Obermatt

Grupo Financiero Galicia

BUE:GGAL2 · ARP495251018
BanksMedium

360

55
Profit price1
Cash yield49
Price/Sales77
EV / Gross Profit78
Price/Book27
Returns on capital9
Profit margins
Cash Conversion1
Accruals1
Owner Earnings Margin1
Sales growth97
Profit Growth68
Long-Term EPS Growth97
Owner Earnings Growth1
Reinvestment94
Price momentum59
Debt load54
Debt serviceability41
Liquidity86
Analyst ratings89
Opinion Changes50
Price Target Upside96
Market mood89
Value Creation7/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Grupo Financiero Galicia clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryArgentina
IndustryBanks
SizeMedium
TypePublic Company
ExchangeBASE
Founded1999
Employees12
ISINARP495251018
Last UpdateApr 2, 2026
Themes
Consumer LendingDigital BrokerageElectronic Money Institutions (EMIs)AgriTechOnline PaymentsInsurtechBankingCreditFinanceFinancial ServicesInsuranceLending

Description

Grupo Financiero Galicia S.A. operates as a financial services holding company. The company conducts its business through the following subsidiaries and joint ventures: Banco Galicia; Tarjetas Regionales, commercially known as ‘Naranja X’; Galicia A…

Analysis

Story stock

Grupo Financiero Galicia S.A. is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is expensive. You pay 84.4× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone. At today's price, the market is assuming roughly 26% yearly growth; analysts expect 72%. The price, in other words, assumes less than the experts do.

The trajectory is solid and accelerating and the balance sheet is stretched. The company scores 7/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
100
202320242026

All-time high

100

Jun 2026

All-time low

9

Jan 2024

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
77
95
93
Price/Earnings
21
2
35
Price/Book
27
5
36
Dividend Yield
49
43
24
Value (overall)
40
33
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →