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Grupo Financiero Galicia S.A. GGAL

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Price alert · GGAL

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29.91 USD -0.49 (-1.61%)

At closeNov 11, 2026, 4:05 AM EST

30.33 +0.42 +1.40%

Pre-market · Nov 11, 4:05 AM ET

29.35 Day range 30.15
29.26 52-week range 58.14
YTD
-44.55%
1 year
-46.49%

Financial health

Altman Z-Score

-0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B-2 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 3

Valuation

P/E 55.0×
FY 2016: 9.2×FY 2017: 14.9×FY 2018: -30.2×FY 2019: 4.7×FY 2020: 2.7×FY 2021: 0.8×FY 2022: 1.7×FY 2023: 2.6×FY 2024: 5.4×FY 2025: 55.0×
FY 2016 5y median 2.6× FY 2025
P/S 1.0×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 0.1× FY 2025
P/B 1.6×
FY 2016: 2.7×FY 2017: 2.5×FY 2018: 1.6×FY 2019: 0.9×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 1.0×FY 2024: 1.7×FY 2025: 1.6×
FY 2016 5y median 1.0× FY 2025
P/FCF 312×
FY 2016: 2.3×FY 2017: -3.4×FY 2018: 8.2×FY 2019: 0.9×FY 2020: 0.2×FY 2021: -0.5×FY 2022: 0.1×FY 2023: 0.3×FY 2024: -3.5×FY 2025: 312×
FY 2016 5y median 0.1× FY 2025
EV/EBITDA 11.2×
FY 2016: 5.5×FY 2017: 7.6×FY 2018: 11.3×FY 2019: 0.6×FY 2020: -0.5×FY 2021: -0.4×FY 2022: -1.0×FY 2023: 0.4×FY 2024: 3.6×FY 2025: 11.2×
FY 2016 5y median 0.4× FY 2025
EV/Sales 0.5×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 0.4×FY 2019: 0.1×FY 2020: -0.1×FY 2021: -0.1×FY 2022: -0.1×FY 2023: 0.0×FY 2024: 0.8×FY 2025: 0.5×
FY 2016 5y median 0.0× FY 2025
FCF Yield 0.3%
FY 2016: 43.3%FY 2017: -29.6%FY 2018: 12.3%FY 2019: 109.3%FY 2020: 493.6%FY 2021: -209.7%FY 2022: 682.4%FY 2023: 297.4%FY 2024: -28.5%FY 2025: 0.3%
FY 2016 5y median 0.3% FY 2025

Profitability

Gross Margin 45.6%
FY 2016: 59.2%FY 2017: 66.7%FY 2018: 52.0%FY 2019: 52.4%FY 2020: 57.5%FY 2021: 56.9%FY 2022: 50.8%FY 2023: 49.5%FY 2024: 62.7%FY 2025: 45.6%
FY 2016 5y median 50.8% FY 2025
Operating Margin 2.4%
FY 2016: 19.0%FY 2017: 15.5%FY 2018: 2.6%FY 2019: 16.2%FY 2020: 15.7%FY 2021: 10.1%FY 2022: 5.2%FY 2023: 8.5%FY 2024: 20.8%FY 2025: 2.4%
FY 2016 5y median 8.5% FY 2025
Net Margin 1.7%
FY 2016: 12.2%FY 2017: 7.1%FY 2018: -2.7%FY 2019: 9.6%FY 2020: 8.5%FY 2021: 6.6%FY 2022: 3.9%FY 2023: 5.3%FY 2024: 15.3%FY 2025: 1.7%
FY 2016 5y median 5.3% FY 2025
ROE 2.7%
FY 2016: 29.6%FY 2017: 16.2%FY 2018: -7.8%FY 2019: 31.4%FY 2020: 26.9%FY 2021: 31.8%FY 2022: 17.4%FY 2023: 36.4%FY 2024: 26.8%FY 2025: 2.7%
FY 2016 5y median 26.8% FY 2025
ROIC 1.2%
FY 2016: 2.5%FY 2017: 2.4%FY 2018: -0.9%FY 2019: 5.5%FY 2020: 4.9%FY 2021: 5.3%FY 2022: 3.3%FY 2023: 3.2%FY 2024: 11.9%FY 2025: 1.2%
FY 2016 5y median 3.3% FY 2025
ROA 0.5%
FY 2016: 2.5%FY 2017: 2.1%FY 2018: -0.8%FY 2019: 5.2%FY 2020: 4.6%FY 2021: 5.8%FY 2022: 3.1%FY 2023: 7.2%FY 2024: 5.0%FY 2025: 0.5%
FY 2016 5y median 5.0% FY 2025

