YOLFTbeta
Grupo Financiero Galicia SA ADR

Grupo Financiero Galicia SA ADR

GGAL · NASDAQ · Financial Services / Banks - Regional

29.75USD+0.71 (+2.44%)

Price History

Full chart

Market Stats

Previous Close29.04
Open28.95
Day Range28.62 – 30.07
52-Week Range25.08 – 60.30
Volume891.90K
Market Cap6.71B
P/E (TTM)113.11
Forward P/E3.31
EPS0.35
Dividend Yield4.47%
Beta0.28
50-Day Avg45.61
200-Day Avg47.78

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Fabian Enrique Kon
  • Employees9.44K
  • HeadquartersTeniente General Juan D. PerOn 430, Buenos Aires, Argentina, C1038 AAJ, USA
  • Websitehttps://www.gfgsa.com

Leadership

  • Mr. Fabian Enrique KonGM & CEO
  • Mr. Gonzalo Javier Fernández CovaroChief Financial Officer
  • Mr. Jose Luis Ronsini CPAChief Administrative Officer · b. 1971
  • Mr. Pablo Eduardo FirvidaChief Investor Relations Officer · b. 1967
  • Esteban TresserrasChief Legal Officer
  • Mr. Falvio DoglioloChief Human Resources Officer
  • Mr. Adrian Enrique PedemonteHead of Market Relations
  • Mr. Adrian Enrique PedemonteHead of Market Relations
  • Mr. Ezequiel VallsChief Risk Officer
  • Constanza GorleriChief Sustainability Officer

Financials

Income Statement

Currency: ARS2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue653.23M2.48B2.05B6.58B2.45B3.33B3.37B2.20B3.21B4.23B4.56B7.11B9.63B17.86B26.56B34.90B49.26B148.13B112.10B509.95B865.71B2.86T8.52T13.89T10.63T12.42T
Growth (%)-+280.24%-17.43%+220.77%-62.70%+35.79%+1.24%-34.93%+46.19%+31.92%+7.61%+55.95%+35.54%+85.40%+48.76%+31.39%+41.15%+200.71%-24.32%+354.90%+69.76%+230.88%+197.43%+63.09%-23.52%+16.86%
Cost of Revenue-1.42B1.83B6.16B1.37B1.92B1.96B476.89M527.21M537.93M-847.02M-2.41B1.03B6.72B10.88B13.36B20.09B49.40B-13.62B242.66B368.25B1.23T4.19T7.01T3.96T6.75T
Gross Profit653.23M1.06B2.05B414.14M1.09B1.41B1.41B2.20B3.21B4.23B4.56B7.11B9.63B11.14B15.69B21.53B29.17B98.73B112.10B267.29B497.46B1.63T4.33T6.88T6.66T5.67T
Gross Margin100.00%42.73%100.00%6.30%44.25%42.33%41.91%100.00%100.00%100.00%100.00%100.00%100.00%62.37%59.05%61.71%59.22%66.65%100.00%52.41%57.46%56.93%50.81%49.52%62.71%45.64%
Operating Expense510.94M869.00M278.41M3.17B1.15B1.28B1.34B2.08B2.96B3.85B3.89B5.24B7.51B8.08B10.36B14.40B19.80B75.78B106.35B184.77B361.34B1.34T3.88T5.70T4.45T5.36T
Operating Income142.28M192.24M1.77B-2.76B-66.56M126.49M75.22M117.55M250.83M385.27M667.09M1.86B2.13B3.06B5.33B7.14B9.37B22.95B5.75B82.51B136.13B288.14B444.45B1.18T2.21T303.85B
Operating Margin21.78%7.74%86.43%-41.88%-2.71%3.80%2.23%5.35%7.82%9.10%14.64%26.19%22.07%17.11%20.07%20.46%19.02%15.49%5.13%16.18%15.72%10.06%5.22%8.51%20.81%2.45%
EBITDA176.24M274.22M2.01B-2.52B170.56M346.07M168.03M332.21M412.10M626.80M756.67M1.87B2.24B3.21B5.50B7.36B9.67B25.16B6.94B92.92B160.48B376.09B633.50B1.37T2.40T608.44B
EBITDA Margin26.98%11.04%97.77%-38.34%6.95%10.38%4.98%15.13%12.84%14.80%16.61%26.37%23.29%17.97%20.72%21.08%19.63%16.99%6.19%18.22%18.54%13.13%7.44%9.83%22.58%4.90%
Net Income89.91M120.06M-2.82B-2.82B-110.72M107.19M-18.89M46.04M176.82M229.28M408.90M1.11B1.34B1.82B3.34B4.34B6.02B10.45B-4.88B48.72B74.01B188.62B329.38B734.24B1.62T212.52B
Net Income Margin13.76%4.83%-137.56%-42.88%-4.51%3.22%-0.56%2.10%5.51%5.42%8.97%15.58%13.87%10.21%12.57%12.43%12.22%7.06%-4.36%9.55%8.55%6.58%3.87%5.28%15.29%1.71%
R&D--------------000000------
R&D as % of Total Revenue--------------0.00%0.00%0.00%0.00%0.00%0.00%------
Interest Expense442.79M964.90M4.53B4.53B1.18B1.85B1.85B1.25B1.42B1.46B1.08B1.82B3.04B4.99B8.55B11.02B16.94B38.18B38.36B197.38B267.75B1.10T3.84T6.60T3.10T3.88T
Interest Expense % of Total Revenue67.79%38.85%220.77%68.82%47.94%55.37%54.81%56.79%44.28%34.49%23.74%25.58%31.55%27.95%32.20%31.58%34.39%25.77%34.22%38.71%30.93%38.42%45.01%47.49%29.17%31.25%

