Grupo Financiero Galicia S.A. Logo

Grupo Financiero Galicia S.A.

GGAL

(2.5)
Stock Price

63,59 USD

4.78% ROA

30.61% ROE

4.89x PER

Market Cap.

8.188.482.852.661,80 USD

15.15% DER

5.37% Yield

14.48% NPM

Grupo Financiero Galicia S.A. Stock Analysis

Grupo Financiero Galicia S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Grupo Financiero Galicia S.A. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (26%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (10.67%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.46%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

7 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

8 PBV

The stock's high Price-to-Book Value (P/BV) ratio (10.72x) suggests it's overvalued, potentially making it an expensive investment.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-36.906) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Grupo Financiero Galicia S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Grupo Financiero Galicia S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Grupo Financiero Galicia S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Grupo Financiero Galicia S.A. Revenue
Year Revenue Growth
2000 653.227.161
2001 1.518.929.807 56.99%
2002 2.050.945.066 25.94%
2003 1.335.937.815 -53.52%
2004 1.184.119.455 -12.82%
2005 1.487.300.727 20.38%
2006 1.524.510.200 2.44%
2007 2.196.353.465 30.59%
2008 3.209.339.000 31.56%
2009 3.971.322.000 19.19%
2010 5.403.207.000 26.5%
2011 8.592.600.000 37.12%
2012 9.767.906.000 12.03%
2013 12.862.600.000 24.06%
2014 18.009.737.000 28.58%
2015 22.080.000.000 18.43%
2016 32.324.363.000 31.69%
2017 45.128.177.000 28.37%
2018 112.102.162.000 59.74%
2019 200.748.440.000 44.16%
2020 279.833.055.000 28.26%
2021 562.824.382.000 50.28%
2022 684.130.700.000 17.73%
2023 2.275.564.000.000 69.94%
2023 17.362.781.408.302 86.89%
2024 11.798.277.680.844 -47.16%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Grupo Financiero Galicia S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Grupo Financiero Galicia S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 155.997.004
2001 317.509.501 50.87%
2002 492.481.367 35.53%
2003 244.571.737 -101.36%
2004 299.024.808 18.21%
2005 392.139.103 23.75%
2006 505.957.270 22.5%
2007 670.880.431 24.58%
2008 966.213.000 30.57%
2009 1.501.377.000 35.64%
2010 1.713.815.000 12.4%
2011 3.056.359.000 43.93%
2012 3.768.650.000 18.9%
2013 4.996.700.000 24.58%
2014 6.261.102.000 20.19%
2015 12.905.000.000 51.48%
2016 11.871.729.000 -8.7%
2017 15.299.458.000 22.4%
2018 14.136.821.000 -8.22%
2019 18.047.793.000 21.67%
2020 25.136.815.000 28.2%
2021 44.457.516.000 43.46%
2022 49.300.921.000 9.82%
2023 388.280.000.000 87.3%
2023 547.748.802.000 29.11%
2024 1.315.024.000.000 58.35%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Grupo Financiero Galicia S.A. EBITDA
Year EBITDA Growth
2000 176.238.566
2001 274.218.574 35.73%
2002 -2.522.578.401 110.87%
2003 -586.510 -430000.54%
2004 170.564.711 100.34%
2005 346.068.165 50.71%
2006 168.033.616 -105.95%
2007 332.212.026 49.42%
2008 412.099.000 19.39%
2009 626.798.000 34.25%
2010 756.668.000 17.16%
2011 1.873.445.000 59.61%
2012 2.242.739.000 16.47%
2013 3.208.600.000 30.1%
2014 5.502.644.000 41.69%
2015 7.357.611.000 25.21%
2016 9.671.805.000 23.93%
2017 13.771.644.000 29.77%
2018 5.750.461.000 -139.49%
2019 50.324.431.000 88.57%
2020 70.354.018.000 28.47%
2021 97.167.723.000 27.6%
2022 70.746.458.000 -37.35%
