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GRUPO FINANCIERO GALICIA-ADR (GGAL) Stock Fundamental Analysis

NASDAQ:GGAL - Nasdaq - US3999091008 - ADR

70.16  +3.09 (+4.61%)

After market: 70.16 0 (0%)

Fundamental Rating

3

GGAL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past 5 years GGAL has always been profitable.
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

With an excellent Return On Assets value of 6.24%, GGAL belongs to the best 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 has a Profit Margin of 13.52%. This is in the lower half of the industry: GGAL underperforms 77.64% of its industry peers.
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 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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1

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.
GGAL Yearly Shares OutstandingGGAL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M
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

GGAL has a Debt/Equity ratio of 0.74. This is a neutral value indicating GGAL is somewhat dependend on debt financing.
GGAL has a worse Debt to Equity ratio (0.74) than 83.42% 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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10

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 486.14% 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.
GGAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 387.91%.
Measured over the past years, GGAL shows a very strong growth in Revenue. The Revenue has been growing by 116.11% on average per year.
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

GGAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 90.08% yearly.
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

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.
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 10K

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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 90.08% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y151.5%
EPS Next 3Y90.08%

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0

5. Dividend

5.1 Amount

No dividends for GGAL!.
Industry RankSector Rank
Dividend Yield N/A

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GRUPO FINANCIERO GALICIA-ADR

NASDAQ:GGAL (1/21/2025, 8:03:12 PM)

After market: 70.16 0 (0%)

70.16

+3.09 (+4.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2024-11-07/dmh
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner Change0.47%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.36B
Analysts87.27
Price Target32.85 (-53.18%)
Short Float %4.12%
Short Ratio3.99
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)-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)0%
EPS NQ rev (3m)-10.25%
EPS NY rev (1m)0%
EPS NY rev (3m)11.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)17.03%
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)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