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Grupo Financiero Galicia SA (GGAL)
NASDAQ:GGAL
US Market
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Grupo Financiero Galicia SA (GGAL) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Mar 10, 2026
TBA (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.79
Last Year’s EPS
3.41
Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Nov 25, 2025|
% Change Since:
|
Earnings Call Sentiment|Negative
The earnings call highlighted economic growth and improvements in inflation and private sector deposits. However, it was overshadowed by significant net losses, devaluation, interest rate volatility, and increased nonperforming loans, primarily due to restructuring expenses and challenges in asset quality.
Company Guidance
During the third quarter of 2025, Grupo Financiero Galicia reported a net loss of ARS 87.7 billion, largely due to extraordinary restructuring expenses of ARS 105.3 billion associated with the merger with HSBC, which significantly impacted the financial results. Banco Galicia alone accounted for ARS 101.1 billion of these extraordinary expenses. The company's return on average assets was negative 0.8%, and the return on average shareholders' equity was negative 4.7% for the quarter. Despite these challenges, the firm maintained a robust liquidity position, with deposits reaching ARS 22.9 trillion, an 8% increase from the previous quarter, and a market share of 16.4% in private sector deposits. The bank's total regulatory capital ratio stood at 22.1%, while the Tier 1 ratio was 21.8%. Looking ahead, the company anticipates a recovery in 2026, projecting a return on equity (ROE) in the range of 11% to 12%, driven by improved margins and asset quality. The bank also expects to see a peak in nonperforming loans by March 2026, with subsequent improvement as new, higher-quality lending portfolios gain traction.
Economic Growth in Argentina
The Argentine economy recorded a 5% year-over-year increase during September 2025, with a year-to-date economic expansion of 5.2%.
Primary Surplus Achievement
The primary surplus reached 0.5% of GDP in the third quarter, with an overall surplus of 0.1% of GDP, driven by revenues increasing by 32.8% year-over-year.
Improvement in Inflation Rates
Headline inflation was 2.1% in September and 2.3% in October, marking the lowest level since July 2018, with a 31.3% increase over the last 12 months.
Increase in Private Sector Deposits
Private sector deposits in pesos increased by 5.6% during the quarter and 53% over the last 12 months, while dollar-denominated deposits rose by 7.2% during the quarter and 38.9% over the last 12 months.
Projected Improvement in ROE
The company expects an improvement in ROE, aiming for 11% to 12% in 2026 and a target of above 15% in the longer term.

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

GGAL Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Mar 10, 2026
2025 (Q4)
0.79 / -
3.405
Nov 25, 2025
2025 (Q3)
0.48 / 0.41
1.146-64.49% (-0.74)
Aug 26, 2025
2025 (Q2)
1.09 / 0.89
2.924-69.46% (-2.03)
May 27, 2025
2025 (Q1)
0.87 / 0.78
1.612-51.55% (-0.83)
Feb 28, 2025
2024 (Q4)
1.26 / 3.40
0.87291.38% (+2.53)
Nov 05, 2024
2024 (Q3)
1.90 / 1.15
0.87530.97% (+0.27)
Aug 22, 2024
2024 (Q2)
2.06 / 2.92
1.48996.37% (+1.43)
May 23, 2024
2024 (Q1)
1.18 / 1.61
0.612163.40% (+1.00)
Mar 04, 2024
2023 (Q4)
0.52 / 0.87
0.5364.15% (+0.34)
Nov 21, 2023
2023 (Q3)
1.03 / 0.88
0.403117.12% (+0.47)
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
Nov 25, 2025
$46.68$48.76+4.46%
Aug 26, 2025
$41.44$41.00-1.06%
May 27, 2025
$61.55$60.08-2.39%
Feb 28, 2025
$54.34$56.03+3.11%
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 Mar 10, 2026, TBA (Confirmed).
    What is Grupo Financiero Galicia SA (GGAL) earnings time?
    Grupo Financiero Galicia SA (GGAL) earnings time is at Mar 10, 2026, 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 (Q4) is 0.79.
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