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Upturn AI SWOT - About
GGAL 
Grupo Financiero Galicia SA ADR (GGAL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/29/2025: GGAL (5-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $80.4
1 Year Target Price $80.4
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 174.21% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.38B USD | Price to earnings Ratio 5.68 | 1Y Target Price 80.4 |
Price to earnings Ratio 5.68 | 1Y Target Price 80.4 | ||
Volume (30-day avg) 5 | Beta 0.73 | 52 Weeks Range 38.23 - 73.15 | Updated Date 08/30/2025 |
52 Weeks Range 38.23 - 73.15 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 1.45% | Basic EPS (TTM) 6.91 |
Earnings Date
Report Date 2025-08-28 | When - | Estimate 1.13 | Actual 0.7944 |
Profitability
Profit Margin 21.02% | Operating Margin (TTM) 18.08% |
Management Effectiveness
Return on Assets (TTM) 4.34% | Return on Equity (TTM) 22.32% |
Valuation
Trailing PE 5.68 | Forward PE 3.46 | Enterprise Value -3788177408000 | Price to Sales(TTM) - |
Enterprise Value -3788177408000 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.68 | Enterprise Value to EBITDA - | Shares Outstanding 132503000 | Shares Floating 953246002 |
Shares Outstanding 132503000 | Shares Floating 953246002 | ||
Percent Insiders 9.84 | Percent Institutions 26.57 |
Upturn AI SWOT
Grupo Financiero Galicia SA ADR
Company Overview
History and Background
Grupo Financiero Galicia S.A. (GGAL) was founded in Argentina in 1905. Initially a small family bank, it has grown into a diversified financial services conglomerate with operations across Argentina.
Core Business Areas
- Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and credit cards.
- Insurance: Offers various insurance products, including life, property, and casualty insurance.
- Asset Management: Manages investment portfolios for individuals and institutions.
- Other Financial Services: Includes brokerage services, leasing, and other financial solutions.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure is hierarchical, with distinct divisions for each core business area.
Top Products and Market Share
Key Offerings
- Personal Loans: Personal loans offer lending services to Argentinians. Competitors include Banco Macro (BMA), BBVA Argentina, and Banco Santander Argentina (BSAR).
- Credit Cards: GGAL is one of Argentina's largest credit card issuer. Competitors include Banco Macro (BMA), BBVA Argentina, and Banco Santander Argentina (BSAR).
Market Dynamics
Industry Overview
The Argentine financial services industry is characterized by a mix of domestic and international players. The industry is influenced by the country's economic volatility and regulatory environment.
Positioning
Grupo Financiero Galicia is one of the largest financial groups in Argentina. Competitive advantages stem from its established brand, extensive distribution network, and diversified service offerings.
Total Addressable Market (TAM)
The TAM of the Argentine financial services market is difficult to quantify precisely due to economic volatility, but is estimated to be in the tens of billions of USD. GGAL is positioned as a major player with a significant share, aiming to expand its reach through digital initiatives.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Argentina
- Diversified business model
- Extensive distribution network
- Experienced management team
Weaknesses
- Exposure to Argentine economic volatility
- Regulatory risks
- High inflation environment
- Reliance on the Argentine market
Opportunities
- Expansion of digital banking services
- Growth in the insurance sector
- Increased demand for asset management services
- Opportunities in the agricultural sector
Threats
- Economic instability in Argentina
- Increased competition from fintech companies
- Changes in government regulations
- Currency fluctuations
Competitors and Market Share
Key Competitors
- BMA
- BSAR
Competitive Landscape
GGAL benefits from its strong brand and established presence. However, competition is intensifying from local players as well as fintech companies. The Argentine financial sector is very concentrated.
Growth Trajectory and Initiatives
Historical Growth: Please note that providing accurate and up-to-date financial metrics requires access to real-time financial data, which cannot be reliably accessed and refreshed through this interface. To get financial data, you should refer to financial data providers
Future Projections: Please note that providing accurate and up-to-date financial metrics requires access to real-time financial data, which cannot be reliably accessed and refreshed through this interface. To get financial data, you should refer to financial data providers
Recent Initiatives: Grupo Financiero Galicia has been focused on expanding its digital banking offerings and improving customer experience through technology investments.
Summary
Grupo Financiero Galicia is a major player in the Argentine financial sector, benefiting from its brand and diverse offerings. Its profitability is affected by Argentina's volatile economic climate. The company is investing in digital initiatives, which presents upside. The unstable economic environment, regulatory pressures, and increased competition pose threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news outlets
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on thorough research and consultation with a financial professional.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Grupo Financiero Galicia SA ADR
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2000-07-25 | GM & CEO Mr. Fabian Enrique Kon | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 11316 | Website https://www.gfgsa.com |
Full time employees 11316 | Website 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 Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; personal loans; express and mortgage loans; overdrafts; pledge and credit card loans; credit and debit cards; and online banking services. In addition, the company offers financing products; mutual funds; asset management services; consumer finance and digital banking services; electronic check; global custody services; Fima funds; foreign trade services; and capital market and investment banking products. Further, it provides robbery, personal accident, cars, life, home, life, integral SMEs, personal accident, and other insurance products; payment solutions; and financial and brokerage related products. Additionally, the company offers private banking services to high net worth individuals; and operates digital investment platform. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.
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