GGAL
Neutral signalScored 2026-08-03 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Grupo Financiero Galicia S.A.
- Nom
- Grupo Financiero Galicia S.A.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $6.4B
- Employés
- 10,032
- PDG
- Fabian Enrique Kon
- Site web
- https://www.gfgsa.com
- Marché
- BBARBMASUPV
Grupo Financiero Galicia S.A. (GGAL) functions as a prominent financial services conglomerate, delivering an extensive array of financial solutions and products to both individual clients and corporate entities across Argentina. The company structures its diverse operations into several key segments: Banking, NaranjaX, Insurance, and other miscellaneous business ventures. Its comprehensive portfolio encompasses various deposit accounts, including savings, current, and checking options. GGAL also offers a wide spectrum of lending facilities such as personal, express, and mortgage loans, along with pledge and credit card-backed financing. Furthermore, it provides credit and debit cards, coupled with robust online banking capabilities. Beyond these core offerings, the group extends its services to include general financing and consumer credit solutions, electronic check processing, global custody, and Fima investment funds. It furnishes financial and capital market expertise—including foreign trade services and investment banking products like debt securities, short-term notes, commercial bills, and financial trusts—catering to individuals, corporations, and financial institutions alike. GGAL’s insurance division provides a broad range of coverage, including policies for robbery, personal accidents, group life, homeowners, individual life, comprehensive small and medium-sized enterprise (SME) protection, pet insurance, surety bonds, various risk policies, and technical insurance. For high-net-worth individuals, specialized private banking services are available, complemented by an innovative digital investment platform. As of December 31, 2021, the company maintained a significant physical presence, boasting 312 fully-equipped banking branches alongside an extensive network of 1,991 ATMs and self-service terminals. Founded in 1905, Grupo Financiero Galicia S.A. is headquartered in Buenos Aires, Argentina.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 626967 titres (~3293110 USD)
- Insiders
- Moret Silvestre Vila
- Total bought
-
$3,293,110
Avg buy (VWAP, 90d window) —
- Total sold
-
$86,550
Avg sell (VWAP, 90d window) $4.61 vs last close $36.76 (+697.3%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-08
- Liquidity
- Liquid $32,914,413/day · 20d vol
- Last synced
-
2026-10-19 22:07:50
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-14 | Braun Tomas | Sell · S | 14,472 | $4.59 | $66,426 | Form 4 |
| 2026-09-02 | Braun Tomas | Sell · S | 4,300 | $4.68 | $20,124 | Form 4 |
| 2026-04-09 | Braun Tomas | Sell · S | 9,820 | $5.16 | $50,671 | Form 4 |
| 2026-03-20 | Braun Tomas | Sell · S | 10,970 | $4.61 | $50,572 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-03 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
GGAL presents a meaningful event-driven catalyst — a large insider cluster buy (~$3.29M) paired with a credit-cycle rating upgrade — suggesting informed confidence in a potential macro-driven re-rating, likely tied to…
The first sentence of the analysis written for GGAL on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Pulls against a bullish reading. Current ratio 0.60 · operating margin 2.4%
