GGAL
Grupo Financiero Galicia S.A.
GGAL's fundamentals are mixed: revenue grew 75%, but its operating margin fell 17 points to 1.5%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
GGAL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| N/A | |
| N/A |
GGAL's revenue is currently healthy, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like GGAL.
GGAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.9x | $3.40 | -88% |
| Fair | 5.9x | $5.21 | -82% |
| Expensive | 13x | $11.55 | -60% |
| Current | 33x | $29.04 | — |
Historical ranges are pointers, not guarantees.
GGAL's PE is 33x, but its earnings don't support one, so it isn't a reliable read right now.
GGAL Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for GGAL, with profitability improving.
GGAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.88 | -80% |
| Q1 2026 | $0.53 | -92% |
| Q4 2025 | $0.33 | -96% |
| Q3 2025 | $3.21 | -27% |
| Q2 2025 | $4.47 | +6.2% |
| Q1 2025 | $6.29 | +137% |
| Q4 2024 | $7.91 | +523% |
| Q3 2024 | $4.41 | +123% |
GGAL's earnings per share have fallen from their peak: $0.88 over the past year, against $7.91 in late 2024.
GGAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1.8B | +33% |
| Q1 2026 | $1.7B | +72% |
| Q4 2025 | $4.5B | +153% |
| Q3 2025 | $1.3B | +7.8% |
| Q2 2025 | $1.4B | -17% |
| Q1 2025 | $964.2M | -64% |
| Q3 2024 | $1.2B | -47% |
| Q2 2024 | $1.6B | +81% |
GGAL's revenue has grown year over year for four quarters in a row: $1.8B last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 14% | +1.1 points |
| Q1 2026 | 2.7% | -13 points |
| Q4 2025 | -1.1% | -28 points |
| Q3 2025 | -8.8% | -23 points |
| Q2 2025 | 13% | -22 points |
| Q1 2025 | 16% | +2.1 points |
| Q4 2024 | 27% | N/A |
| Q3 2024 | 14% | +7.5 points |
GGAL's operating margin was 14% last quarter, up 1.1 points from the same quarter a year ago.
GGAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$452.7M | +$434.2M |
| Q1 2026 | $460.7M | +$1.2B |
| Q4 2025 | -$1.8B | -$922.9M |
| Q3 2025 | $4.9B | +$6.3B |
| Q2 2025 | -$886.9M | -209% |
| Q1 2025 | -$760M | -869% |
| Q4 2024 | -$917.7M | +$359.2M |
| Q3 2024 | -$1.4B | -$855.6M |
GGAL's free cash flow was $3.1B over the past year, against −$3.9B the year before. Free cash flow isn't a meaningful measure for financial services companies like GGAL.
GGAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +22.6K shares |
| 1 year | 0% | +22.6K shares |
| 3 years | +8.6% | +12.7M shares |
| 5 years | +8.6% | +12.7M shares |
| Available history | +12% | +17.5M shares |
GGAL has 161M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q4 2024 | $633,823 |
| Q3 2024 | — |
| Q2 2024 | — |
GGAL hasn't bought back shares in the past year.
GGAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -5.0x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -8.9x | Net Cash |
| Q3 2025 | -4.4x | Net Cash |
| Q2 2025 | -2.2x | Net Cash |
| Q1 2025 | -2.6x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
| Q3 2024 | -3.1x | Net Cash |
GGAL has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GGAL.
GGAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 31.2 | Neutral |
| Stochastic | 1.6 | Oversold |
GGAL's weekly RSI is 31 (neutral) and its Stochastic is 2 (oversold).
GGAL PE vs Financial Services Sector
| Metric | GGAL | Sector median | Relative |
|---|---|---|---|
| PE | 33x | 13x | 154% above |
| PE % | 91 | 63 | 28 pts above |
GGAL is trading at 33x earnings, a 154% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
GGAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.5 | 16% below |
| 20 week MA | $41.6 | 30% below |
| 50 week MA | $45.6 | 36% below |
| 100 week MA | $49.2 | 41% below |
| 200 week MA | $36.8 | 21% below |
GGAL is in a downtrend: it's below all five of its weekly moving averages, and 21% below its 200-week average.
GGAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.4 | $8.68 | -47% |
| 2021 | $8.68 | $9.69 | +12% |
| 2022 | $9.69 | $9.28 | -4.2% |
| 2023 | $9.28 | $17.3 | +86% |
| 2024 | $17.3 | $64.3 | +272% |
| 2025 | $64.3 | $55.6 | -14% |
| 2026 YTD | $55.6 | $29.0 | -48% |
GGAL's yearly returns have swung widely, from +272% in 2024 to −47% in 2020. It's down 48% so far in 2026.