2023 357.112.000.000 80.19%
2023 44.926.167.000 -694.89%
2024 225.422.354.192 80.07%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Grupo Financiero Galicia S.A. Gross Profit
Year Gross Profit Growth
2000 653.227.161
2001 1.518.929.807 56.99%
2002 2.050.945.066 25.94%
2003 1.335.937.815 -53.52%
2004 1.184.119.455 -12.82%
2005 1.487.300.727 20.38%
2006 1.524.510.200 2.44%
2007 2.196.353.465 30.59%
2008 3.209.339.000 31.56%
2009 3.971.322.000 19.19%
2010 5.403.207.000 26.5%
2011 8.592.600.000 37.12%
2012 9.767.906.000 12.03%
2013 12.862.600.000 24.06%
2014 18.009.737.000 28.58%
2015 22.080.000.000 18.43%
2016 32.324.363.000 31.69%
2017 45.120.435.000 28.36%
2018 112.102.162.000 59.75%
2019 200.748.440.000 44.16%
2020 279.833.055.000 28.26%
2021 562.824.382.000 50.28%
2022 558.631.700.000 -0.75%
2023 2.275.564.000.000 75.45%
2023 17.362.781.408.302 86.89%
2024 11.798.277.680.844 -47.16%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Grupo Financiero Galicia S.A. Net Profit
Year Net Profit Growth
2000 89.909.913
2001 120.056.954 25.11%
2002 -2.821.248.776 104.26%
2003 -218.014.565 -1194.06%
2004 -110.719.322 -96.91%
2005 107.192.927 203.29%
2006 -18.888.924 667.49%
2007 46.058.020 141.01%
2008 176.819.000 73.95%
2009 229.275.000 22.88%
2010 408.901.000 43.93%
2011 1.106.943.000 63.06%
2012 1.336.215.000 17.16%
2013 1.823.700.000 26.73%
2014 3.337.790.000 45.36%
2015 4.338.000.000 23.06%
2016 6.017.877.000 27.91%
2017 8.329.469.000 27.75%
2018 -4.883.244.000 270.57%
2019 29.766.703.000 116.41%
2020 38.757.771.000 23.2%
2021 60.569.787.000 36.01%
2022 48.639.400.000 -24.53%
2023 216.864.000.000 77.57%
2023 923.217.160.220 76.51%
2024 2.639.252.305.324 65.02%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Grupo Financiero Galicia S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 100%
2002 -26 104%
2003 -2 -2400%
2004 -1 0%
2005 1 0%
2006 0 0%
2007 0 0%
2008 1 100%
2009 2 0%
2010 3 66.67%
2011 9 62.5%
2012 11 20%
2013 15 28.57%
2014 26 44%
2015 33 24.24%
2016 46 28.26%
2017 78 41.03%
2018 -34 329.41%
2019 209 116.35%
2020 263 20.61%
2021 411 36.1%
2022 330 -24.62%
2023 1.471 77.62%
2023 6.260 76.52%
2024 17.899 65.03%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Grupo Financiero Galicia S.A. Free Cashflow
Year Free Cashflow Growth
2000 483.260.543
2001 974.472.235 50.41%
2002 -993.419.734 198.09%
2003 -536.668.380 -85.11%
2004 -350.112.772 -53.28%
2005 746.773.252 146.88%
2006 4.002.476.079 81.34%
2007 2.193.492.365 -82.47%
2008 1.250.345.000 -75.43%
2009 1.182.207.000 -5.76%
2010 2.658.384.000 55.53%
2011 292.510.000 -808.82%
2012 1.434.033.000 79.6%
2013 3.227.780.000 55.57%
2014 7.211.848.000 55.24%
2015 14.884.660.000 51.55%
2016 24.112.663.000 38.27%
2017 -1.814.001.000 1429.25%
2018 92.164.203.000 101.97%
2019 -53.954.849.000 270.82%
2020 176.630.052.000 130.55%
2021 272.867.858.000 35.27%
2022 561.690.561.000 51.42%
2023 52.296.808.759 -974.04%
2024 156.755.420.951 66.64%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Grupo Financiero Galicia S.A. Operating Cashflow
Year Operating Cashflow Growth
2000 534.886.809
2001 1.167.230.562 54.17%
2002 -929.600.184 225.56%
2003 -411.650.841 -125.82%
2004 -217.285.852 -89.45%
2005 855.629.095 125.39%
2006 4.184.708.555 79.55%
2007 2.450.843.172 -70.75%
2008 1.347.412.000 -81.89%
2009 1.464.760.000 8.01%
2010 2.762.967.000 46.99%
2011 457.658.000 -503.72%
2012 1.675.711.000 72.69%
2013 3.485.941.000 51.93%
2014 7.495.965.000 53.5%
