Snowflake Score | |
---|---|
Valuation | 1/6 |
Future Growth | 3/6 |
Past Performance | 3/6 |
Financial Health | 5/6 |
Dividends | 4/6 |
GGAL Stock Overview
Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina.
Grupo Financiero Galicia Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | AR$222.20 |
52 Week High | AR$263.90 |
52 Week Low | AR$143.95 |
Beta | 2.58 |
1 Month Change | 11.43% |
3 Month Change | 25.40% |
1 Year Change | 52.82% |
3 Year Change | 27.30% |
5 Year Change | 228.94% |
Change since IPO | 12,818.61% |
Recent News & Updates
Shareholder Returns
GGAL | AR Banks | AR Market | |
---|---|---|---|
7D | -1.6% | -1.7% | -1.2% |
1Y | 52.8% | 45.9% | 78.8% |
Return vs Industry: GGAL exceeded the AR Banks industry which returned 45.9% over the past year.
Return vs Market: GGAL underperformed the AR Market which returned 78.8% over the past year.
Price Volatility
GGAL volatility | |
---|---|
GGAL Average Weekly Movement | 5.8% |
Banks Industry Average Movement | 7.2% |
Market Average Movement | 6.3% |
10% most volatile stocks in AR Market | 8.4% |
10% least volatile stocks in AR Market | 5.0% |
Stable Share Price: GGAL is not significantly more volatile than the rest of AR stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: GGAL's weekly volatility (6%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1905 | n/a | Fabian Enrique Kon | https://www.gfgsa.com |
Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Banks, NaranjaX, Insurance, and Other Businesses segments. The company’s products and services cover savings, current, and checking accounts; personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services.
Grupo Financiero Galicia Fundamentals Summary
GGAL fundamental statistics | |
---|---|
Market Cap | AR$327.68b |
Earnings (TTM) | AR$34.80b |
Revenue (TTM) | AR$303.79b |
9.4x
P/E Ratio0.9x
P/B RatioIs GGAL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
GGAL income statement (TTM) | |
---|---|
Revenue | AR$303.79b |
Cost of Revenue | AR$8.22b |
Gross Profit | AR$295.57b |
Other Expenses | AR$260.77b |
Earnings | AR$34.80b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 23.60 |
Gross Margin | 97.29% |
Net Profit Margin | 11.45% |
Debt/Equity Ratio | 63.1% |
How did GGAL perform over the long term?
See historical performance and comparisonDividends
3.4%
Current Dividend Yield32%
Payout RatioValuation
Is GGAL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for GGAL?
Other financial metrics that can be useful for relative valuation.
What is GGAL's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | AR$327.68b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 0.3x |
Price to Earnings Ratio vs Peers
How does GGAL's PE Ratio compare to its peers?
GGAL PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 6.7x | ||
BMA Banco Macro | 8x | 6.1% | AR$234.8b |
BBAR Banco BBVA Argentina | 7.5x | 7.8% | AR$155.6b |
BPAT Banco Patagonia | 9.8x | n/a | AR$67.4b |
BPE BPER Banca | 1.6x | -24.7% | €2.2b |
GGAL Grupo Financiero Galicia | 9.4x | 27.3% | AR$327.7b |
Price-To-Earnings vs Peers: GGAL is expensive based on its Price-To-Earnings Ratio (9.4x) compared to the peer average (6.7x).
Price to Earnings Ratio vs Industry
How does GGAL's PE Ratio compare vs other companies in the South American Banks Industry?
Price-To-Earnings vs Industry: GGAL is expensive based on its Price-To-Earnings Ratio (9.4x) compared to the South American Banks industry average (7.7x)
Price to Earnings Ratio vs Fair Ratio
What is GGAL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 9.4x |
Fair PE Ratio | 13.4x |
Price-To-Earnings vs Fair Ratio: GGAL is good value based on its Price-To-Earnings Ratio (9.4x) compared to the estimated Fair Price-To-Earnings Ratio (13.4x).
