GGAL
Grupo Financiero Galicia S.A.
GGAL offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over GGAL overall, supported by stronger fundamentals and lower modeled downside.
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.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
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.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over GGAL in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
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.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over GGAL on earnings, with more consistent year-over-year improvement.
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.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over GGAL on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over GGAL on profitability, with a higher operating margin.
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 has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
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.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over GGAL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
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.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over GGAL on leverage, with a lower net debt burden relative to earnings.
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).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (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.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over GGAL on valuation relative to its sector.
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.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS has the edge over GGAL on trend strength, trading above more of its moving averages.
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.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over GGAL on returns for 2026, with the stronger performance.