Grupo Financiero Galicia S.A. logo

Grupo Financiero Galicia S.A.

GGAL

NASDAQFinancial ServicesBanks - Regional

Regular session

$42.05

+$0.60 · +1.45%

Aug 24, 10:33 AM ET

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 $42.05

52-week range

Current $42.05

Open
$41.12
Previous close
$41.45
Volume
96.45K
0.09× average
Average volume
1.12M
Average daily volume
Market cap
6.75B USD
Beta
0.37
Market reference 1
50-day average
$49.5178
-15.08% below average
200-day average
$48.8258
-13.88% below average

Financials

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 USD+16.86%

Operating income

303.85B USD-86.26%

Net income

212.52B USD-86.92%
Income trends across reported periods15.27T USD9.78T USD4.3T USD−1.18T USDRevenue, FY2021: 2.86T USDRevenue, FY2022: 8.52T USDRevenue, FY2023: 13.89T USDRevenue, FY2024: 10.63T USDRevenue, FY2025: 12.42T USDOperating income, FY2021: 288.14B USDOperating income, FY2022: 444.45B USDOperating income, FY2023: 1.18T USDOperating income, FY2024: 2.21T USDOperating income, FY2025: 303.85B USDNet income, FY2021: 188.62B USDNet income, FY2022: 329.38B USDNet income, FY2023: 734.24B USDNet income, FY2024: 1.62T USDNet income, FY2025: 212.52B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.86T USD. Revenue FY2022 8.52T USD. Revenue FY2023 13.89T USD. Revenue FY2024 10.63T USD. Revenue FY2025 12.42T USD. Operating income FY2021 288.14B USD. Operating income FY2022 444.45B USD. Operating income FY2023 1.18T USD. Operating income FY2024 2.21T USD. Operating income FY2025 303.85B USD. Net income FY2021 188.62B USD. Net income FY2022 329.38B USD. Net income FY2023 734.24B USD. Net income FY2024 1.62T USD. Net income FY2025 212.52B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue12.42T USD10.63T USD13.89T USD8.52T USD2.86T USD
Cost of goods sold6.75T USD3.96T USD7.01T USD4.19T USD1.23T USD
Gross profit5.67T USD6.66T USD6.88T USD4.33T USD1.63T USD
Selling, general, and administrative2.13T USD1.43T USD1.13T USD1.02T USD444.06B USD
Operating expenses5.36T USD4.45T USD5.7T USD3.88T USD1.34T USD
Interest income9.68T USD8.24T USD10.35T USD4.86T USD1.76T USD
Interest expense3.88T USD3.1T USD6.6T USD3.84T USD1.1T USD
Depreciation and amortization304.59B USD188.07B USD183.53B USD189.04B USD87.94B USD
Operating income303.85B USD2.21T USD1.18T USD444.45B USD288.14B USD
Net income212.52B USD1.62T USD734.24B USD329.38B USD188.62B USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

12 ratings
Strong buy00%
Buy758%
Hold325%
Sell217%
Strong sell00%

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.1268

2025 complete year+843.2% since 2017

2026 partial: $0.9774

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Aug 24, 2026

$0.0482

Monthly

Record Aug 24, 2026 · Payment Aug 31, 2026

Dividend

Ex-dividend Aug 3, 2026

$0.049

Quarterly

Record Aug 3, 2026 · Payment Aug 10, 2026

Dividend

Ex-dividend May 11, 2026

$0.4109

Quarterly

Record May 11, 2026 · Payment May 29, 2026

Dividend

Ex-dividend May 4, 2026

$0.1639

Special

Record May 4, 2026 · Payment May 11, 2026

Dividend

Ex-dividend Mar 30, 2026

$0.16

Special

Record Mar 30, 2026 · Payment Apr 6, 2026

Dividend

Ex-dividend Feb 2, 2026

$0.1455

Special

Record Feb 2, 2026 · Payment Feb 9, 2026

GGAL peers

ETFs holding GGAL

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

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