GRUPO FINANCIERO GALICIA-ADR (GGAL)
US3999091008 - ADR
Taking everything into account, GGAL scores 4 out of 10 in our fundamental rating. GGAL was compared to 404 industry peers in the Banks industry. GGAL may be in some trouble as it scores bad on both profitability and health. GGAL is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
Each year in the past 5 years GGAL has been profitable.
The reported operating cash flow has been mixed in the past 5 years: GGAL reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of GGAL (5.39%) is better than 100.00% of its industry peers.
GGAL's Return On Equity of 24.70% is amongst the best of the industry. GGAL outperforms 99.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.39% | ||
| ROE | 24.7% | ||
| ROIC | N/A |
ROA(3y)2.25%
ROA(5y)2.47%
ROE(3y)12%
ROE(5y)13.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GGAL has a worse Profit Margin (13.53%) than 77.56% of its industry peers.
In the last couple of years the Profit Margin of GGAL has declined.
The Operating Margin and Gross Margin are not available for GGAL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.61%
PM growth 5Y-13.14%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for GGAL remains at a similar level compared to 1 year ago.
The number of shares outstanding for GGAL has been reduced compared to 5 years ago.
GGAL has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.54 indicates that GGAL is somewhat dependend on debt financing.
GGAL's Debt to Equity ratio of 0.54 is on the low side compared to the rest of the industry. GGAL is outperformed by 74.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 607.31% over the past year.
Measured over the past years, GGAL shows a very strong growth in Earnings Per Share. The EPS has been growing by 70.92% on average per year.
The Revenue has grown by 291.96% in the past year. This is a very strong growth!
The Revenue has been growing by 116.11% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)607.31%
EPS 3Y110.88%
EPS 5Y70.92%
EPS Q2Q%605.62%
Revenue 1Y (TTM)291.96%
Revenue growth 3Y120.02%
Revenue growth 5Y116.11%
Sales Q2Q%89.53%
3.2 Future
Based on estimates for the next years, GGAL will show a very strong growth in Earnings Per Share. The EPS will grow by 90.08% on average per year.
Based on estimates for the next years, GGAL will show a very strong growth in Revenue. The Revenue will grow by 35.25% on average per year.
EPS Next Y457.66%
EPS Next 2Y151.5%
EPS Next 3Y90.08%
EPS Next 5YN/A
Revenue Next Year177.79%
Revenue Next 2Y64.59%
Revenue Next 3Y35.25%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GGAL's earnings are expected to grow with 90.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y151.5%
EPS Next 3Y90.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.55%, GGAL is a good candidate for dividend investing.
GGAL's Dividend Yield is rather good when compared to the industry average which is at 3.02. GGAL pays more dividend than 95.76% of the companies in the same industry.
GGAL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
5.2 History
GGAL has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of GGAL decreased in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
51.55% of the earnings are spent on dividend by GGAL. This is a bit on the high side, but may be sustainable.
DP51.55%
EPS Next 2Y151.5%
EPS Next 3Y90.08%
GRUPO FINANCIERO GALICIA-ADR
NASDAQ:GGAL (11/21/2024, 6:23:24 PM)
After market: 55.93 0 (0%)55.93
-1.73 (-3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap6.66B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.39% | ||
| ROE | 24.7% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 13.53% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.54 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)607.31%
EPS 3Y110.88%
EPS 5Y
EPS Q2Q%
EPS Next Y457.66%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)291.96%
Revenue growth 3Y120.02%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y