Grupo Financiero Galicia S.A.
- Open
- 42.73
- Day high
- 44.55
- Day low
- 42.50
- Prev close
- 42.24
- Volume
- 1.1M
- Mkt cap
- $7.0B
- P/E (TTM)
- 48.8
- EPS (TTM)
- $0.90
- P/B
- 1.2
- P/S
- 0.8
- Yield
- 3.97%
- Per share
- $1.74
- ▲Insiders net buying $4.3M over the last 3 months (7 open-market buys, 0 sales)
- 🏛Institutions reducing (13F)
Grupo Financiero Galicia S.A. (GGAL) is a Financial Services company listed on NASDAQ. The stock is up 12% over the past year. Over the trailing 3 months, insiders filed 7 open-market buys and 0 sales (SEC Form 4). Drillr has 1 published research article covering GGAL.
Grupo Financiero Galicia S.A. (GGAL) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
GGAL earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 26, 2026 | $0.90 | $1.14 | +26.7% | $1.3B | -23.4% |
| Mar 5, 2026 | $-0.05 | $-0.27 | -439.9% | $4.8B | +203.4% |
| Nov 25, 2025 | $0.79 | $0.08 | -89.9% | $1.4B | +1.6% |
| Aug 28, 2025 | $1.49 | $0.94 | -36.9% | $1.7B | +10.8% |
| Jun 12, 2025 | $0.96 | $0.96 | +0.0% | $1.7B | +16.5% |
| Nov 26, 2024 | — | $25.33 | — | $6.4B | — |
| May 25, 2024 | $5.71 | $2.08 | -63.6% | $2.4B | — |
| Dec 14, 2023 | $5.68 | $1.17 | -79.4% | $1.4B | -10.1% |
| May 23, 2023 | $2.18 | $0.01 | -99.4% | $-906M | — |
| Nov 23, 2022 | $0.77 | $0.56 | -27.3% | $2.4B | +15.3% |
| Sep 6, 2022 | $0.85 | $0.29 | -66.0% | $3.0B | -0.7% |
| May 19, 2022 | $0.76 | $0.33 | -56.6% | $2.0B | -2.3% |
GGAL insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 13, 2026 | Moret Silvestre Viladirector | Buy | 175,824 | $5.46 |
| Jul 13, 2026 | Moret Silvestre Viladirector | Buy | 224,000 | $5.36 |
| Jul 9, 2026 | Moret Silvestre Viladirector | Buy | 167,791 | $5.27 |
| Jul 9, 2026 | Moret Silvestre Viladirector | Buy | 125,000 | $5.15 |
| Jul 9, 2026 | Moret Silvestre Viladirector | Buy | 176 | $5.46 |
| Jul 9, 2026 | Moret Silvestre Viladirector | Buy | 100,000 | $5.11 |
| Jul 9, 2026 | Moret Silvestre Viladirector | Buy | 10,000 | $5.25 |
Source: GGAL SEC Form 4 filings, latest Jul 13, 2026. For informational purposes only — not investment advice.
See the full GGAL insider & 13F page →Grupo Financiero Galicia S.A. company profile
Overview
Grupo Financiero Galicia S.A. (NASDAQ:GGAL) is Argentina's leading financial services holding company, founded in 1905 and headquartered in Buenos Aires. The company has evolved from a traditional regional bank into a comprehensive financial services provider, operating through multiple business segments including banking, consumer finance, insurance, and digital financial services. With over a century of operations in Argentina, Galicia has established itself as one of the country's most significant financial institutions, serving both individual consumers and corporate clients across the nation through an extensive network of branches and digital platforms.
Business
Grupo Financiero Galicia operates as a diversified financial services conglomerate in Argentina, providing a comprehensive range of banking and financial products through four main business segments. The Banks segment forms the core of the company's operations, offering traditional banking services including savings accounts, current accounts, checking accounts, personal loans, mortgage loans, credit cards, and online banking services. This segment also provides corporate banking services such as financing products, foreign trade services, and capital market products including debt securities and financial trusts. The NaranjaX segment represents the company's consumer finance and digital payment solutions arm, focusing on credit card services, consumer loans, and electronic payment processing. NaranjaX operates as a specialized consumer finance platform that extends credit and payment services beyond traditional banking relationships. The Insurance segment offers a wide array of insurance products including life insurance, home insurance, auto insurance, personal accident coverage, and specialized business insurance products for small and medium enterprises. The Other Businesses segment encompasses private banking services for high-net-worth individuals, asset management through Fima funds, global custody services, and digital investment platforms. The company also operates investment banking services and provides stock market services to individuals, companies, and financial institutions. As of December 2021, Galicia maintained a physical presence through 312 full-service banking branches and operated 1,991 ATMs and self-service terminals across Argentina, making it one of the most accessible financial service providers in the country.
