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Grupo Financiero Galicia SA ADR

Financial Services US GGAL

48.85USD
0.52(1.08%)

Last update at 2026-06-04T17:52:00Z

Day Range

48.2549.62
LowHigh

52 Week Range

25.3363.49
LowHigh

Fundamentals

  • Previous Close 48.33
  • Market Cap8099.87M
  • Volume493257
  • P/E Ratio49.28
  • Dividend Yield3.32%
  • Revenue TTM6349695.48M
  • Revenue Per Share TTM3958.26
  • Gross Profit TTM 6100736.80M
  • Diluted EPS TTM0.97

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 330041.99M 2211223.18M 1182478.51M 70746.47M 97167.72M
Minority interest -88.19200M 135.24M 2.52M -0.00900M 0.00000M
Net income 228404.22M 1624744.80M 734238.29M 48639.40M 64142.52M
Selling general administrative 2065025.61M 1388143.17M 1100783.65M 49300.92M 44457.52M
Selling and marketing expenses 61850.75M 37685.59M 31143.63M 4269.03M 4499.99M
Gross profit 5590607.89M 6663681.13M 6881053.75M 558631.70M 562824.38M
Reconciled depreciation 304585.25M 188067.49M 83732.51M 27877.15M 12656.00M
Ebit 330041.99M 2211223.18M 1182478.51M 42869.31M 84511.72M
Ebitda 536319.04M 2399290.67M 1366006.62M 70746.46M 97167.72M
Depreciation and amortization 206277.05M 188067.49M 183528.11M 27877.15M 12656.00M
Non operating income net other - - - - -
Operating income 335592.61M 2211223.18M 1182478.51M 90837.00M 84511.72M
Other operating expenses 13220113.30M 8415350.84M 12712076.36M 613384.23M 465656.66M
Interest expense 4521158.78M 3100093.45M 6598263.30M 565523.88M 157571.00M
Tax provision 91914.87M 586613.61M 205840.48M 17002.92M 15056.00M
Interest income 9464046.93M 8244240.31M 4754293.05M 716897.08M 254572.00M
Net interest income 5583398.68M 5144146.86M 1724281.39M 151373.20M 97001.00M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 107085.64M 586613.61M 448245.70M 19286.32M 33025.21M
Total revenue 13550155.29M 10626574.02M 13894554.86M 684130.70M 562824.38M
Total operating expenses 5260565.90M 4452457.96M 5698575.24M 613384.23M 465656.66M
Cost of revenue 7959547.40M 3962892.88M 7013501.12M 125499.00M -
Total other income expense net -5550.61800M -3315961.95900M 543010.11M 70746.47M 97167.72M
Discontinued operations - - - - -
Net income from continuing ops 196134.49M 1624609.56M 337169.63M 48639.41M 29430.00M
Net income applicable to common shares - - - 51460.00M 32928.52M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 45779144.02M 32517979.37M 10283955.93M 3371637.57M 1681697.00M
Intangible assets 381178.39M 304486.25M 122235.22M 38513.02M 21231.44M
Earning assets - - - - -
Other current assets 350069.16M - 3504737.87M 1.00M 769027.00M
Total liab 38012312.77M 26454235.29M 8266225.99M 164089.64M 1379131.00M
Total stockholder equity 7763585.91M 6063585.60M 2017651.92M 608877.54M 302566.00M
Deferred long term liab - - - - -
Other current liab 26602750.05M 645314.38M 284010.15M - 76.38M
Common stock 1605.64M 1588.51M 1474.53M 1474.69M 1474.69M
Capital stock 1606.25M 1588.51M 1474.69M 1474.69M 1474.69M
Retained earnings 169935.02M 3758171.82M 1280391.82M -174777.57500M -89040.32700M
Other liab - - - 483676.00M 64036.79M
Good will - - - - -0.44200M
Other assets - -207229.21600M - 1542394.89M 747796.38M
Cash 9070318.65M 3757799.34M -1926087.94721M 447544.20M 237427.00M
Cash and equivalents - - - - -
Total current liabilities 29705025.91M 645314.38M 617216.50M 410248.00M 4362.78M
Current deferred revenue - - -144453.32500M - 4286.40M
Net debt -5425039.70900M -203145.07400M 2418076.91M -289820.96000M -159469.00000M
Short term debt 3102275.86M - 333206.35M - -
Short long term debt - - - - -
Short long term debt total 3645278.94M 3554654.27M 491988.96M 157723.24M 77958.00M
Other stockholder equity 3124382.98M 685070.95M 733720.75M 283278.32M 148928.95M
Property plant equipment - - - 115821.00M 62196.02M
Total current assets 17360053.17M 3757799.34M 3504737.87M 502203.10M 258657.62M
Long term investments 8016669.92M 6377134.01M 2591709.23M 1172705.58M 591816.00M
Net tangible assets - - - 570832.00M 281334.94M
Short term investments - - -820614.60200M 447096657.80M -0.15700M
Net receivables 7939665.36M 474650.69M 167597.01M 54658.90M 21230.78M
Long term debt 2877898.43M 1717049.14M 436264.20M 150047.74M 77958.00M
