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One of Argentina's largest private financial groups (Banco Galicia), offering retail/corporate banking, insurance and payments.
One of Argentina's largest private financial groups (Banco Galicia), offering retail/corporate banking, insurance and payments.
Earns interest on loans and on large holdings of government and central-bank securities, with fees from accounts, cards and its Naranja X payments and consumer-finance arm. Argentina's inflation and interest-rate swings can move results sharply. Founding families keep control through a holding company.
In one line: Argentina's version of a large US regional bank holding company..
Moat: narrow (scale, brand, distribution). One of Argentina's largest private banks by assets with a broad branch and digital network.
Headquarters: Buenos Aires, Argentina · Founded: 1905 · Employees: 10,079
Size Grupo Financiero Galicia SA Sponsored ADR (GGAL) is a United States Financials company (Regional Banks) with a market value of $5.36B, the 1136th largest of 3,117 United States companies the cockpit tracks. Shares closed at $29.44 on 6 Nov 2026.
Performance Over six months the shares fell 29.8%, against +4.4% for the median peer and -1.1% for the United States market (cap-weighted) — lowest of 21 in its peer set.
Growth Revenue grew 3.2% over the last twelve months (peer median +5.5%); the operating margin is 18.7% (peer median 44.1%).
Valuation It trades at 0.76× book value against a peer median of 1.32× (4th cheapest of 21).
Price implies The share price implies a return on equity of about 9.6%; Grupo Financiero Galicia SA Sponsored ADR delivers 2.0%, so the price asks more than the business earns today.
Credit Grupo Financiero Galicia SA Sponsored ADR has 1 bond outstanding ($325M), rated B- by the agencies and trading like B- at a weighted spread of 382 bp.
Next results Next results expected around 9 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $10.2B | $10.6B | $11.9B | $19.5B | $9.54B |
| Revenue growth | — | -11% | -39% | +104% | — |
| Net income | $120M | $157M | $1.77B | $1.14B | $394M |
| Free cash flow | -$216M | $27.8M | $29.8M | $64.7M | -$1.23B |
| Capital expenditure | $183M | $197M | $237M | $247M | $142M |
| Total debt | $2.88B | $2.51B | $2.10B | $609M | $895M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Grupo Financiero Galicia SA Sponsored ADR GGAL | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% |
| Banco Macro SA Sponsored ADR BMA | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% |
| Grupo Supervielle SA Sponsored ADR SUPV | $567M | -29% | -5% | -7% | 0.62× | 9.2% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | GGAL | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -19.9% | +3.2% | 3rd lowest of 21 |
| 6-month return | -29.8% | +4.4% | lowest of 21 |
| Return on equity | 2.0% | 10.9% | lowest of 21 |
| Price / book | 0.76× | 1.32× | 4th cheapest of 21 |
| Trailing P/E | 39.3× | 12.3× | most expensive of 19 |
| ROE the price implies | 9.6% | 8.9% | 9th most demanding of 20 |
| ROE delivered | 2.0% | 10.9% | lowest of 21 |
| Bond spread | 382 bp | n/a | — |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
Grupo Financiero Galicia SA Sponsored ADR has 1 bond outstanding with $325M face value. The agencies rate it B-; its bonds trade like B-. Weighted yield 8.32%, a spread of 382 bp over government bonds.