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GRUPO FINANCIERO GALICIA-ADR (GGAL) Stock Fundamental Analysis

NASDAQ:GGAL - Nasdaq - US3999091008 - ADR - Currency: USD

61.95  +1.91 (+3.18%)

After market: 61.95 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GGAL. GGAL was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of GGAL have multiple concerns. GGAL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
GGAL Yearly Net Income VS EBIT VS OCF VS FCFGGAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1T -1T -2T

1.2 Ratios

GGAL has a better Return On Assets (5.87%) than 100.00% of its industry peers.
GGAL has a better Return On Equity (31.62%) than 100.00% of its industry peers.
Industry RankSector Rank
ROA 5.87%
ROE 31.62%
ROIC N/A
ROA(3y)3.25%
ROA(5y)2.82%
ROE(3y)17.25%
ROE(5y)15.38%
ROIC(3y)N/A
ROIC(5y)N/A
GGAL Yearly ROA, ROE, ROICGGAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

GGAL has a worse Profit Margin (16.67%) than 71.36% of its industry peers.
In the last couple of years the Profit Margin of GGAL has grown nicely.
The Operating Margin and Gross Margin are not available for GGAL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.61%
PM growth 5Y7.11%
GM growth 3YN/A
GM growth 5YN/A
GGAL Yearly Profit, Operating, Gross MarginsGGAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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0

2. Health

2.1 Basic Checks

Compared to 1 year ago, GGAL has more shares outstanding
The number of shares outstanding for GGAL has been increased compared to 5 years ago.
Compared to 1 year ago, GGAL has a worse debt to assets ratio.
GGAL Yearly Shares OutstandingGGAL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
GGAL Yearly Total Debt VS Total AssetsGGAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T

2.2 Solvency

GGAL has a Debt/Equity ratio of 0.76. This is a neutral value indicating GGAL is somewhat dependend on debt financing.
The Debt to Equity ratio of GGAL (0.76) is worse than 81.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GGAL Yearly LT Debt VS Equity VS FCFGGAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T -2T 4T 6T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GGAL Yearly Current Assets VS Current LiabilitesGGAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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5

3. Growth

3.1 Past

GGAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 574.92%, which is quite impressive.
GGAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 102.61% yearly.
The Revenue has grown by 187.49% in the past year. This is a very strong growth!
Measured over the past years, GGAL shows a very strong growth in Revenue. The Revenue has been growing by 107.61% on average per year.
EPS 1Y (TTM)574.92%
EPS 3Y259.16%
EPS 5Y102.61%
EPS Q2Q%639.31%
Revenue 1Y (TTM)187.49%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%31.89%

3.2 Future

Based on estimates for the next years, GGAL will show a very negative growth in Earnings Per Share. The EPS will decrease by -11.65% on average per year.
GGAL is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.51% yearly.
EPS Next Y-9.34%
EPS Next 2Y-11.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.81%
Revenue Next 2Y-7.51%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GGAL Yearly Revenue VS EstimatesGGAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2T 4T 6T 8T
GGAL Yearly EPS VS EstimatesGGAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2K 4K 6K 8K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
GGAL Price Earnings VS Forward Price EarningsGGAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GGAL Per share dataGGAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

GGAL's earnings are expected to decrease with -11.65% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.65%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

GGAL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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GRUPO FINANCIERO GALICIA-ADR

NASDAQ:GGAL (4/17/2025, 8:24:38 PM)

After market: 61.95 0 (0%)

61.95

+1.91 (+3.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-06 2025-03-06/amc
Earnings (Next)N/A N/A
Inst Owners49.88%
Inst Owner Change-0.11%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.95B
Analysts87.69
Price TargetN/A
Short Float %1.92%
Short Ratio2.61
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP32%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)71.98%
Min EPS beat(2)-65.09%
Max EPS beat(2)209.06%
EPS beat(4)3
Avg EPS beat(4)54.43%
Min EPS beat(4)-65.09%
Max EPS beat(4)209.06%
EPS beat(8)5
Avg EPS beat(8)30.4%
EPS beat(12)6
Avg EPS beat(12)15.62%
EPS beat(16)7
Avg EPS beat(16)9.67%
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)3.42%
EPS NQ rev (3m)-17.15%
EPS NY rev (1m)-0.88%
EPS NY rev (3m)-25.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)26.02%
Valuation
Industry RankSector 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 RankSector Rank
ROA 5.87%
ROE 31.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.67%
GM N/A
FCFM N/A
ROA(3y)3.25%
ROA(5y)2.82%
ROE(3y)17.25%
ROE(5y)15.38%
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 3Y20.61%
PM growth 5Y7.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.88%
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)2.24%
Cap/Sales(5y)2.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)574.92%
EPS 3Y259.16%
EPS 5Y102.61%
EPS Q2Q%639.31%
EPS Next Y-9.34%
EPS Next 2Y-11.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)187.49%
Revenue growth 3Y143.19%
Revenue growth 5Y107.61%
Sales Q2Q%31.89%
Revenue Next Year9.81%
Revenue Next 2Y-7.51%
Revenue Next 3YN/A
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-54.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-48.38%
OCF growth 3YN/A
OCF growth 5YN/A