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Grupo Financiero Galicia SA (GGAL)
NASDAQ:GGAL
Earnings Data
Report Date
May 27, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.78Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
Balanced / Neutral — The call presented a mixed picture: material near-term challenges (sharp deterioration in asset quality, large provisioning and banking losses, and a 91% YoY decline in net income) were offset by strong liquidity and capital positions, solid deposit and loan growth on a yearly basis, diversified non-bank profit contributors, and management’s clear 2026 guidance (25% loan growth, 10%–11% ROE, cost-of-risk ~8%). Given the severity of recent credit deterioration but the healthy capital/liquidity buffer and credible plans for improvement, the tone is cautious but constructive.Company Guidance
Macroeconomic Stabilization and Lower Annual Inflation
Argentina GDP grew ~4.4% in 2025 and full-year inflation decelerated to 31.5% (vs 117.8% in 2024), providing a firmer macro backdrop despite monthly acceleration in H2 (Dec monthly +2.8%, Jan 2026 monthly +2.9%).
Strong Deposit and Loan Expansion (YoY)
Private sector peso deposits averaged ARS 104.1 trillion in Dec (+40.1% YoY, +10.6% qtr); time deposits +44.8% YoY. Peso-denominated loans to private sector averaged ARS 87.6 trillion (+73% YoY, +10.4% qtr); dollar-denominated loans up ~83.6% YoY.
Solid Liquidity and Capital Ratios
Liquid assets covered 93.2% of transactional deposits and 59.4% of total deposits. Total regulatory capital ratio reached 25.2% (+310 bps qtr) and Tier 1 ratio 25.1% (+330 bps qtr), indicating strong solvency.
Diversified Profit Contributors Outside the Bank
Galicia Asset Management (profit ARS 127b), Naranja X (profit contribution ARS 59b on a yearly basis), and Galicia Seguros (profit ARS 40b) materially contributed to group results and partially offset banking losses.
Quarterly Improvement in Operating Income and Net Interest Income
Operating income rose to ARS 164b in Q4 (from ARS 6b in Q3). Net interest income increased 23% qtr driven by a 7% rise in interest income and a 9% drop in interest expenses; overall yields improved (interest-earning asset yield +130 bps to 31.4%).
Clear 2026 Guidance and Efficiency Targets
Management guided to 25% loan growth for 2026 (slower H1, faster H2), ROE target 10%–11% for 2026 (low-double-digits), average margin ~16.4% for the banking business, cost-of-risk target ~8% by year-end, and efficiency ratio expected below 40%.
One-off Integration Costs Largely Behind
Management stated that merger-related one-off expenses from the HSBC acquisition are largely behind, expecting 2026 administrative expenses to fall ~10%–11% YoY excluding last year's one-offs and no similar large one-offs moving forward.
GGAL Earnings History
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 |
|---|---|---|---|
Mar 04, 2026 | $43.64 | $44.03 | +0.89% |
Nov 25, 2025 | $46.27 | $48.34 | +4.46% |
Aug 26, 2025 | $41.08 | $40.64 | -1.07% |
May 27, 2025 | $61.02 | $59.56 | -2.39% |
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 May 27, 2026, TBA (Confirmed).
What is Grupo Financiero Galicia SA (GGAL) earnings time?
Grupo Financiero Galicia SA (GGAL) earnings time is at May 27, 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?
Currently, no data Available