Inventory - - -2197438.06100M - 7.81M
Accounts payable - 235518.03M 144453.33M 2141978.00M 1026547.99M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 4467662.27M 1618754.32M 1282456.64M 498902.11M 241202.68M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 7801043.49M 27667402.18M 714994.38M -7251712.00000M -675243.00000M
Deferred long term asset charges - - - - -
Non current assets total 28419090.85M 28967409.24M 6779218.05M 1327039.58M 675243.00M
Capital lease obligations 44196.89M 53715.61M 29460.82M 7675.50M 4381.60M
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - 865179.04M -81858.45700M -18699.72500M -163.94900M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -12544263.30000M 939317.22M -178257.94600M - -9020.10400M
Net borrowings 1076884.80M 1029447.52M -109944.89900M - 10354.47M
Total cash from financing activities 873797.98M 413524.77M -500342.68700M 23050.45M 8428.57M
Change to operating activities - - - - 10871.43M
Net income 228404.22M 747074.62M 732216.92M 65642.33M 47501.37M
Change in cash 788576.64M 291338.49M -1881958.76000M 76366.62M 70164.25M
Begin period cash flow 9483866.61M 7115077.08M 4131486.66M 1250494.46M 571796.90M
End period cash flow 10272443.26M 7406415.56M 3267339.53M 1326861.08M 641961.15M
Total cash from operating activities 326772.84M -2702080.04900M 6217487.34M 580220.78M 282811.13M
Issuance of capital stock 126047.40M 0.00000M 0.00000M - -
Depreciation 304585.25M 188067.49M 84430.52M 27877.15M 14497.48M
Other cashflows from investing activities -12747372.85700M 85388.65M -90568.91600M - 1039.31M
Dividends paid 383458.63M 614943.49M 179275.94M -25173.65100M -1925.90300M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - -979.25700M - - -
Other cashflows from financing activities 33519.98M 14164156.19M -270578.56000M 142465.84M 46895.13M
Change to netincome - - - - 223852.01M
Capital expenditures 286503.61M 214703.49M 72638.95M 18530.22M 9943.27M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -4804852.44100M -8469530.02800M -1242567.71400M 11345.50M 10635.45M
Stock based compensation - - - - -
Other non cash items 4903221.06M 4832307.87M 6643407.62M 475355.79M 210176.83M
Free cash flow 40269.23M -2916783.54300M 1593282.35M 561690.56M 272867.86M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
GGAL
Grupo Financiero Galicia SA ADR		 0.52 1.08% 48.85 49.28 3.31 0.0013 1.36 1.58
HDB
HDFC Bank Limited ADR		 0.41 1.74% 23.96 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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 Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; and credit and debit cards. The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, flexible loans, and overdrafts for individuals; and immediate loans, discount of electronic credit invoice and e-checks, pledge and mortgage loans, Sociedad de Garantía Recíproca loans, Socios de valor, productive line, leasing, and purchase of agricultural inputs for companies. In addition, the company offers life, home, personal accident, robbery, cars, and other insurance products; fixed term, traditional fixed term, and purchasing value unit investment products; custody of securities; purchase and sale of foreign currency; private banking; and fixed income products, stocks, CEDEARs, secured loans, mutual funds, stock promissory note, structured solutions, and primary issuances; foreign trade; and capital market and investment banking. Further, it provides online banking services. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

Grupo Financiero Galicia SA ADR

Teniente General Juan D. Perón 430, Buenos Aires, Argentina, C1038 AAJ

Key Executives

Name Title Year Born
Mr. Fabian Enrique Kon GM & CEO NA
Mr. Diego H. Rivas Chief Financial & Compliance Officer NA
Mr. Jose Luis Ronsini Admin. Mang. 1971
Mr. Pablo Eduardo Firvida Investor Relations Officer 1967
Mr. Adrian Enrique Pedemonte Head of Market Relations NA
Mr. Bruno Folino Chief Risk Officer NA
Mr. Jose Luis Ronsini Administration Manager 1971
Mr. Gonzalo Fernandez Covaro Chief Financial Officer NA
Mr. Jose Luis Ronsini CPA Chief Administrative Officer 1971
Mr. Pablo Eduardo Firvida Investor Relations Officer 1967

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