Balance Sheet

Currency: ARS2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets16.74B12.65B23.73B23.73B23.83B25.62B23.58B22.83B24.74B27.60B35.71B51.19B63.46B83.16B107.31B161.75B242.25B489.64B565.25B664.13B1.06T1.68T3.37T10.28T32.52T45.67T
Total Liabilities15.31B11.13B22.02B22.02B22.19B23.85B21.81B20.96B22.64B25.26B32.86B47.64B58.59B76.21B97.07B147.26B220.44B422.16B508.65B566.71B878.09B1.38T164.09B8.27T26.45T37.91T
Total Equity1.32B1.41B1.71B1.63B1.53B1.63B1.61B1.65B1.85B2.05B2.47B3.55B4.87B6.95B10.25B14.48B20.35B64.52B56.60B97.42B179.86B302.57B3.21T2.02T6.06T7.76T
Cash620.07M517.30M572.72M572.72M996.31M1.04B2.29B2.96B3.41B3.70B5.65B6.42B8.35B3.09B9.11B30.84B17.27B42.82B143.31B130.82B175.42B237.43B447.54B-1.93T3.76T9.37T
Total Debt1.38B159.86M5.61B5.61B3.95B3.70B3.86B3.05B3.12B2.27B1.25B6.39B7.00B8.66B10.58B15.20B15.22B70.22B59.20B88.08B52.56B77.96B157.72B491.99B2.16T3.60T
Net Debt764.83M-357.44M5.04B5.04B2.95B2.66B1.57B85.48M-283.48M-1.42B-4.39B-29.01M-1.35B5.57B1.48B-27.53B-2.05B27.39B-84.11B-63.36B-122.86B-159.47B-289.82B2.42T-203.15B-5.77T