Suggested stop 34.45, nearest stored support minus 0.5 ATR(6.3% under the last close). Reward/risk to the next stored resistance is 1.72. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 45.6% | 62.7% | 49.5% | 50.8% | 56.9% | |
| Ebit Margin | 2.4% | 20.8% | 8.5% | 5.2% | 10.1% | |
| Ebitda Margin | 4.9% | 22.6% | 10.2% | 7.4% | 13.1% | |
| Operating Profit Margin | 2.4% | 20.8% | 8.5% | 5.2% | 10.1% | |
| Pretax Profit Margin | 2.4% | 20.8% | 8.5% | 5.2% | 10.1% | |
| Continuous Operations Profit Margin | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | |
| Net Profit Margin | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | |
| Bottom Line Profit Margin | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | |
| Current Ratio | 0.598 | 0.665 | 2.703 | 1.092 | 8.500 | |
| Quick Ratio | 0.598 | 0.665 | 2.703 | 1.092 | 8.500 | |
| Solvency Ratio | 0.014 | 0.069 | 0.119 | 0.060 | 0.103 | |
| Cash Ratio | 0.323 | 0.195 | 2.659 | 2.424 | 8.500 | |
| Price To Earnings Ratio | 55.040 | 5.409 | 2.583 | 1.677 | 0.762 | |
| Price To Earnings Growth Ratio | -0.625 | 0.045 | 0.006 | -0.085 | 0.002 | |
| Forward Price To Earnings Growth Ratio | -0.625 | 0.045 | 0.006 | -0.085 | 0.002 | |
| Price To Earnings Diluted Ratio | 55.040 | 5.409 | 2.583 | 1.677 | 0.762 | |
| Price To Earnings Diluted Growth Ratio | -0.625 | 0.045 | 0.006 | -0.085 | 0.002 | |
| Price To Book Ratio | 1.620 | 1.688 | 1.024 | 0.134 | 0.243 | |
| Price To Sales Ratio | 1.012 | 0.963 | 0.149 | 0.030 | 0.050 | |
| Price To Free Cash Flow Ratio | 312.190 | -3.508 | 1.297 | 0.147 | -0.477 | |
| Price To Operating Cash Flow Ratio | 38.472 | -3.787 | 0.332 | 0.142 | -0.512 | |
| Debt To Assets Ratio | 0.079 | 0.066 | 0.046 | 0.047 | 0.049 | |
| Debt To Equity Ratio | 0.464 | 0.356 | 0.231 | 0.259 | 0.270 | |
| Debt To Capital Ratio | 0.317 | 0.263 | 0.188 | 0.206 | 0.213 | |
| Long Term Debt To Capital Ratio | 0.271 | 0.370 | 0.178 | 0.198 | 0.204 | |
| Financial Leverage Ratio | 5.886 | 5.363 | 5.063 | 5.532 | 5.511 | |
| Working Capital Turnover Ratio | -1.369 | -4.105 | 20.880 | 36.963 | 8.740 | |
| Operating Cash Flow Ratio | 0.011 | -0.140 | 8.284 | 3.120 | -5.181 | |
| Operating Cash Flow Sales Ratio | 0.026 | -0.254 | 0.447 | 0.211 | -0.098 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.123 | 1.079 | 0.256 | 0.968 | 1.073 | |
| Debt Service Coverage Ratio | 0.113 | 0.519 | 0.147 | 0.135 | 0.251 | |
| Interest Coverage Ratio | 0.078 | 0.713 | 0.179 | 0.116 | 0.262 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.483 | -6.934 | 122.296 | 0.000 | -446.528 | |
| Operating Cash Flow Coverage Ratio | 0.091 | -1.251 | 13.350 | 3.652 | -1.759 | |
| Capital Expenditure Coverage Ratio | 1.141 | -12.585 | 85.594 | 31.094 | -13.724 | |
| Dividend Paid And Capex Coverage Ratio | 0.488 | -3.257 | 24.681 | 14.480 | -11.605 | |
| Dividend Payout Ratio | 1.804 | 0.378 | 0.244 | 0.201 | 0.020 | |
| Enterprise Value Multiple | 11.182 | 3.599 | 0.376 | -1.023 | -0.420 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 45.6% | ▼-17.1% | ▼-7.5% |
| Ebit Margin | 2.5% | ▼-18.4% | ▼-7.0% |
| Ebitda Margin | 4.9% | ▼-17.7% | ▼-6.8% |
| Operating Profit Margin | 2.5% | ▼-18.4% | ▼-7.0% |
| Pretax Profit Margin | 2.5% | ▼-18.4% | ▼-7.0% |
| Continuous Operations Profit Margin | 1.7% | ▼-13.6% | ▼-4.8% |
| Net Profit Margin | 1.7% | ▼-13.6% | ▼-4.8% |
| Bottom Line Profit Margin | 1.7% | ▼-13.6% | ▼-4.8% |
| Current Ratio | 0.598 | ▼-0.067 | ▼-2.114 |
| Quick Ratio | 0.598 | ▼-0.067 | ▼-2.114 |
| Solvency Ratio | 0.014 | ▼-0.055 | ▼-0.059 |
