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 406 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
GGAL had positive earnings in each of the past 5 years.
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
GGAL's Return On Assets of 6.24% is amongst the best of the industry. GGAL outperforms 100.00% of its industry peers.
GGAL has a Return On Equity of 32.42%. This is amongst the best in the industry. GGAL outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.24% | ||
| ROE | 32.42% | ||
| 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
Looking at the Profit Margin, with a value of 13.52%, GGAL is doing worse than 77.23% of the companies in the same industry.
In the last couple of years the Profit Margin of GGAL has declined.
GGAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.52% | ||
| 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
GGAL has about the same amout of shares outstanding than it did 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 0.74 indicates that GGAL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.74, GGAL is not doing good in the industry: 82.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| 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
GGAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 486.14%, which is quite impressive.
GGAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 70.92% yearly.
Looking at the last year, GGAL shows a very strong growth in Revenue. The Revenue has grown by 387.91%.
The Revenue has been growing by 116.11% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)486.14%
EPS 3Y110.88%
EPS 5Y70.92%
EPS Q2Q%210.6%
Revenue 1Y (TTM)387.91%
Revenue growth 3Y120.02%
Revenue growth 5Y116.11%
Sales Q2Q%120.51%
3.2 Future
The Earnings Per Share is expected to grow by 90.08% on average over the next years. This is a very strong growth
GGAL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.25% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 4.84%, GGAL is a good candidate for dividend investing.
GGAL's Dividend Yield is rather good when compared to the industry average which is at 3.15. GGAL pays more dividend than 94.80% of the companies in the same industry.
GGAL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.84% |
5.2 History
GGAL has been paying a dividend for at least 10 years, so it has a reliable track record.
GGAL has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
43.73% of the earnings are spent on dividend by GGAL. This is a bit on the high side, but may be sustainable.
DP43.73%
EPS Next 2Y151.5%
EPS Next 3Y90.08%
GRUPO FINANCIERO GALICIA-ADR
NASDAQ:GGAL (12/20/2024, 8:14:33 PM)
After market: 63.59 0 (0%)63.59
+2.29 (+3.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.43%
Inst Owner Change32.61%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.57B
Analysts87.27
Price Target32.85 (-48.34%)
Short Float %0.33%
Short Ratio3.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.84% |
Dividend Growth(5Y)N/A
DP43.73%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-17.2%
Min EPS beat(2)-64.75%
Max EPS beat(2)30.35%
EPS beat(4)3
Avg EPS beat(4)13.35%
Min EPS beat(4)-64.75%
Max EPS beat(4)46.08%
EPS beat(8)5
Avg EPS beat(8)6.35%
EPS beat(12)6
Avg EPS beat(12)-0.7%
EPS beat(16)6
Avg EPS beat(16)-6.29%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-10.25%
EPS NQ rev (3m)11.13%
EPS NY rev (1m)0%
EPS NY rev (3m)38.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-11.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | N/A | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)N/A
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpSN/A
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.24% | ||
| ROE | 32.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.52% | ||
| GM | N/A | ||
| FCFM | 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score4
Asset Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.69% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.53%
Cap/Sales(5y)3.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)486.14%
EPS 3Y110.88%
EPS 5Y70.92%
EPS Q2Q%210.6%
EPS Next Y457.66%
EPS Next 2Y151.5%
EPS Next 3Y90.08%
EPS Next 5YN/A
Revenue 1Y (TTM)387.91%
Revenue growth 3Y120.02%
Revenue growth 5Y116.11%
Sales Q2Q%120.51%
Revenue Next Year177.79%
Revenue Next 2Y64.59%
Revenue Next 3Y35.25%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-75.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-23.18%
OCF growth 3YN/A
OCF growth 5YN/A