Grupo Financiero Galicia/$GGAL
1D1W1M3M6MYTD1Y5YMAX
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
$5.1B
851.79
$0.04
0.32
$1.46
4.87%
Price and volume
Market cap
$5.1B
Beta
0.32
52-week high
$58.14
52-week low
$29.26
Average daily volume
1.1M
Dividend rate
$1.46
Financial strength
Dividend payout ratio (TTM)
608.77%
Profitability
Net profit margin (TTM)
2.14%
Operating margin (TTM)
2.55%
Effective tax rate (TTM)
17.08%
Revenue per employee (TTM)
$375,790
Management effectiveness
Return on assets (TTM)
0.31%
Return on equity (TTM)
1.68%
Valuation
Price to earnings (TTM)
851.791
Price to revenue (TTM)
12.744
Price to book
0.86
Price to tangible book (TTM)
0.9
Price to free cash flow (TTM)
-8.037
Free cash flow yield (TTM)
-12.44%
Free cash flow per share (TTM)
-3.722
Dividend yield (TTM)
4.87%
Growth
Revenue change (TTM)
-13.13%
Earnings per share change (TTM)
-94.30%
3-year revenue growth (CAGR)
11.96%
3-year earnings per share growth (CAGR)
-44.08%
10-year earnings per share growth (CAGR)
30.05%
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, with annualised ROE reaching 11.3%. Lower funding costs and stronger returns on government securities helped the group recover from a weak first quarter. (Bloomberg Línea)
The HSBC integration is improving operating efficiency: bank expenses fell 15% year on year in the second quarter. Management expects further savings, which could help offset pressure on lending margins. (StockTitan)
Argentina’s shallow credit market leaves room for longer-term growth if economic conditions become more predictable. Galicia also reports gaining market share in private-sector lending and deposits, while targeting commercial lending linked to oil and gas. (Clarín, MarketBeat)
Credit quality has deteriorated sharply: the group’s non-performing loan ratio reached 10.6% in June, up from 5.5% a year earlier. That raises the risk of further credit losses if household repayment capacity does not improve. (Bloomberg Línea)
Loan growth is subdued, and management cut its 2026 growth outlook to 10–15%, with most expansion expected in dollars while peso lending remains weak. This limits the group’s ability to grow earnings through its core lending business. (Seeking Alpha)
Management expects margins to remain under pressure as inflation and interest rates fall, while dollar loans carry much lower margins than peso loans. A shift towards dollar lending could therefore restrain profitability even if loan volumes pick up. (Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 26 Oct 2026.
GGAL Financial Performance
Revenues and expenses
GGAL Earnings Performance
Company profitability
Upcoming events
No upcoming events
GGAL News
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