Grupo Financiero Galicia S.A. logo

Grupo Financiero Galicia S.A.

GGAL

NASDAQFinancial ServicesBanks - Regional

Regular session

$42.93

+$1.48 · +3.57%

Aug 24, 12:03 PM ETData delayed

GGAL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

72

Undervalued

Momentum

64

Gaining

Sentiment

49

Mixed

Risk resilience

60

Moderate Risk

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Company profile

Company website

Grupo Financiero Galicia S.A. (GGAL) functions as a prominent financial services conglomerate, delivering an extensive array of financial solutions and products to both individual clients and corporate entities across Argentina. The company structures its diverse operations into several key segments: Banking, NaranjaX, Insurance, and other miscellaneous business ventures. Its comprehensive portfolio encompasses various deposit accounts, including savings, current, and checking options. GGAL also offers a wide spectrum of lending facilities such as personal, express, and mortgage loans, along with pledge and credit card-backed financing. Furthermore, it provides credit and debit cards, coupled with robust online banking capabilities. Beyond these core offerings, the group extends its services to include general financing and consumer credit solutions, electronic check processing, global custody, and Fima investment funds. It furnishes financial and capital market expertise—including foreign trade services and investment banking products like debt securities, short-term notes, commercial bills, and financial trusts—catering to individuals, corporations, and financial institutions alike. GGAL’s insurance division provides a broad range of coverage, including policies for robbery, personal accidents, group life, homeowners, individual life, comprehensive small and medium-sized enterprise (SME) protection, pet insurance, surety bonds, various risk policies, and technical insurance. For high-net-worth individuals, specialized private banking services are available, complemented by an innovative digital investment platform. As of December 31, 2021, the company maintained a significant physical presence, boasting 312 fully-equipped banking branches alongside an extensive network of 1,991 ATMs and self-service terminals. Founded in 1905, Grupo Financiero Galicia S.A. is headquartered in Buenos Aires, Argentina.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
AR
CEO
Fabian Enrique Kon
Listed since
Jul 25, 2000
Employees
10,032

Market position

Day range

Current $42.93

52-week range

Current $42.93

Open
$41.12
Previous close
$41.45
Volume
381.45K
0.34× average
Average volume
1.12M
Average daily volume
Market cap
6.9B USD
Beta
0.37
Market reference 1
50-day average
$49.5178
-13.30% below average
200-day average
$48.8258
-12.08% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
6.8T ARS
P/E (TTM)
126.34×
P/B (TTM)
0.23×
P/S (TTM)
0.96×
EV / EBITDA
11.18×
Earnings yield
1.69%
Free cash flow yield
0.32%
Dividend yield
4.32%

Profitability & efficiency

Gross margin
43.18%
Operating margin
0.81%
Net margin
0.76%
Return on equity
2.74%
Return on assets
0.47%
Return on invested capital
1.23%

Financial health

Debt / equity
0.42×
Current ratio
0.6×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends69%44%20%-4%Gross margin, FY2021: 56.93%Gross margin, FY2022: 50.81%Gross margin, FY2023: 49.52%Gross margin, FY2024: 62.71%Gross margin, FY2025: 45.64%Operating margin, FY2021: 10.06%Operating margin, FY2022: 5.22%Operating margin, FY2023: 8.51%Operating margin, FY2024: 20.81%Operating margin, FY2025: 2.45%Net margin, FY2021: 6.58%Net margin, FY2022: 3.87%Net margin, FY2023: 5.28%Net margin, FY2024: 15.29%Net margin, FY2025: 1.71%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 56.93%. Gross margin FY2022 50.81%. Gross margin FY2023 49.52%. Gross margin FY2024 62.71%. Gross margin FY2025 45.64%. Operating margin FY2021 10.06%. Operating margin FY2022 5.22%. Operating margin FY2023 8.51%. Operating margin FY2024 20.81%. Operating margin FY2025 2.45%. Net margin FY2021 6.58%. Net margin FY2022 3.87%. Net margin FY2023 5.28%. Net margin FY2024 15.29%. Net margin FY2025 1.71%.

Income trends

Revenue

12.42T ARS+16.86%

Operating income

303.85B ARS-86.26%

Net income

212.52B ARS-86.92%
Income trends across reported periods15.27T ARS9.78T ARS4.3T ARS−1.18T ARSRevenue, FY2021: 2.86T ARSRevenue, FY2022: 8.52T ARSRevenue, FY2023: 13.89T ARSRevenue, FY2024: 10.63T ARSRevenue, FY2025: 12.42T ARSOperating income, FY2021: 288.14B ARSOperating income, FY2022: 444.45B ARSOperating income, FY2023: 1.18T ARSOperating income, FY2024: 2.21T ARSOperating income, FY2025: 303.85B ARSNet income, FY2021: 188.62B ARSNet income, FY2022: 329.38B ARSNet income, FY2023: 734.24B ARSNet income, FY2024: 1.62T ARSNet income, FY2025: 212.52B ARSFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.86T ARS. Revenue FY2022 8.52T ARS. Revenue FY2023 13.89T ARS. Revenue FY2024 10.63T ARS. Revenue FY2025 12.42T ARS. Operating income FY2021 288.14B ARS. Operating income FY2022 444.45B ARS. Operating income FY2023 1.18T ARS. Operating income FY2024 2.21T ARS. Operating income FY2025 303.85B ARS. Net income FY2021 188.62B ARS. Net income FY2022 329.38B ARS. Net income FY2023 734.24B ARS. Net income FY2024 1.62T ARS. Net income FY2025 212.52B ARS.
Metric (ARS)FY2025FY2024FY2023FY2022FY2021
Revenue12.42T ARS10.63T ARS13.89T ARS8.52T ARS2.86T ARS
Cost of goods sold6.75T ARS3.96T ARS7.01T ARS4.19T ARS1.23T ARS
Gross profit5.67T ARS6.66T ARS6.88T ARS4.33T ARS1.63T ARS
Selling, general, and administrative2.13T ARS1.43T ARS1.13T ARS1.02T ARS444.06B ARS
Operating expenses5.36T ARS4.45T ARS5.7T ARS3.88T ARS1.34T ARS
Interest income9.68T ARS8.24T ARS10.35T ARS4.86T ARS1.76T ARS
Interest expense3.88T ARS3.1T ARS6.6T ARS3.84T ARS1.1T ARS
Depreciation and amortization304.59B ARS188.07B ARS183.53B ARS189.04B ARS87.94B ARS
Operating income303.85B ARS2.21T ARS1.18T ARS444.45B ARS288.14B ARS
Net income212.52B ARS1.62T ARS734.24B ARS329.38B ARS188.62B ARS

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$60.50

40.93% upside
Past 12 months12-month forecastHigh $92.00Average $60.50Low $36.00

GGAL peers

ETFs holding GGAL

Funds reporting this stock among their holdings, ordered by reported position size.

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