Grupo Financiero Galicia SA (GGAL) AI Stock Analysis

• Market Cap: $9.15B
• Dividend Yield: 1.82%
• Average Volume (3M): 1.01M
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.61
• Revenue Growth: -36.51%
• EPS Growth: -39.66%
• Country: US
• Employees: 9,183
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 132,503,200
• 10 Day Avg. Volume: 674,327
• 30 Day Avg. Volume: 1,012,028
• PEG Ratio: 0.05
• Price to Book (P/B): 1.69
• Price to Sales (P/S): 0.96
• P/FCF Ratio: -3.51
• Enterprise Value/Market Cap: 14.97
• Enterprise Value/Revenue: 0.01
• Enterprise Value/Gross Profit: 0.02
• Enterprise Value/Ebitda: 0.10
• 1Y Price Target: $60.38
• Price Target Upside: 7.21% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $58.00 ▲(2.98% Upside)

Grupo Financiero Galicia SA's overall stock score is driven by strong valuation metrics and positive technical indicators, suggesting potential upside. However, financial performance is mixed with strong revenue growth offset by cash flow challenges. The recent earnings call highlighted significant restructuring expenses and economic volatility, which weigh on the score. The company's projected recovery in 2026 offers a positive outlook, but current risks remain.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust business expansion and effective market penetration, supporting long-term financial health.

Market Position

A strong market position in loans and deposits enhances competitive advantage, ensuring sustained customer base and revenue streams.

Management Change

New leadership can drive strategic initiatives and operational improvements, potentially enhancing the company's market position.

Negative Factors

Cash Flow Challenges

Negative cash flow growth raises concerns about liquidity and financial flexibility, potentially affecting long-term stability.

Nonperforming Loans

Rising nonperforming loans indicate asset quality issues, which can lead to increased provisioning and impact profitability.

Restructuring Costs

High restructuring costs can strain financial resources and delay profitability improvements, affecting short to medium-term performance.

Grupo Financiero Galicia SA Business Overview & Revenue Model

Company Description

Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Banks, NaranjaX, Insurance, and Other Businesses segments. The company's products and services cover savings, current, and checking accounts; personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services. It also offers financing products and services; consumer finance services; electronic check; global custody services; Fima funds; financial and stock market services to individuals, companies, and financial institutions; foreign trade services; and capital market and investment banking products that include debt securities, short-term securities, bills, and financial trusts. In addition, the company provides robbery, personal accident, life collective, home, life, integral pyme, pet, surety, various risks, and technical insurance products. Further, it offers private banking services to high net worth individuals; and operates digital investment platform. As of December 31, 2021, it had 312 full service banking branches; and 1,991 ATMs and self-service terminals. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

How the Company Makes Money

Grupo Financiero Galicia generates revenue through multiple key streams, primarily from interest income on loans and financial products offered to its customers. The bank earns interest from personal and corporate loans, credit card receivables, and mortgages, which constitute a significant portion of its revenue. Additionally, service fees from account maintenance, transaction fees, and commissions on the sale of investment products contribute to its earnings. The company also engages in investment banking activities, which include underwriting and advisory services, adding another layer to its revenue generation. Partnerships with various financial institutions and businesses enhance its product offerings and customer base, thus creating synergies that further support its earnings potential.

Grupo Financiero Galicia SA Financial Statement Overview

Summary

Grupo Financiero Galicia SA shows strong revenue growth and efficient cost management, contributing to a solid income statement performance. The balance sheet reflects prudent leverage management and strong return on equity, though some metrics are missing for a full assessment. Cash flow analysis reveals challenges in cash generation, which could impact future financial flexibility. Overall, the company is on a growth trajectory but needs to address cash flow issues to sustain long-term stability.

Income Statement

Grupo Financiero Galicia SA demonstrates strong revenue growth in the TTM period with a 155.1% increase, indicating robust business expansion. The gross profit margin is healthy at 73.8%, showcasing efficient cost management. However, the net profit margin slightly decreased to 14.96% from 15.29% in the previous year, suggesting some pressure on profitability. The EBIT and EBITDA margins remain stable, reflecting consistent operational performance.

Balance Sheet

The company's debt-to-equity ratio improved to 0.32 in the TTM period, indicating a prudent approach to leveraging. Return on equity is strong at 19.87%, reflecting effective use of shareholder funds. However, the equity ratio is not explicitly provided, which limits a comprehensive assessment of financial stability.

