Grupo Financiero Galicia SA (GGALN) Stock Price & Analysis
GGALN Stock Chart & Stats
- Day’s Range
- MXN 705.00 - MXN 705.00
- 52-Week Range
- MXN 703.30 - MXN 1,000.00
- Previous Close
- MXN 705.00
- Volume
- 0
- Average Volume (3M)
- 2
- Market Cap
- MXN 105.83B
- Enterprise Value
- MXN 6.85B
- Total Cash (Recent Filing)
- MXN 6.24T
- Total Debt (Recent Filing)
- MXN 3.01T
- Price to Earnings (P/E)
- 49.5
- Beta
- 0.38
- Next Earnings
- Mar 09, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.47%
Bulls Say, Bears Say
Bulls Say
Strong Capital And Liquidity
Robust capital and liquidity provide a durable buffer against credit losses and funding stress while supporting continued balance-sheet growth. The 26% regulatory capital ratio and high deposit coverage also give management flexibility to pursue lending opportunities without relying excessively on external funding.
Market Share And Funding Growth
Gains in loan and deposit market share indicate strengthening competitive position in Argentina’s financial system. Expanding deposits improve funding capacity, while broader customer reach can support recurring transaction, lending, and fee revenue over the next several quarters.
Efficiency And Recovery Plan
Specific targets for lower costs, improved efficiency, and higher ROE provide a measurable route toward rebuilding earnings quality. If execution continues, operating leverage and reduced credit costs could make the recent profit recovery more durable despite normalization in rates and margins.
Bears Say
Material Profitability Compression
The sharp decline in ROE and net margin shows that asset growth has not translated into comparable shareholder returns. Persistently weak profitability would reduce internal capital generation, constrain strategic flexibility, and make future earnings more dependent on successful operational recovery.
Elevated Credit Risk
High nonperforming loans and elevated provisions can continue to absorb revenue and suppress returns even if loan growth improves. Management expects gradual normalization, but the gap between current credit costs and its longer-term target indicates that asset quality remains a meaningful earnings constraint.
Volatile Cash Generation
Large swings in operating and free cash flow make the company’s cash-generation profile difficult to predict across reporting periods. The inconsistent relationship between free cash flow and net income reduces confidence in recurring cash conversion and can complicate capital allocation decisions.
Grupo Financiero Galicia SA News
GGALN FAQ
What was Grupo Financiero Galicia SA’s price range in the past 12 months?
What is Grupo Financiero Galicia SA’s market cap?
When is Grupo Financiero Galicia SA’s upcoming earnings report date?
How were Grupo Financiero Galicia SA’s earnings last quarter?
Is Grupo Financiero Galicia SA overvalued?
Does Grupo Financiero Galicia SA pay dividends?
What is Grupo Financiero Galicia SA’s EPS estimate?
How many shares outstanding does Grupo Financiero Galicia SA have?
What happened to Grupo Financiero Galicia SA’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Grupo Financiero Galicia SA?
What is the TipRanks Smart Score and how is it calculated?
Grupo Financiero Galicia SA Stock Smart Score
Company Description
Grupo Financiero Galicia SA
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Fabian Enrique Kon
- Employees
- 10,032
- Website
- www.gfgsa.com
- Address
- Teniente General Juan D. PerOn 430, Buenos Aires, BA, C1038 AAJ, AR
Grupo Financiero Galicia SA (GGALN) Earnings & Revenues
GGALN Earnings Call
Earnings Call SentimentPositive
The call presents a generally constructive outlook: the group reported higher net income, improved capital ratios, stronger liquidity, deposit and market-share gains, meaningful sequential profit recovery at Banco Galicia and sizable one-off/treasury gains. Management also provided concrete guidance (loan growth 10–15%, deposit growth ~10%, bank cost of risk improving to ~8.3% full-year, bank NIM ~16%, ROE target ~10–12% for 2026) and reiterated efficiency targets. Key challenges remain: NPLs increased in Q2 and cost of risk remains elevated (though declining), loan growth in pesos is subdued, and margin pressure is expected as inflation and rates normalize. On balance the operational improvements, capital strength and visible path to lower credit costs slightly outweigh current asset-quality and margin headwinds.
View all MX:GGALN earnings summariesGGALN Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 3 | 10 |
| Technical Analysis | 2 | 2 | 2 |
| Moving Averages | 3 | 1 | 8 |