Revenue model
Grupo Financiero Galicia generates revenue through multiple streams characteristic of a diversified financial services provider. The primary revenue source comes from net interest income, earned through the spread between interest paid on deposits and interest charged on loans, including personal loans, mortgages, credit card balances, and corporate lending. The company also generates substantial income from fee-based services including account maintenance fees, transaction fees, foreign exchange services, and investment management fees. The NaranjaX consumer finance segment contributes revenue through credit card interchange fees, consumer loan origination fees, and interest income from consumer credit products. The insurance segment generates revenue through insurance premiums across various product lines including life, property, and casualty insurance. Additionally, the company earns revenue from capital markets activities including investment banking fees, securities trading, and asset management services. Several factors significantly impact the company's profitability margins. Interest rate environment directly affects net interest margins, with rising rates generally benefiting the bank's lending spreads. Argentine peso devaluation and inflation create both opportunities and challenges, as the company can benefit from repricing assets faster than liabilities, but also faces increased operational costs. Credit quality and loan loss provisions substantially impact margins, particularly during economic downturns when default rates typically increase. Regulatory changes in Argentina's financial sector can affect fee structures and capital requirements, while competition from fintech companies and digital banks puts pressure on traditional banking fees and margins. The company's ability to grow deposits at favorable rates while maintaining loan demand directly influences profitability in Argentina's volatile economic environment.
Competitive moat
Grupo Financiero Galicia possesses a moderate competitive moat built primarily on its established market position and regulatory advantages in Argentina's banking sector. The company benefits from significant barriers to entry in traditional banking, including substantial capital requirements, complex regulatory compliance, and the need for extensive physical infrastructure. With over 100 years of operations and 312 branches, Galicia has built strong customer relationships and brand recognition that create switching costs for depositors and borrowers. The company's diversified business model spanning banking, consumer finance, and insurance provides some protection against sector-specific downturns and creates cross-selling opportunities. The NaranjaX platform represents an attempt to build a digital ecosystem moat by integrating payment processing, consumer credit, and e-commerce services. However, this moat faces significant challenges from Argentina's economic volatility, which can rapidly erode the value of peso-denominated assets and create unpredictable regulatory environments. Competitive threats are emerging from multiple directions. International fintech companies and digital-first banks are increasingly penetrating the Argentine market with lower-cost structures and superior digital experiences. Local competitors with stronger capital bases or foreign backing may be better positioned to weather economic crises. Additionally, Argentina's history of banking crises and government interventions creates regulatory and political risks that can quickly undermine traditional banking advantages. The company's moat is therefore best characterized as moderately strong in stable conditions but vulnerable to the macroeconomic and political instability that periodically affects Argentina's financial sector.
Risks & safety
The margin of safety for Grupo Financiero Galicia presents a mixed picture with both strengths and significant risks tied to Argentina's economic environment. • Liquidity position: Strong cash position of $3.5 billion as of Q4 2024, representing substantial liquid assets relative to operations • Debt levels: Moderate debt-to-equity ratio of 0.59, indicating reasonable leverage but elevated from previous years • Solvency risk: Moderate concern due to negative free cash flow of -$11.5 billion in 2024, though this may reflect timing of banking operations and regulatory requirements • Valuation metrics: Attractive P/E ratio of 5.88 and P/B ratio of 1.57, suggesting potential undervaluation • Profitability: Strong ROE of 26.7% for 2024, indicating efficient capital utilization • Currency risk: Significant exposure to Argentine peso devaluation and hyperinflationary environment • Regulatory risk: Operating in Argentina's volatile regulatory environment with history of banking sector interventions • Economic sensitivity: Highly dependent on Argentina's economic stability and growth prospects
Recent development
Recent developments at Grupo Financiero Galicia reflect the company's adaptation to Argentina's challenging economic environment and digital transformation trends. The company has significantly expanded its digital banking capabilities, with increased investment in online and mobile banking platforms to serve customers who prefer digital-first interactions. This digital push has been complemented by the continued development of the NaranjaX platform, which aims to create a comprehensive consumer finance and payment ecosystem beyond traditional banking services. The company has been actively managing its balance sheet composition in response to Argentina's high inflation environment, focusing on asset-liability matching and maintaining adequate liquidity buffers. There has been a strategic emphasis on fee-based revenue streams to reduce dependence on interest rate spreads, including expansion of insurance products and wealth management services for high-net-worth clients. Operational efficiency initiatives have included branch network optimization and increased automation of routine banking processes, aimed at reducing operational costs while maintaining service quality. The company has also strengthened its risk management frameworks, particularly in credit underwriting and provisioning, to better navigate Argentina's volatile economic cycles. Additionally, Galicia has been exploring opportunities for regional expansion and partnerships that could provide some diversification away from exclusive dependence on the Argentine market, though the domestic market remains the primary focus of operations.
GGAL company profile · for informational purposes only — not investment advice.
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