GGAL

BEARISH

$47.93 Live

Grupo Financiero Galicia S.A. · NASDAQ

Target $68.06 (+42.0%)

$25.89 52W Range $66.24

GGAL Grupo Financiero Galicia S.A. - Fundamental Analysis

BEARISH

Console Chart News

GGAL Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$47.93

Analyst Target

$68.06

+42.0% Upside

52W High

$66.24

52W Low

$25.89

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026

Market cap

$8.04B

P/E

53.85

ROE

2.5%

Profit margin

3.1%

Debt/Equity

N/A

Dividend yield

3.33%

AI Analysis

AI-powered fundamental assessment

Confidence

90%

The deterministic health profile is critically weak, highlighted by a Piotroski F-Score of 2/9 and a massive valuation gap where the current price ($47.93) trades at a significant premium to the Graham Number ($8.34) and Intrinsic Value ($6.23). While long-term price performance has been exceptional, current fundamentals show severe deterioration, including a negative YoY revenue growth of 10% and a catastrophic earnings surprise trend (-149.13% over the last 4 quarters). The dividend is unsustainable with a payout ratio of 123.58%, suggesting capital erosion. Despite bullish analyst targets, the hard data indicates a high-risk, overvalued asset.

Key Strengths

Strong long-term price appreciation (5Y Change: +740.1%)

Positive short-term momentum (6M Change: +41.4%)

Low Forward P/E (6.32) suggesting expected earnings recovery

Strong analyst buy recommendation (9 analysts)

Positive Q/Q revenue growth (39.09%)

Key Risks

Critical financial health (Piotroski F-Score 2/9)

Extreme overvaluation relative to book value (P/B 13.81)

Unsustainable dividend payout ratio (123.58%)

Consistent failure to meet earnings estimates (0/4 beats in last 4 quarters)

Severe discrepancy between market price and defensive fair value (Graham Number)

AI Fair Value Estimate

Based on comprehensive analysis

$8.34

-82.6% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Overvalued

Key drivers: Piotroski F-Score, Price-to-Book Ratio, Dividend Payout Ratio, Earnings Surprise Trend

Confidence

95%

Value

10/100

Ref P/E, PEG, Graham Number

Positives

Low Forward P/E

Watchpoints

P/B of 13.81 is extreme for a regional bank
Price is ~5.7x the Graham Number
Trailing P/E of 53.85 is high

Future

35/100

Ref Growth rates

Positives

Strong Q/Q revenue growth
Bullish analyst target price ($68.06)

Watchpoints

Negative YoY revenue growth (-10%)
Year-over-Year EPS growth of -109%

Past

85/100

Ref Historical trends

Positives

Massive 5-year and 3-year returns
Strong recovery in the last 6 months

Watchpoints

Recent 1-year return is slightly negative (-5%)

Health

15/100

Ref Altman Z-Score, Piotroski F-Score

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score of 2/9 indicates weak financial health
Operating margin is negative (-3.54%)
ROE is very low (2.49%)

Dividend

10/100

Ref Yield, Payout

Positives

Current yield of 3.33%

Watchpoints

Payout ratio of 123.58% is fundamentally unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$47.93

Analyst Target

$68.06

Upside/Downside

+42.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for GGAL and closest competitors.

Updated 2026-04-09

Company	5Y	3Y	1Y	6M	1M	1W
GGAL Grupo Financiero Galicia S.A. Primary	+740.1%	+417.2%	-5.0%	+41.4%	+8.9%	+3.7%
AXS AXIS Capital Holdings Limited Peer	+139.7%	+87.3%	+17.7%	+5.2%	-6.3%	+2.1%
BPOP Popular, Inc. Peer	+138.1%	+95.5%	+24.0%	+7.1%	-3.2%	-4.8%
BOKF BOK Financial Corporation Peer	+89.8%	+43.0%	+22.1%	+26.9%	+8.8%	+3.0%
AMG Affiliated Managers Group, Inc. Peer	+181.7%	+94.2%	+71.8%	+48.2%	+9.8%	-1.9%

GGA

Grupo Financiero Galicia S.A.

Primary

+740.1%

+417.2%

-5.0%

+41.4%

+8.9%

+3.7%

AXS

AXIS Capital Holdings Limited

Peer

+139.7%

+87.3%

+17.7%

+5.2%

-6.3%

+2.1%

BPO

Popular, Inc.

Peer

+138.1%

+95.5%

+24.0%

+7.1%

-3.2%

-4.8%

BOK

BOK Financial Corporation

Peer

+89.8%

+43.0%

+22.1%

+26.9%

+8.8%

+3.0%

AMG

Affiliated Managers Group, Inc.

Peer

+181.7%

+94.2%

+71.8%

+48.2%

+9.8%

-1.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

53.85

6.32

N/A

13.81

0.0

0.27

N/A

$8.04B

Profitability

Profit margins and return metrics

Profit Margin 3.09%

Operating Margin -3.54%

Gross Margin N/A

ROE 2.49%

ROA 0.44%

Growth

Revenue and earnings growth rates

Revenue Growth -10.0%

Earnings Growth N/A

Q/Q Revenue Growth +39.09%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$3115.14

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$2685.4B

Net Margin

-1.9%

Total Assets

$45779.1B

Liabilities

$38012.3B

Equity

$7766.5B

Debt/Equity

4.89x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-26

$N/A

2026-03-05

$-0.37

-178.1% surprise

2025-11-25

$-0.38

-239.7% surprise

2025-08-26

$0.79

-29.6% surprise

Financial Services Sector Comparison

Comparing GGAL against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)

P/E Ratio

53.85

This Stock

55.13

Sector Avg

-2.3% (Discount)

Return on Equity (ROE)

2.49%

This Stock

-0.93%

Sector Avg

-368.7% (Below Avg)

Profit Margin

3.09%

This Stock

69.73%

Sector Avg

-95.6% (Weaker)

Revenue Growth

-10.0%

This Stock

32.66%

Sector Avg

-130.6% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
GGAL Grupo Financiero Galicia S.A.	BEARISH	$8.04B	53.85	2.5%	3.1%	$47.93
AXS AXIS Capital Holdings Limited	NEUTRAL	$7.98B	8.53	16.3%	16.1%	$102.07	Compare
BPOP Popular, Inc.	NEUTRAL	$8.24B	11.22	13.1%	27.0%	$121.97	Compare
BOKF BOK Financial Corporation	NEUTRAL	$8.36B	14.41	10.1%	26.6%	$132.12	Compare
AMG Affiliated Managers Group, Inc.	BULLISH	$9.09B	19.73	16.2%	26.0%	$319.82	Compare

GGAL Grupo Financiero...

BEARISH

Mkt Cap

$8.0B

P/E

53.9

ROE

2.5%

Price

$47.93

Compare with GGAL

Compare with GGAL

BOKF BOK Financial...

Compare with GGAL

Compare with GGAL

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

9 analysts

JP Morgan

2026-02-19

Maintains

Overweight Overweight

UBS

2025-11-19

init

Neutral

Citigroup

2025-11-03

Neutral Buy

JP Morgan

2025-10-28

Neutral Overweight

JP Morgan

2025-10-22

down

Overweight Neutral

Past News Coverage

Recent headlines mentioning GGAL from our newsroom.

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GGAL

GGAL Grupo Financiero Galicia S.A. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Wall Street Analysts

Past News Coverage

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