Growth (YoY)

Revenue 16.9%
FY 2016: 41.2%FY 2017: 200.7%FY 2018: 80.3%FY 2019: 90.9%FY 2020: 69.8%FY 2021: 230.9%FY 2022: 197.4%FY 2023: 63.1%FY 2024: -23.5%FY 2025: 16.9%
FY 2016 FY 2025
Operating Income -86.3%
FY 2016: 31.2%FY 2017: 144.9%FY 2018: -69.2%FY 2019: 1067.6%FY 2020: 65.0%FY 2021: 111.7%FY 2022: 54.2%FY 2023: 166.1%FY 2024: 87.0%FY 2025: -86.3%
FY 2016 FY 2025
EPS (diluted) -88.0%
FY 2016: 38.6%FY 2017: 187.9%FY 2018: -125.7%FY 2019: 709.9%FY 2020: 28.8%FY 2021: 376.2%FY 2022: -19.8%FY 2023: 427.0%FY 2024: 119.6%FY 2025: -88.0%
FY 2016 FY 2025
Free Cash Flow 101.4%
FY 2016: 62.0%FY 2017: -301.1%FY 2018: 137.6%FY 2019: 734.6%FY 2020: 241.6%FY 2021: -158.2%FY 2022: 674.1%FY 2023: 253.8%FY 2024: -147.5%FY 2025: 101.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 12.3×FY 2017: 2.9×FY 2018: 3.3×FY 2019: 4.2×FY 2020: 5.1×FY 2021: 8.5×FY 2022: 1.1×FY 2023: 2.7×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 1.1× FY 2025
Quick Ratio 0.6×
FY 2016: 12.3×FY 2017: 2.9×FY 2018: 3.3×FY 2019: 4.2×FY 2020: 5.1×FY 2021: 8.5×FY 2022: 1.1×FY 2023: 2.7×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 1.1× FY 2025
Debt / Equity 0.5×
FY 2016: 0.7×FY 2017: 1.1×FY 2018: 1.3×FY 2019: 0.6×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -9.5×
FY 2016: -0.2×FY 2017: 1.1×FY 2018: -2.8×FY 2019: -0.9×FY 2020: -1.1×FY 2021: -0.8×FY 2022: -1.4×FY 2023: -1.1×FY 2024: -0.7×FY 2025: -9.5×
FY 2016 5y median -1.1× FY 2025
Interest Coverage 0.1×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.1×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.7×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 3.1%
FY 2016: 0.3%FY 2017: 0.5%FY 2018: 1.7%FY 2019: 2.6%FY 2020: 5.7%FY 2021: 2.6%FY 2022: 26.0%FY 2023: 8.7%FY 2024: 6.0%FY 2025: 3.1%
FY 2016 5y median 6.0% FY 2025
Payout Ratio 180.4%
FY 2016: 2.5%FY 2017: 8.2%FY 2018: -34.3%FY 2019: 7.4%FY 2020: 8.1%FY 2021: 2.0%FY 2022: 20.1%FY 2023: 24.4%FY 2024: 37.8%FY 2025: 180.4%
FY 2016 5y median 24.4% FY 2025

Annual · latest fiscal year ends 2025-12-31