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GRUPO FINANCIERO GALICIA-ADR (GGAL) Stock Fundamental Analysis

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

59.28  +1.63 (+2.83%)

Fundamental Rating

3

Overall GGAL gets a fundamental rating of 3 out of 10. We evaluated GGAL against 405 industry peers in the Banks industry. Both the profitability and financial health of GGAL have multiple concerns. GGAL is valued quite expensively, but it does show have an excellent growth rating.


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.
In multiple years GGAL reported negative operating cash flow during the last 5 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 0 -500B -1T -1.5T

1.2 Ratios

Looking at the Return On Assets, with a value of 6.24%, GGAL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
GGAL's Return On Equity of 32.42% is amongst the best of the industry. GGAL outperforms 100.00% of its industry peers.
Industry RankSector 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
GGAL Yearly ROA, ROE, ROICGGAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

1.3 Margins

GGAL's Profit Margin of 13.52% is on the low side compared to the rest of the industry. GGAL is outperformed by 78.20% 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 RankSector 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
GGAL Yearly Profit, Operating, Gross MarginsGGAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

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0

2. Health

2.1 Basic Checks

Compared to 1 year ago, GGAL has about the same amount of shares outstanding.
GGAL has more shares outstanding than it did 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 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 2T 4T 6T 8T 10T

2.2 Solvency

A Debt/Equity ratio of 0.74 indicates that GGAL is somewhat dependend on debt financing.
GGAL has a worse Debt to Equity ratio (0.74) than 82.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
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 0 1T -1T 2T

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 100B 200B 300B

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 480.28% over the past year.
GGAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 70.92% yearly.
The Revenue has grown by 387.91% in the past year. This is a very strong growth!
GGAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 116.11% yearly.
EPS 1Y (TTM)480.28%
EPS 3Y110.88%
EPS 5Y70.92%
EPS Q2Q%207.17%
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 70.59% on average over the next years. This is a very strong growth
Based on estimates for the next years, GGAL will show a very strong growth in Revenue. The Revenue will grow by 30.78% on average per year.
EPS Next Y454.08%
EPS Next 2Y152.67%
EPS Next 3Y70.59%
EPS Next 5YN/A
Revenue Next Year206.45%
Revenue Next 2Y77.92%
Revenue Next 3Y30.78%
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 stable.
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.
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
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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1

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

A more expensive valuation may be justified as GGAL's earnings are expected to grow with 70.59% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y152.67%
EPS Next 3Y70.59%

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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 (2/26/2025, 12:52:06 PM)

59.28

+1.63 (+2.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2024-11-07/dmh
Earnings (Next)03-11 2025-03-11/amc
Inst Owners49.88%
Inst Owner Change-86.01%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.44B
Analysts87.69
Price TargetN/A
Short Float %2.51%
Short Ratio3.28
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP43.73%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-18%
Min EPS beat(2)-65.09%
Max EPS beat(2)29.09%
EPS beat(4)3
Avg EPS beat(4)12.25%
Min EPS beat(4)-65.09%
Max EPS beat(4)44.66%
EPS beat(8)5
Avg EPS beat(8)5.32%
EPS beat(12)6
Avg EPS beat(12)-1.66%
EPS beat(16)6
Avg EPS beat(16)-7.19%
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)-32.22%
EPS NQ rev (3m)-38.57%
EPS NY rev (1m)-26.45%
EPS NY rev (3m)-25.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.66%
Revenue NY rev (3m)11.4%
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 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 RankSector 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)480.28%
EPS 3Y110.88%
EPS 5Y70.92%
EPS Q2Q%207.17%
EPS Next Y454.08%
EPS Next 2Y152.67%
EPS Next 3Y70.59%
EPS Next 5YN/A
Revenue 1Y (TTM)387.91%
Revenue growth 3Y120.02%
Revenue growth 5Y116.11%
Sales Q2Q%120.51%
Revenue Next Year206.45%
Revenue Next 2Y77.92%
Revenue Next 3Y30.78%
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