Cash Flow

The free cash flow growth rate is negative at -159.82% in the TTM period, raising concerns about cash generation capabilities. The operating cash flow to net income ratio is negative, indicating potential issues in converting earnings into cash. However, the free cash flow to net income ratio is positive at 1.06, suggesting that free cash flow still covers net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.34T	10.63T	13.89T	8.52T	2.86T	865.71B
Gross Profit	5.71T	6.66T	6.88T	4.33T	1.63T	497.46B
EBITDA	1.35T	2.40T	1.37T	633.50B	376.09B	160.48B
Net Income	915.98B	1.62T	734.24B	329.38B	188.62B	74.01B
Balance Sheet
Total Assets	42.00T	32.52T	10.22T	10.49T	3.27T	1.59T
Cash, Cash Equivalents and Short-Term Investments	8.69T	3.76T	2.00T	627.91B	462.49B	307.79B
Total Debt	2.72T	2.16T	465.73B	491.26B	160.31B	85.89B
Total Liabilities	34.90T	26.45T	8.20T	8.59T	2.68T	1.32T
Stockholders Equity	7.09T	6.06T	2.02T	1.90T	593.09B	275.22B
Cash Flow
Free Cash Flow	3.62T	-2.92T	1.59T	1.74T	-302.46B	519.33B
Operating Cash Flow	3.88T	-2.70T	6.22T	1.79T	-281.92B	540.28B
Investing Cash Flow	827.76B	939.32B	-178.26B	-137.68B	-17.57B	-19.94B
Financing Cash Flow	-1.84T	413.52B	-500.34B	83.96B	51.13B	-103.22B

Grupo Financiero Galicia SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 56.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GGAL, the sentiment is Positive. The current price of 56.32 is above the 20-day moving average (MA) of 52.85, above the 50-day MA of 52.78, and above the 200-day MA of 48.53, indicating a bullish trend. The MACD of 1.32 indicates Negative momentum. The RSI at 61.51 is Neutral, neither overbought nor oversold. The STOCH value of 47.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GGAL.

Grupo Financiero Galicia SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SUPV	74 Outperform	$1.11B	62.18	2.35%	1.54%	-50.96%	-89.23%
GGAL	71 Outperform	$9.15B	10.28	17.93%	1.82%	-36.51%	-39.66%
BSAC	69 Neutral	$15.32B	13.59	24.13%	4.29%	12.43%	56.30%
BBAR	69 Neutral	$3.80B	16.40	10.17%	0.80%	-39.57%	-49.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BMA	65 Neutral	$6.07B	22.04	7.66%	2.37%	-55.81%	-78.94%
AVAL	60 Neutral	$4.87B	11.44	9.69%	3.03%	-6.62%	111.94%

Grupo Financiero Galicia SA Corporate Events

Grupo Financiero Galicia Subsidiary Pays Seventh FY 2024 Dividend Installment

On December 30, 2025, Grupo Financiero Galicia announced that its main subsidiary, Banco de Galicia y Buenos Aires S.A., made available the seventh installment of a cash dividend linked to results for the fiscal year ended December 31, 2024. The payment totals ARS 38.37 billion, is distributed in proportion to each shareholder’s stake, and was authorized by the Argentine Central Bank, underscoring the bank’s continued profitability and regulatory approval to return capital. The distribution is subject to a 7% Argentine income tax withholding, which is relevant for investors’ net proceeds, and the installment follows a predefined dividend payment schedule, signaling ongoing execution of the bank’s capital distribution policy.

The most recent analyst rating on (GGAL) stock is a Buy with a $58.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Faces Class Action Lawsuit Over Tax Practices

On December 12, 2025, Grupo Financiero Galicia S.A. announced that its main subsidiary, Banco de Galicia y Buenos Aires S.A., has been notified of a class action lawsuit. The lawsuit challenges the bank’s application of the ‘Inclusive and Supportive Argentina’ tax and related withholdings. The bank is currently analyzing the lawsuit’s implications, but anticipates that an unfavorable outcome would not significantly affect its shareholders’ equity.

The most recent analyst rating on (GGAL) stock is a Buy with a $58.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces December 2025 Cash Dividend

On December 2, 2025, Grupo Financiero Galicia S.A. announced the issuance of a cash dividend amounting to Ps. 37,446,115,300.47, which will be available to shareholders registered by December 5, 2025, starting from December 11, 2025. This decision, authorized during the Ordinary Shareholders’ Meeting on April 29, 2025, reflects the company’s commitment to returning value to its shareholders and could positively impact its market positioning and shareholder relations.

The most recent analyst rating on (GGAL) stock is a Buy with a $58.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces December 2025 Dividend Payment

On December 2, 2025, Grupo Financiero Galicia S.A. announced the payment of cash dividends to its shareholders, as decided in the shareholders’ meeting on April 29, 2025. The dividends, amounting to Ps. 37,446,115,300.47, will be distributed to shareholders registered by December 5, 2025, with payments commencing on December 11, 2025. The distribution is subject to applicable taxes, including a 7% withholding tax under Argentine law. This move reflects the company’s commitment to returning value to its shareholders and may influence its market positioning positively.

The most recent analyst rating on (GGAL) stock is a Buy with a $58.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces Sixth Dividend Payment for FY 2024

On November 28, 2025, Grupo Financiero Galicia S.A. announced that its subsidiary, Banco de Galicia y Buenos Aires S.A., has made the sixth installment of cash dividends for the fiscal year 2024, amounting to ARS 37,446,788,165.99. This distribution, authorized by the Argentine Central Bank, reflects the company’s ongoing commitment to its shareholders and is subject to a 7% withholding tax as per Argentine tax laws.