2015 15.624.973.000 52.03%
2016 25.013.196.000 37.53%
2017 -884.195.000 2928.92%
2018 97.328.058.000 100.91%
2019 -48.431.593.000 300.96%
2020 183.754.006.000 126.36%
2021 282.811.126.000 35.03%
2022 580.220.776.000 51.26%
2023 251.739.891.372 -130.48%
2024 192.704.889.283 -30.63%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Grupo Financiero Galicia S.A. Capital Expenditure
Year Capital Expenditure Growth
2000 51.626.266
2001 192.758.327 73.22%
2002 63.819.549 -202.04%
2003 125.017.539 48.95%
2004 132.826.920 5.88%
2005 108.855.843 -22.02%
2006 182.232.476 40.27%
2007 257.350.806 29.19%
2008 97.067.000 -165.13%
2009 282.553.000 65.65%
2010 104.583.000 -170.17%
2011 165.148.000 36.67%
2012 241.678.000 31.67%
2013 258.161.000 6.38%
2014 284.117.000 9.14%
2015 740.313.000 61.62%
2016 900.533.000 17.79%
2017 929.806.000 3.15%
2018 5.163.855.000 81.99%
2019 5.523.256.000 6.51%
2020 7.123.954.000 22.47%
2021 9.943.268.000 28.35%
2022 18.530.215.000 46.34%
2023 199.443.082.613 90.71%
2024 35.949.468.332 -454.79%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Grupo Financiero Galicia S.A. Equity
Year Equity Growth
2000 1.429.680.844
2001 1.526.133.284 6.32%
2002 1.710.141.135 10.76%
2003 1.565.125.394 -9.27%
2004 1.645.623.367 4.89%
2005 1.771.507.829 7.11%
2006 1.773.288.913 0.1%
2007 1.872.913.794 5.32%
2008 2.091.949.000 10.47%
2009 2.341.108.000 10.64%
2010 2.851.711.000 17.91%
2011 4.080.929.000 30.12%
2012 5.571.998.000 26.76%
2013 7.549.159.000 26.19%
2014 11.027.450.000 31.54%
2015 15.592.315.000 29.28%
2016 21.814.886.999 28.52%
2017 41.235.399.999 47.1%
2018 56.598.875.000 27.14%
2019 97.416.521.000 41.9%
2020 179.860.003.000 45.84%
2021 302.566.005.000 40.56%
2022 608.877.558.000 50.31%
2023 1.258.960.000.000 51.64%
2023 2.017.729.935.650 37.61%
2024 5.958.892.117.327 66.14%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Grupo Financiero Galicia S.A. Assets
Year Assets Growth
2000 16.744.582.732
2001 12.651.716.306 -32.35%
2002 23.733.781.615 46.69%
2003 22.995.365.018 -3.21%
2004 23.833.334.335 3.52%
2005 25.624.616.283 6.99%
2006 23.602.703.579 -8.57%
2007 22.838.766.242 -3.34%
2008 24.735.790.000 7.67%
2009 27.602.366.000 10.39%
2010 35.708.063.000 22.7%
2011 51.193.026.000 30.25%
2012 63.458.271.000 19.33%
2013 83.155.800.000 23.69%
2014 107.314.478.000 22.51%
2015 161.748.000.000 33.65%
2016 242.250.624.000 33.23%
2017 341.012.560.000 28.96%
2018 565.246.177.000 39.67%
2019 664.125.034.000 14.89%
2020 1.057.950.000.000 37.23%
2021 1.681.697.000.000 37.09%
2022 3.371.637.567.000 50.12%
2023 6.266.279.000.000 46.19%
2023 10.283.955.926.063 39.07%
2024 27.329.571.280.487 62.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Grupo Financiero Galicia S.A. Liabilities
Year Liabilities Growth
2000 15.314.901.888
2001 11.125.583.021 -37.65%
2002 22.023.640.479 49.48%
2003 21.430.239.623 -2.77%
2004 22.187.710.967 3.41%
2005 23.853.108.452 6.98%
2006 21.829.414.665 -9.27%
2007 20.965.852.447 -4.12%
2008 22.643.841.000 7.41%
2009 25.261.258.000 10.36%
2010 32.856.352.000 23.12%
2011 47.112.097.000 30.26%
2012 58.588.193.000 19.59%
2013 76.208.600.000 23.12%
2014 97.068.054.000 21.49%
2015 147.263.000.000 34.09%
2016 221.897.926.000 33.63%
2017 301.712.356.000 26.45%
2018 508.647.302.000 40.68%
2019 566.708.513.000 10.25%
2020 878.090.000.000 35.46%
2021 1.379.131.000.000 36.33%
2022 164.089.635.000 -740.47%
2023 249.966.000.000 34.36%
2023 8.266.225.990.413 96.98%
2024 21.370.679.163.160 61.32%

