Stock AnalizGrupo Financiero Galicia SA GGAL
Commercial Banks · data as of November 13, 2026
Grupo Financiero Galicia SA (GGAL) is a financial company listed in the US with a market value of about $4.8B. In the twelve months to March 31, 2026 it had revenue of $5.6B and net income of $55M, a net margin of 1.0%.
Its overall Stock Analiz score is 1.8 out of 5 (weak). The strongest part is future growth (4/5); the weakest is value (0/5).
Key numbers: a P/E of 34.2, 5-year revenue growth of -2% a year, a 5-year average ROIC of 21%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 57% below the current price.
Score: 1.8 / 5
Checks passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Pays a dividend
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.6B | $5.5B | $4.6B | $4.7B | $3.0B | $1.1B | $348M | $5.1B | $4.1B | $5.6B |
| Net income | $55M | $138M | $1.1B | $475M | $213M | $122M | $48M | $814M | -$193M | $552M |
| Free cash flow | — | -$1.2B | $2.1B | $2.2B | $2.4B | $1.1B | $336M | -$932M | $4.8B | -$994M |
| EPS (diluted) | $0.34 | $0.86 | $6.55 | $2.96 | $1.33 | $0.76 | $0.30 | $5.07 | $-1.20 | $3.44 |
| Net margin | 1.0% | 2.5% | 22.9% | 10.1% | 7.1% | 10.8% | 13.8% | 16.1% | -4.7% | 9.8% |
| ROIC | — | — | 16.9% | 15.6% | 16.5% | 29.6% | 25.4% | 26.3% | 4.6% | 15.0% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Grupo Financiero Galicia SA’s P/E ratio?
About 34.2, based on the last twelve months of diluted earnings per share (forward P/E about 4.2).
Is Grupo Financiero Galicia SA stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 57% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Grupo Financiero Galicia SA pay a dividend?
Yes. The dividend yield is about 4.73%, and it has paid dividends for 8 years in our data.
Is Grupo Financiero Galicia SA a good stock to buy?
We do not give buy or sell advice. Grupo Financiero Galicia SA scores 1.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.