The most recent analyst rating on (GGAL) stock is a Buy with a $56.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Reports Significant Q3 2025 Loss Amid Integration Costs

On November 25, 2025, Grupo Financiero Galicia S.A. announced its financial results for the third quarter ending September 30, 2025, reporting a significant net loss of Ps.87,710 million. This loss was primarily driven by high integration expenses related to the acquisition of HSBC’s businesses in Argentina and increased funding costs due to regulatory changes. The company’s return on equity (ROE) for the quarter was negative at 4.7%, reflecting a challenging economic environment and operational adjustments. Despite these challenges, the company maintains a strong market presence with a 15.7% share in loans and a 17.8% share in deposits to the private sector.

The most recent analyst rating on (GGAL) stock is a Buy with a $51.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces Dividend Payment for November 2025

On November 4, 2025, Grupo Financiero Galicia S.A. announced that its board of directors approved a cash dividend payment to shareholders, following a decision made at the shareholders’ meeting on April 29, 2025. The payment, amounting to Ps. 36,589,216,664.57 or Ps. 22.7792259740615 per share, will be distributed to shareholders registered by November 7, 2025, with the payment date set for November 12, 2025. The dividend distribution will be subject to applicable taxes and will be processed through Caja de Valores S.A. for local shareholders and the Bank of New York Mellon for ADR holders. This announcement reflects the company’s commitment to returning value to its shareholders and may impact its financial positioning in the Argentine market.

The most recent analyst rating on (GGAL) stock is a Buy with a $65.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces November 2025 Cash Dividend

On November 4, 2025, Grupo Financiero Galicia S.A. announced a cash dividend distribution amounting to Ps. 36,589,216,664.57, to be made available to shareholders registered by November 7, 2025, with payments starting on November 12, 2025. This decision follows the authorizations granted during the Ordinary Shareholders’ Meeting held on April 29, 2025, and is expected to impact the company’s financial operations positively, reinforcing its commitment to delivering shareholder value.

The most recent analyst rating on (GGAL) stock is a Buy with a $65.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces Fifth Dividend Payment for FY 2024

On October 31, 2025, Grupo Financiero Galicia S.A. announced that its subsidiary, Banco de Galicia y Buenos Aires S.A., has initiated the fifth payment of dividends for the fiscal year 2024. The dividend payment, amounting to ARS 36,589,874,132.56, is distributed in accordance with the Argentine Central Bank’s authorization and follows the established payment schedule. This distribution is subject to a 7% withholding tax as per Argentine Income Tax Law, and it reflects the company’s commitment to returning value to its shareholders.

The most recent analyst rating on (GGAL) stock is a Hold with a $54.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Appoints New CEO for Banco de Galicia

On October 13, 2025, Grupo Financiero Galicia S.A. announced that the Argentine Central Bank approved the appointment of Mr. Diego H. Rivas as the new CEO of its subsidiary, Banco de Galicia y Buenos Aires S.A. This leadership change, effective following the Central Bank’s resolution dated October 9, 2025, is expected to influence the bank’s strategic direction and operational focus, potentially impacting stakeholders and the bank’s position in the Argentine financial market.

The most recent analyst rating on (GGAL) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces October 2025 Cash Dividend Payment

On October 2, 2025, Grupo Financiero Galicia S.A. announced a cash dividend payment to its shareholders, as decided in the shareholders’ meeting on April 29, 2025. The payment, amounting to Ps. 35,845,086,882.80, will be distributed to shareholders registered by October 7, 2025, with the payment date set for October 13, 2025. This dividend distribution is subject to applicable taxes, including a 7% withholding tax, and will be processed through Caja de Valores S.A. for local shareholders and through the Bank of New York Mellon for ADR holders. The announcement reflects the company’s commitment to returning value to its shareholders and may have implications for its financial positioning and stakeholder relations.

The most recent analyst rating on (GGAL) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces October 2025 Cash Dividend

On October 2, 2025, Grupo Financiero Galicia S.A. announced a significant financial decision to distribute a cash dividend amounting to Ps. 35,845,086,882.80 to shareholders registered by October 7, 2025. This move, authorized during the Ordinary Shareholders’ Meeting on April 29, 2025, reflects the company’s commitment to returning value to its investors and could positively impact its market position by enhancing shareholder satisfaction.

The most recent analyst rating on (GGAL) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.

Grupo Financiero Galicia Announces Fourth Dividend Payment for FY 2024

On September 30, 2025, Grupo Financiero Galicia S.A. announced that its subsidiary, Banco de Galicia y Buenos Aires S.A., has made available the fourth installment of cash dividends for the fiscal year 2024, amounting to ARS 35,845,730,979.60. This distribution, authorized by the Argentine Central Bank, is subject to a 7% withholding tax and reflects the company’s commitment to returning value to its shareholders, potentially strengthening its market position and stakeholder confidence.

The most recent analyst rating on (GGAL) stock is a Buy with a $40.00 price target. To see the full list of analyst forecasts on Grupo Financiero Galicia SA stock, see the GGAL Stock Forecast page.