Cash Flow

Currency: ARS2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow534.89M1.17B-929.60M-929.60M-222.60M1.38B3.54B2.45B888.56M1.46B872.20M431.99M1.68B3.50B7.51B15.62B25.01B-43.48B23.89B-48.43B183.75B282.81B580.22B6.22T-2.70T-1.61T
Investing Cash Flow-688.52M1.58B-2.60B-242.05M-942.92M688.34M-1.72B1.06B-1.53B-363.33M-273.38M-309.00M-437.27M-494.94M-1.12B-1.48B-5.95B-5.52B-7.10B-6.78B-9.02B-58.23B-178.26B939.32B-12.54T
Financing Cash Flow147.85M-2.85B-1.54B-1.54B623.11M-41.34M-1.30B-2.00B-1.07B517.86M-495.94M2.37B-673.39M412.26M-1.30B-1.53B2.66B20.60B16.41B-9.47B-35.11B8.43B23.05B-500.34B413.52B873.80B
Capital Expenditure51.63M192.76M63.82M63.82M120.13M108.86M182.23M287.62M403.08M282.55M104.58M165.15M241.68M258.16M284.12M740.31M900.53M5.01B5.67B5.52B7.12B9.94B18.53B72.64B214.70B286.50B
Free Cash Flow483.26M974.47M-993.42M-993.42M-342.73M1.27B3.36B2.16B485.48M1.18B2.66B266.84M1.43B3.24B7.23B14.88B24.11B-48.50B18.22B-53.95B176.63B272.87B561.69B1.59T-2.92T40.27B
Dividends Paid8.15M37.13M-----1.75M1.40M10.73M10.88M45.14M33.92M24.35M38.59M100.00M150.00M859.18M2.49B2.00B2.04B1.93B25.17B179.28B614.94B383.46B
FCF to OCF90.35%83.49%106.87%106.87%153.97%92.11%94.86%88.26%54.64%80.71%304.79%61.77%85.58%92.61%96.22%95.26%96.40%111.53%76.25%111.40%96.12%96.48%96.81%25.63%107.95%-2.51%
Dividend Paid to FCF1.69%3.81%-----0.08%0.29%0.91%0.41%16.92%2.37%0.75%0.53%0.67%0.62%-1.77%13.65%-3.71%1.15%0.71%4.48%11.25%-21.08%952.24%

Earnings

Report DateMay 9, 2001Aug 7, 2001Nov 7, 2001Mar 4, 2004Nov 11, 2004Feb 16, 2005Feb 6, 2006Jun 6, 2006Aug 9, 2006Nov 10, 2006May 10, 2007Aug 9, 2007Nov 12, 2007Feb 14, 2008May 9, 2008Aug 7, 2008Nov 11, 2008Feb 13, 2009May 11, 2009Aug 10, 2009Nov 10, 2009Feb 16, 2010May 12, 2010Aug 10, 2010Nov 10, 2010Feb 16, 2011May 13, 2011Aug 12, 2011Nov 9, 2011Feb 16, 2012May 10, 2012Aug 13, 2012Nov 13, 2012Feb 15, 2013May 10, 2013Aug 8, 2013Nov 8, 2013Feb 18, 2014May 8, 2014Aug 8, 2014Nov 10, 2014Feb 13, 2015May 8, 2015Aug 7, 2015Nov 10, 2015Feb 12, 2016May 10, 2016Aug 10, 2016Nov 9, 2016Feb 14, 2017May 10, 2017Aug 8, 2017Nov 10, 2017Feb 8, 2018May 24, 2018Aug 17, 2018Nov 28, 2018Mar 8, 2019May 8, 2019Aug 12, 2019Nov 11, 2019Feb 20, 2020Jun 10, 2020Aug 26, 2020Nov 24, 2020Mar 9, 2021May 26, 2021Aug 26, 2021Nov 22, 2021Feb 16, 2022May 17, 2022Aug 23, 2022Nov 22, 2022Mar 7, 2023May 24, 2023Aug 23, 2023Nov 22, 2023Mar 6, 2024Apr 26, 2024Aug 28, 2024Nov 5, 2024Mar 6, 2025May 28, 2025Aug 26, 2025Nov 25, 2025Mar 5, 2026May 27, 2026Aug 25, 2026
EPS Estimate0.420.440.38-0.29-0.020.00--0.02--0.080.050.060.18-0.100.090.06-0.060.060.020.080.130.220.250.420.490.510.520.360.530.640.560.600.520.480.590.660.550.580.820.780.730.720.670.710.730.720.770.830.830.870.881.020.900.640.700.731.061.041.010.990.880.640.470.410.481.030.500.460.591.180.290.300.680.610.410.580.670.991.851.381.130.270.471.040.90
EPS Actual0.460.440.32-0.19-0.09-0.100.07-0.040.140.09-0.050.130.360.110.090.110.160.070.210.080.110.100.110.100.250.380.450.480.520.660.510.590.590.590.460.530.730.640.800.640.840.780.830.790.950.650.730.720.780.880.790.800.970.960.850.660.760.841.391.471.361.060.840.590.470.230.150.620.630.570.300.250.460.900.521.121.032.691.350.311.154.100.780.79-0.38-0.370.301.14
Surprise9.52%0.00%-15.79%34.48%-350.00%---600.00%-37.50%160.00%500.00%-38.89%-10.00%77.78%16.67%-33.33%83.33%400.00%37.50%-23.08%13.64%52.00%7.14%-2.04%1.96%26.92%41.67%11.32%-7.81%5.36%-23.33%1.92%52.08%8.47%21.21%16.36%44.83%-4.88%6.41%8.22%31.94%-2.99%2.82%-1.37%8.33%14.29%-4.82%-3.61%11.49%9.09%-16.67%-26.67%18.75%20.00%90.41%38.68%30.77%4.95%-15.15%-32.95%-26.56%-51.06%-63.41%29.17%-38.84%14.00%-34.78%-57.63%-61.02%210.34%73.33%64.71%68.85%562.34%132.76%-53.73%16.16%121.62%-43.48%-30.09%-240.74%-178.72%-71.32%26.67%
Timing----After-hoursAfter-hours----After-hoursAfter-hoursPre-marketPre-market-After-hoursPre-marketPre-market-After-hoursPre-marketPre-market-After-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-market-Pre-market

