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-1.18%
Grupo financiero galicia s.a.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Grupo financiero galicia s.a. (GGAL) covers the period of 2025Q3 and was published on 2025/09/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating GGAL's short-term business performance and financial health. For the latest updates on GGAL's earnings releases, visit this page regularly.
According to historical valuation range analysis, Grupo financiero galicia s.a. (GGAL)'s current price-to-earnings (P/E) ratio is -17.41, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Grupo financiero galicia s.a. (GGAL) reported an Operating Profit of -173.87B with an Operating Margin of -8.81% this period, representing a decline of 167.48% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Grupo financiero galicia s.a. (GGAL) announced revenue of 1.97T, with a Year-Over-Year growth rate of 7.79%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Grupo financiero galicia s.a. (GGAL) held Total Cash and Cash Equivalents of 8.69T, accounting for 0.21 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Grupo financiero galicia s.a. (GGAL) did not achieve the “three margins increasing” benchmark, with a gross margin of 62.66%%, operating margin of -8.81%%, and net margin of -4.45%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess GGAL's profit trajectory and future growth potential.
According to the past four quarterly reports, Grupo financiero galicia s.a. (GGAL)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -546. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Grupo financiero galicia s.a. (GGAL)'s Free Cash Flow (FCF) for the period is 7.58T, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 463.05% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Grupo financiero galicia s.a. (GGAL) has a Price-To-Earnings (PE) ratio of -17.41 and a Price/Earnings-To-Growth (PEG) ratio of 0.12. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.