Grupo Financiero Galicia/$GGAL
1D1W1MYTD1Y5YMAX
Capital at risk
About Grupo Financiero Galicia
Grupo Financiero Galicia SA is a financial service holding company. It provides general banking services, proprietary brand credit card services, personal loans, insurance, and other services. The company's operating business segments are Banks, Ecosistema Naranja X, Insurance, Adjustments, and Other Businesses. The company generates maximum revenue from Banks. Geographically its operate in Argentina, Uruguay, and the majority of its revenue comes from Argentina.
- Ticker
- $GGAL
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 10,032
- Headquarters
- Buenos Aires, Argentina
- Website
- www.gfgsa.com
GGAL Metrics
BasicAdvanced
$6.7B
1,110.12
$0.04
0.32
$1.68
4.25%
Price and volume
Market cap
$6.7B
Beta
0.32
52-week high
$62.52
52-week low
$26.06
Average daily volume
821K
Dividend rate
$1.68
Financial strength
Dividend payout ratio (TTM)
608.77%
Profitability
Net profit margin (TTM)
2.14%
Operating margin (TTM)
2.55%
Effective tax rate (TTM)
-2.84%
Revenue per employee (TTM)
$381,660
Management effectiveness
Return on assets (TTM)
0.20%
Return on equity (TTM)
1.09%
Valuation
Price to earnings (TTM)
1,110.117
Price to revenue (TTM)
15.482
Price to book
1.12
Price to tangible book (TTM)
1.17
Price to free cash flow (TTM)
-10.474
Free cash flow yield (TTM)
-9.55%
Free cash flow per share (TTM)
-3.78
Dividend yield (TTM)
4.25%
Growth
Revenue change (TTM)
-13.13%
Earnings per share change (TTM)
-90.95%
3-year revenue growth (CAGR)
14.61%
3-year earnings per share growth (CAGR)
-44.08%
10-year earnings per share growth (CAGR)
35.73%
What the Analysts think about GGAL
Analyst ratings (Buy, Hold, Sell) for Grupo Financiero Galicia stock.
Analyst projections of the future price of Grupo Financiero Galicia stock.
Bulls say / Bears say
Second-quarter net income rose 12% year on year to Ps.258.3bn, while annualised ROE reached 11.3%. Lower funding costs, better returns on government securities and reduced provisions helped the rebound. (Grupo Financiero Galicia, Bloomberg Línea)
The HSBC Argentina integration is starting to deliver operating leverage. The efficiency ratio improved to 35% in the second quarter, and management expects full-year costs to fall 11% year on year as branch and headcount restructuring benefits continue. (Grupo Financiero Galicia, MarketBeat)
A more stable backdrop could support the next lending cycle. Management forecasts 10%–15% loan growth in 2026, mainly from dollar commercial lending, while Argentina’s inflation is easing and private-sector credit is expanding. (MarketBeat, BBVA Research)
Credit quality has deteriorated sharply. The group’s non-performing-loan ratio rose to 10.6% from 5.5% a year earlier; Banco Galicia reached 8.3%, while Naranja X reached 19.7% and group coverage fell to 93.3%. (Grupo Financiero Galicia, Bloomberg Línea)
The quarterly rebound masks a weaker first half. Six-month profit was down 25% year on year, loan demand remained subdued, and management expects pressure on net interest margins as inflation and interest rates decline. (Bloomberg Línea, MarketBeat)
Data summarised monthly by Lightyear AI. Last updated on 25 Sept 2026.
GGAL Financial Performance
Revenues and expenses
GGAL Earnings Performance
Company profitability
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