Share Price vs Fair Value
What is the Fair Price of GGAL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: GGAL (ARS222.2) is trading above our estimate of fair value (ARS32.15)
Significantly Below Fair Value: GGAL is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
Discover undervalued companies
Future Growth
How is Grupo Financiero Galicia forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Future Growth Score
3/6Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
27.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GGAL's forecast earnings growth (27.3% per year) is above the savings rate (7.7%).
Earnings vs Market: GGAL's earnings (27.3% per year) are forecast to grow faster than the AR market (21% per year).
High Growth Earnings: GGAL's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: GGAL's revenue (8.6% per year) is forecast to grow slower than the AR market (19.2% per year).
High Growth Revenue: GGAL's revenue (8.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GGAL's Return on Equity is forecast to be low in 3 years time (13.2%).
Discover growth companies
Past Performance
How has Grupo Financiero Galicia performed over the past 5 years?
Past Performance Score
3/6Past Performance Score 3/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
36.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GGAL has high quality earnings.
Growing Profit Margin: GGAL's current net profit margins (11.5%) are higher than last year (10%).
Past Earnings Growth Analysis
Earnings Trend: GGAL's earnings have grown significantly by 36.3% per year over the past 5 years.
Accelerating Growth: GGAL's earnings growth over the past year (17.7%) is below its 5-year average (36.3% per year).
Earnings vs Industry: GGAL earnings growth over the past year (17.7%) underperformed the Banks industry 34.3%.
Return on Equity
High ROE: GGAL's Return on Equity (9.8%) is considered low.
Discover strong past performing companies
Financial Health
How is Grupo Financiero Galicia's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
5/6Financial Health Score 5/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GGAL's Assets to Equity ratio (5.1x) is low.
Allowance for Bad Loans: GGAL has a sufficient allowance for bad loans (153%).
Low Risk Liabilities: 76% of GGAL's liabilities are made up of primarily low risk sources of funding.
Loan Level: GGAL has an appropriate level of Loans to Assets ratio (42%).
Low Risk Deposits: GGAL's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: GGAL has a high level of bad loans (3.4%).
Discover healthy companies
Dividend
What is Grupo Financiero Galicia current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
3.36%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GGAL's dividend (3.36%) is higher than the bottom 25% of dividend payers in the AR market (0.67%).
High Dividend: GGAL's dividend (3.36%) is low compared to the top 25% of dividend payers in the AR market (4.5%).
Stability and Growth of Payments
Stable Dividend: GGAL's dividend payments have been volatile in the past 10 years.
Growing Dividend: GGAL's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (31.6%), GGAL's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: GGAL's dividends in 3 years are forecast to be well covered by earnings (18.5% payout ratio).
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.8yrs
Average management tenure
CEO
Fabian Enrique Kon
2.08yrs
Tenure
Mr. Fabian Enrique Kon has been General Manager and Chief Executive Officer at Grupo Financiero Galicia SA since July 2020. Mr. Kon has been Chief Executive Officer at Banco de Galicia y Buenos Aires SAU(f...
Leadership Team
Experienced Management: GGAL's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Board Members
Experienced Board: GGAL's board of directors are seasoned and experienced ( 11.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Grupo Financiero Galicia S.A.'s employee growth, exchange listings and data sources
Key Information
- Name: Grupo Financiero Galicia S.A.
- Ticker: GGAL
- Exchange: BASE
- Founded: 1905
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: AR$327.677b
- Shares outstanding: 1.47b
- Website: https://www.gfgsa.com
Number of Employees
Location
- Grupo Financiero Galicia S.A.
- Teniente General Juan D. Perón 430
- 25th Floor
- Buenos Aires
- Capital Federal
- 1038
- Argentina
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/08/07 00:00 |
End of Day Share Price | 2022/08/05 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.