The earnings call presented a mixed picture with substantial growth in loans and deposits, as well as a successful merger, but faced significant challenges with a sharp decline in net income, increased nonperforming loans, and margin compression due to interest rate volatility.

Company Guidance

During Grupo Financiero Galicia's second quarter 2025 earnings call, several key metrics were highlighted. Argentina's economy showed a robust 6.4% year-over-year growth in June, contributing to a 6.2% expansion in the first half of 2025. The country's primary surplus in the second quarter was 0.4% of GDP, with overall surplus at 0.2% of GDP due to primary revenues rising 37.7% year-over-year and primary spending increasing by 42.1%. Inflation was a focal point, with the National Consumer Price Index increasing 6% in the second quarter and 17.3% year-to-date by July. The exchange rate averaged ARS 1,181 per dollar in June, reflecting a 23.5% year-over-year devaluation. Grupo Galicia's net income for the quarter was ARS 173 billion, marking a 70% decrease from the previous year, with a 1.9% annualized return on average assets and a 9.5% return on average shareholders' equity. The bank's Tier 1 capital ratio stood at 23.2%, down from the previous year, while the loan portfolio saw significant growth, with peso-denominated loans increasing 19% quarterly and 181.7% annually. Additionally, the merger with Galicia Más boosted the bank's market share by 2.5% in both loans and deposits.

Economic Activity Growth

The Argentina economy recorded a 6.4% year-over-year increase during June, reaching an expansion of 6.2% during the first half of 2025.

Successful Merger with Galicia Más

Grupo Financiero Galicia successfully completed the merger with Galicia Más, formerly HSBC in Argentina, leading to a market share growth of around 2.5% in both loans and deposits.

Growth in Loans and Deposits

The bank's financing to the private sector increased 123% in the last 12 months, with peso financing rising 106% and dollar-denominated financing growing 181%. Deposits reached ARS 19.9 trillion, a 72% increase from the previous year.

Net Fee Income Increase

Net fee income increased by 30% from June 2024, driven by a 51% increase in income from credit card fees and a 28% rise in fees on deposits.

Grupo Financiero Galicia SA (GGAL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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GGAL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 25, 2025	2025 (Q3)	1.30 / -	1.146	―	―	―
Aug 26, 2025	2025 (Q2)	1.09 / 1.18	2.924	-59.75% (-1.75)
May 27, 2025	2025 (Q1)	0.87 / 0.78	1.612	-51.55% (-0.83)
Feb 28, 2025	2024 (Q4)	1.26 / 3.40	0.87	291.38% (+2.53)
Nov 05, 2024	2024 (Q3)	1.90 / 1.15	0.875	30.97% (+0.27)	―
Aug 22, 2024	2024 (Q2)	2.06 / 2.92	1.489	96.37% (+1.43)		―
May 23, 2024	2024 (Q1)	1.18 / 1.61	0.612	163.40% (+1.00)
Mar 04, 2024	2023 (Q4)	0.52 / 0.87	0.53	64.15% (+0.34)
Nov 21, 2023	2023 (Q3)	1.03 / 0.88	0.403	117.12% (+0.47)	―	―
Aug 23, 2023	2023 (Q2)	1.12 / 1.49	0.252	490.87% (+1.24)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GGAL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 26, 2025	$41.84	$41.39	-1.08%
May 27, 2025	$62.15	$60.66	-2.40%
Feb 28, 2025	$54.87	$56.57	+3.10%
Nov 05, 2024	$51.16	$51.20	+0.08%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Grupo Financiero Galicia SA (GGAL) report earnings?

Grupo Financiero Galicia SA (GGAL) is schdueled to report earning on Nov 25, 2025, TBA (Confirmed).

What is Grupo Financiero Galicia SA (GGAL) earnings time?

Grupo Financiero Galicia SA (GGAL) earnings time is at Nov 25, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is GGAL EPS forecast?

GGAL EPS forecast for the fiscal quarter 2025 (Q3) is 1.3.

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