| Cash Ratio | 0.323 | ▲0.127 | ▼-2.498 |
| Price To Earnings Ratio | 55.040 | ▲49.631 | ▲41.946 |
| Price To Earnings Growth Ratio | -0.625 | ▼-0.671 | ▼-0.494 |
| Forward Price To Earnings Growth Ratio | -0.625 | ▼-0.671 | ▼-0.494 |
| Price To Earnings Diluted Ratio | 55.040 | ▲49.631 | ▲41.946 |
| Price To Earnings Diluted Growth Ratio | -0.625 | ▼-0.671 | ▼-0.494 |
| Price To Book Ratio | 1.620 | ▼-0.067 | ▲0.678 |
| Price To Sales Ratio | 1.012 | ▲0.049 | ▲0.572 |
| Price To Free Cash Flow Ratio | 312.190 | ▲315.698 | ▲250.261 |
| Price To Operating Cash Flow Ratio | 38.472 | ▲42.259 | ▲31.543 |
| Debt To Assets Ratio | 0.079 | ▲0.012 | ▲0.021 |
| Debt To Equity Ratio | 0.464 | ▲0.108 | ▲0.148 |
| Debt To Capital Ratio | 0.317 | ▲0.054 | ▲0.080 |
| Long Term Debt To Capital Ratio | 0.271 | ▼-0.099 | ▲0.027 |
| Financial Leverage Ratio | 5.886 | ▲0.523 | ▲0.415 |
| Working Capital Turnover Ratio | -1.369 | ▲2.736 | ▼-13.591 |
| Operating Cash Flow Ratio | 0.011 | ▲0.152 | ▼-1.208 |
| Operating Cash Flow Sales Ratio | 0.026 | ▲0.281 | ▼-0.040 |
| Free Cash Flow Operating Cash Flow Ratio | 0.123 | ▼-0.956 | ▼-0.577 |
| Debt Service Coverage Ratio | 0.114 | ▼-0.406 | ▼-0.120 |
| Interest Coverage Ratio | 0.078 | ▼-0.635 | ▼-0.191 |
| Short Term Operating Cash Flow Coverage Ratio | 0.483 | ▲7.416 | ▲66.619 |
| Operating Cash Flow Coverage Ratio | 0.091 | ▲1.341 | ▼-2.726 |
| Capital Expenditure Coverage Ratio | 1.141 | ▲13.726 | ▼-17.163 |
| Dividend Paid And Capex Coverage Ratio | 0.488 | ▲3.745 | ▼-4.470 |
| Dividend Payout Ratio | 1.804 | ▲1.426 | ▲1.275 |
| Enterprise Value Multiple | 11.182 | ▲7.583 | ▲8.439 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $12571.66B | $10232.35B | $2066.17B | $254.49B | $144.20B | |
| Enterprise value | $6803.63B | $8635.02B | $536.01B | -$647.94B | -$157.98B | |
| EV / Sales | 0.55x | 0.81x | 0.04x | -0.08x | -0.06x | |
| EV / Op. cash flow | 20.82x | -3.20x | 0.09x | -0.36x | 0.56x | |
| EV / Free cash flow | 168.95x | -2.96x | 0.34x | -0.37x | 0.52x | |
| EV / EBITDA | 11.18x | 3.60x | 0.38x | -1.02x | -0.42x | |
| Net debt / EBITDA | -9.48x | -0.67x | -1.07x | -1.43x | -0.80x | |
| Current ratio | 0.60x | 0.67x | 2.70x | 1.09x | 8.50x | |
| Income quality | 1.07x | -3.62x | 8.49x | 8.79x | -0.98x | |
| Graham number | $4K | $9K | $4K | $3K | $1K | |
| Graham net-net | -$141K | -$114K | -$31K | -$42K | -$13K | |
| Tax burden | 69.9% | 73.5% | 62.1% | 74.1% | 65.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$11682.00B | -$6455.27B | $1277.98B | $52.91B | $408.08B | |
| Invested capital | -$10105.15B | -$5155.26B | $1756.85B | $533.51B | $570.59B | |
| Return on assets | 0.5% | 5.0% | 7.2% | 3.1% | 5.8% | |
| Operating ROA | 0.8% | 10.3% | 11.4% | 6.5% | 11.9% | |
| Return on tangible assets | 0.5% | 5.0% | 7.3% | 3.2% | 5.8% | |
| Return on equity | 2.7% | 26.8% | 36.4% | 17.4% | 31.8% | |
| Return on invested capital | 1.2% | 11.9% | 3.2% | 3.3% | 5.3% | |
| Return on capital employed | 1.8% | 16.7% | 12.5% | 4.5% | 9.0% | |
| Earnings yield | 1.7% | 15.9% | 35.5% | 129.4% | 130.8% | |
| Free cash flow yield | 0.3% | -28.5% | 77.1% | 682.4% | -209.7% | |
| Capex / Op. cash flow | 87.7% | -7.9% | 1.2% | 3.2% | -7.3% | |
| Capex / Depreciation | 94.1% | 114.2% | 30.1% | 30.5% | 23.4% | |
| Capex / Sales | 2.3% | 2.0% | 0.5% | 0.7% | 0.7% | |
| SG&A / Sales | 17.1% | 13.4% | 8.1% | 12.0% | 15.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 0.8% | 0.9% | 1.2% | 1.1% | 1.3% | |
