | $999,791 |
| Employee Benefits | $32,524,978 | $10,959,616 | $326,641 | $750,287 |
| Non Current Pension And Other Postretirement Benefit Plans | $32,524,978 | $10,959,616 | $326,641 | $750,287 |
| Non Current Deferred Revenue | $135,634,400 | $192,266,052 | $2,456,060 | $5,874,849 |
| Long Term Capital Lease Obligation | $29,963,992 | $47,906,593 | $19,973,435 | $16,204,807 |
| Long Term Provisions | $85,749,000 | $358,526,219 | $13,822,334 | $21,650,797 |
| Current Accrued Expenses | $2,598,164 | $8,011,965 | $53,227,641 | $38,153,119 |
| Investments And Advances | $5,427,605,459 | $5,687,485,243 | $1,757,090,998 | $2,476,208,932 |
| Available For Sale Securities | $5,418,917,459 | $5,683,839,546 | $1,755,294,145 | $2,474,801,223 |
| Net PPE | $810,524,713 | $887,861,215 | $240,853,668 | $244,525,703 |
| Accumulated Depreciation | $-785,520,633 | $-521,090,617 | $-218,953,804 | $-207,825,343 |
| Gross PPE | $1,596,045,345 | $1,196,019,983 | $459,807,471 | $452,351,046 |
| Leases | $130,136,560 | $99,546,773 | $38,965,708 | $46,010,583 |
| Construction In Progress | $9,382,467 | $23,223,335 | $6,443,814 | $1,898,286 |
| Other Properties | $728,110,533 | $574,741,997 | $226,922,052 | $223,854,229 |
| Machinery Furniture Equipment | $728,415,785 | $498,507,879 | $187,475,897 | $180,587,948 |
Fetched: 2026-07-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-1,255,143,865 | $2,932,492,662 | $3,094,374,164 | $2,563,826,680 |
| Operating Activities | ||||
| Operating Cash Flow | $-1,088,421,982 | $3,123,977,261 | $3,238,128,392 | $2,649,019,510 |
| Cash Flow From Continuing Operating Activities | $-1,088,421,982 | $3,123,977,261 | $3,238,128,392 | $2,649,019,510 |
| Operating Gains Losses | $-2,562,233,758 | $-1,098,145,990 | $-2,008,234,246 | $-826,601,778 |
| Investing Activities | ||||
| Capital Expenditure | $-166,721,884 | $-191,484,600 | $-143,754,228 | $-85,192,830 |
| Investing Cash Flow | $-151,138,394 | $771,615,118 | $-158,980,419 | $-85,972,154 |
| Cash Flow From Continuing Investing Activities | $-151,138,394 | $771,615,118 | $-158,980,419 | $-85,972,154 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $85,455,867 | $0 | $0 | - |
| Financing Cash Flow | $592,405,411 | $368,804,544 | $-446,233,629 | $123,954,904 |
| Cash Flow From Continuing Financing Activities | $592,405,411 | $368,804,544 | $-446,233,629 | $123,954,904 |
| Cash Dividends Paid | $-223,141,845 | $-548,441,047 | $-348,178,610 | $-97,755,838 |
| Common Stock Dividend Paid | $-223,141,845 | $-548,441,047 | $-348,178,610 | $-97,755,838 |
| Net Common Stock Issuance | $85,455,867 | $0 | $0 | - |
| Common Stock Issuance | $85,455,867 | $0 | $0 | - |
| Dividends Received Cfi | $2,459,930 | $4,027,853 | $1,971,419 | $0 |
| Net Other Financing Charges | - | $-873,356 | - | - |
| Other | ||||
| Repayment Of Debt | $-2,023,724,835 | $-951,578,851 | $-969,687,537 | $-433,277,240 |
| Issuance Of Debt | $2,753,816,224 | $1,869,697,798 | $871,632,518 | $654,987,983 |
| End Cash Position | $6,964,368,291 | $6,605,456,167 | $6,345,624,189 | $6,099,685,297 |
| Other Cash Adjustment Outside Changein Cash | $-1,556,166,669 | $-5,102,710,936 | $-6,319,584,804 | $-3,163,078,299 |
| Beginning Cash Position | $6,605,456,167 | $6,345,624,189 | $8,024,060,403 | $5,749,159,557 |
| Effect Of Exchange Rate Changes | $2,562,233,758 | $1,098,145,990 | $2,008,234,246 | $826,601,778 |
| Changes In Cash | $-647,154,964 | $4,264,396,924 | $2,632,914,344 | $2,687,002,260 |
| Net Issuance Payments Of Debt | $730,091,389 | $918,118,948 | $-98,055,019 | $221,710,742 |
| Net Long Term Debt Issuance | $730,091,389 | $918,118,948 | $-98,055,019 | $221,710,742 |
| Long Term Debt Payments | $-2,023,724,835 | $-951,578,851 | $-969,687,537 | $-433,277,240 |
| Long Term Debt Issuance | $2,753,816,224 | $1,869,697,798 | $871,632,518 | $654,987,983 |
| Net Business Purchase And Sale | $-1,856,274 | $953,065,918 | $-26,549,968 | $-3,574,090 |
| Sale Of Business | $0 | $955,992,584 | $0 | $0 |
| Purchase Of Business | $-1,856,274 | $-2,926,666 | $-26,549,968 | $-3,574,090 |
| Net PPE Purchase And Sale | $-151,742,050 | $-185,478,652 | $-134,401,870 | $-82,398,064 |
| Sale Of PPE | $14,979,833 | $6,005,947 | $9,352,358 | $2,794,767 |
| Purchase Of PPE | $-166,721,884 | $-191,484,600 | $-143,754,228 | $-85,192,830 |
| Taxes Refund Paid | $-240,408,653 | $-811,766,376 | $-254,704,115 | $-139,733,539 |
| Interest Paid Cfo | $-32,130,001 | - | - | - |
| Change In Working Capital | $-4,779,104,012 | $-2,519,113,015 | $-2,413,237,961 | $34,142,889 |
| Change In Other Working Capital | $3,219,070,773 | $3,985,582,678 | $-3,555,743,819 | $-685,619,145 |
| Change In Other Current Liabilities | $21,792,329 | $504,248,604 | $146,842,365 | $15,534,058 |
| Change In Other Current Assets | $-12,201,136 | $-145,508,849 | $-66,573,135 | $-15,988,353 |
| Other Non Cash Items | $4,082,704,639 | $4,658,517,449 | $6,325,691,173 | $2,910,640,288 |
| Depreciation Amortization Depletion | $206,498,475 | $167,729,119 | $163,680,646 | $128,165,425 |
| Depreciation And Amortization | $206,498,475 | $167,729,119 | $163,680,646 | $128,165,425 |
| Amortization Cash Flow | $80,443,492 | $83,724,621 | $78,692,657 | $58,385,689 |
| Amortization Of Intangibles | $80,443,492 | $83,724,621 | $78,692,657 | $58,385,689 |
| Depreciation | $126,054,983 | $84,004,497 | $84,987,989 | $69,779,737 |
| Net Foreign Currency Exchange Gain Loss | $-2,562,233,758 | $-1,098,145,990 | $-2,008,234,246 | $-826,601,778 |
| Net Income From Continuing Operations | $206,001,096 | $1,957,263,220 | $1,054,600,559 | $301,324,253 |
Fetched: 2026-07-17