Key Statistics & Ratios

Market Cap6.71B
Enterprise Value341.60B
Trailing P/E113.11
Forward P/E3.31
PEG Ratio0.18
Price / Sales0.00
Price / Book1.12
EPS0.35
Book Value3.79
Revenue (TTM)5.89T
Gross Profit (TTM)5.66T
Profit Margin1.50%
Operating Margin17.32%
Return on Equity1.09%
Return on Assets0.20%
Shares Outstanding132.50M
Shares Float837.31M
Beta0.28
Dividend Yield4.47%
Dividend Rate1.79
Payout Ratio111.56%

Analyst Ratings

Strong Buy
Based on 5 analystsTarget 67.37
  • Strong Buy
    3
  • Buy
    2

Ownership Breakdown

Institutions
25.50%
Insiders
0.03%
Retail / Other
74.47%

Top Institutional Holders

  • Westwood Global Investments LLC
    5.58M3.47%
  • Aquamarine Financial (Cayman) Ltd
    3.52M2.19%
  • T. Rowe Price Associates, Inc.
    1.77M1.10%
  • Mak Capital One LLC
    1.43M0.89%
  • Morgan Stanley - Brokerage Accounts
    1.40M0.87%
  • Carrhae Capital LLP
    1.36M0.85%
  • PointState Capital LP
    1.30M0.81%
  • Driehaus Capital Management LLC
    1.07M0.66%
  • Inca Investments, LLC
    1.07M0.66%
  • MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.
    1.06M0.66%
  • Discovery Capital Management LLC
    917.93K0.57%
  • Redwheel Asset Management LLP
    853.45K0.53%
  • Ping Capital Management, Inc.
    832.40K0.52%
  • UBS Group AG
    702.33K0.44%
  • Millennium Management LLC
    676.40K0.42%
  • Sagil Capital LLP
    658.63K0.41%
  • Kora Management LP
    657.33K0.41%

Top Fund Holders

  • Global X MSCI Argentina ETF
    1.05M0.65%
  • Redwheel Next Gen Em Mkts Eq I USD Acc
    690.05K0.43%
  • Eaton Vance Emerg & Frntr Countrs Eq I
    589.38K0.37%

Dividends

20267×
0.05Aug 24, 20260.05Aug 3, 20260.62May 11, 20260.16May 4, 20260.16Mar 30, 20260.15Mar 2, 20260.15Feb 2, 2026
20257×
0.14Dec 29, 20250.14Dec 1, 20250.14Nov 3, 20250.14Sep 30, 20250.15Aug 29, 20250.15Jul 29, 20250.27Jun 3, 2025
20244×
0.72Aug 19, 20240.66Jul 26, 20240.70Jun 21, 20240.29Jun 10, 2024
20236×
0.12Sep 22, 20230.14Aug 24, 20230.16Jul 28, 20230.17Jul 10, 20230.45May 31, 20230.08Jan 27, 2023