| Days sales outstanding | 233d | 204d | 58d | 56d | 61d | |
| Days payables outstanding | 0d | 22d | 8d | 12d | 0d | |
| Operating cycle | 233d | 204d | 58d | 56d | 61d | |
| Cash conversion cycle | 233d | 182d | 51d | 44d | 61d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-13 Grupo Financiero Galicia: Argentina''s Biggest Bank, A Year Too Early Grupo Financiero Galicia S.A. is Argentina''s largest private bank, yet its stock has fallen 31% YTD, driven by surging country risk, not company fundamentals. I rate GGAL a HOLD: upcoming 2027 elections and likely peso depreciation introduce binary, uncontrollable risks that overshadow the bank''s operational improvements. GGAL''s recent ROE recovery (11.3% in Q2-26) and efficiency gains are offset by a tripling of non-performing loans (to 10.6%) and coverage dropping below 100%.
- 2026-10-07 Head to Head Analysis: Grupo Financiero Galicia (NASDAQ:GGAL) & Pioneer Bancorp (NASDAQ:PBFS) Pioneer Bancorp (NASDAQ: PBFS - Get Free Report) and Grupo Financiero Galicia (NASDAQ: GGAL - Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, valuation, profitability and analyst recommendations. Profitability This table compares Pioneer Bancorp and
- 2026-09-28 Grupo Financiero Galicia SA (GGAL) Shares Fall 4.5% -- What GF Score of 90 Tells Investors On September 28, 2026, Grupo Financiero Galicia SA (GGAL) shares fell 4.5% to $36.98, continuing a downward trend with a year-to-date decline of 29.5%. The stoc
- 2026-09-21 GGAL or UOVEY: Which Is the Better Value Stock Right Now? Investors looking for stocks in the Banks - Foreign sector might want to consider either Grupo Financiero Galicia (GGAL) or United Overseas Bank Ltd. (UOVEY). But which of these two stocks presents investors with the better value opportunity right now?
- 2026-09-21 Grupo Financiero Galicia (NASDAQ:GGAL) & HBT Financial (NASDAQ:HBT) Critical Comparison Grupo Financiero Galicia (NASDAQ: GGAL - Get Free Report) and HBT Financial (NASDAQ: HBT - Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, valuation and dividends. Risk and Volatility Grupo Financiero Galicia has
- 2026-09-10 Wall Street Analysts Think Grupo Financiero Galicia (GGAL) Could Surge 44.82%: Read This Before Placing a Bet The average of price targets set by Wall Street analysts indicates a potential upside of 44.8% in Grupo Financiero Galicia (GGAL). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
- 2026-09-03 GGAL vs. UOVEY: Which Stock Is the Better Value Option? Investors with an interest in Banks - Foreign stocks have likely encountered both Grupo Financiero Galicia (GGAL) and United Overseas Bank Ltd. (UOVEY). But which of these two companies is the best option for those looking for undervalued stocks?
- 2026-09-03 Stanley Druckenmiller Invested Tens of Millions Into These Risky Stocks. Should You? International stocks can be great for diversification, but they can also be risky for reasons most investors aren''t familiar with. Stanley Druckenmiller''s investments in Argentine companies carry significant risks stemming from the country''s politics.
- 2026-08-26 Grupo Financiero Galicia S.A. (GGAL) Q2 2026 Earnings Call Transcript Grupo Financiero Galicia S.A. (GGAL) Q2 2026 Earnings Call Transcript
- 2026-08-26 Grupo Financiero Galicia Q2 Earnings Call Highlights Grupo Financiero Galicia NASDAQ: GGAL reported second-quarter net income of ARS 258 billion, up 12% from a year earlier, as lower funding costs, stronger trading and securities results, and reduced loan-loss provisions supported profitability.