Grupo Financiero Galicia S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
86032.9
Net Income per Share
8793.67
Price to Earning Ratio
4.89x
Price To Sales Ratio
0.65x
POCF Ratio
4.83
PFCF Ratio
7.14
Price to Book Ratio
1.06
EV to Sales
0.51
EV Over EBITDA
33.04
EV to Operating CashFlow
4.94
EV to FreeCashFlow
5.66
Earnings Yield
0.2
FreeCashFlow Yield
0.14
Market Cap
8.188,48 Bil.
Enterprise Value
6.496,70 Bil.
Graham Number
89420.76
Graham NetNet
-172496.19

Income Statement Metrics

Net Income per Share
8793.67
Income Quality
1.83
ROE
0.41
Return On Assets
0.04
Return On Capital Employed
0.06
Net Income per EBT
0.64
EBT Per Ebit
1.22
Ebit per Revenue
0.19
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.19
Pretax Profit Margin
0.23
Net Profit Margin
0.14

Dividends

Dividend Yield
0.05
Dividend Yield %
5.37
Payout Ratio
0.19
Dividend Per Share
2.37

Operating Metrics

Operating Cashflow per Share
8918.61
Free CashFlow per Share
7777.76
Capex to Operating CashFlow
0.13
Capex to Revenue
0.01
Capex to Depreciation
1.2
Return on Invested Capital
0.03
Return on Tangible Assets
0.05
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1140.85

Balance Sheet

Cash per Share
-27.560,09
Book Value per Share
40.413,25
Tangible Book Value per Share
38911.83
Shareholders Equity per Share
40413.25
Interest Debt per Share
8129.68
Debt to Equity
0.15
Debt to Assets
0.03
Net Debt to EBITDA
-8.6
Current Ratio
0
Tangible Asset Value
5.737,51 Bil.
Net Current Asset Value
-17.306,95 Bil.
Invested Capital
5310719060107
Working Capital
4.063,73 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.11

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Grupo Financiero Galicia S.A. Dividends
Year Dividends Growth
2001 0
2004 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 1 100%
2024 2 50%

Grupo Financiero Galicia S.A. Profile

About Grupo Financiero Galicia S.A.

Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Banks, NaranjaX, Insurance, and Other Businesses segments. The company's products and services cover savings, current, and checking accounts; personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services. It also offers financing products and services; consumer finance services; electronic check; global custody services; Fima funds; financial and stock market services to individuals, companies, and financial institutions; foreign trade services; and capital market and investment banking products that include debt securities, short-term securities, bills, and financial trusts. In addition, the company provides robbery, personal accident, life collective, home, life, integral pyme, pet, surety, various risks, and technical insurance products. Further, it offers private banking services to high net worth individuals; and operates digital investment platform. As of December 31, 2021, it had 312 full service banking branches; and 1,991 ATMs and self-service terminals. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

CEO
Mr. Fabian Enrique Kon
Employee
9.403
Address
Teniente General Juan D. PerOn 430
Buenos Aires, 1038

Grupo Financiero Galicia S.A. Executives & BODs

Grupo Financiero Galicia S.A. Executives & BODs
# Name Age
1 Mr. Pablo Eduardo Firvida
Investor Relations Officer
70
2 Mr. Diego H. Rivas
Chief Risk Officer
70
3 Mr. Ezequiel Valls
Chief Financial & Compliance Officer
70
4 Mr. Jose Luis Ronsini CPA
Chief Administrative Officer
70
5 Mr. Adrian Enrique Pedemonte
Head of Market Relations
70
6 Mr. Fabian Enrique Kon
GM & Chief Executive Officer
70

Grupo Financiero Galicia S.A. Competitors