Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Grupo Financiero Galicia SA ADR(GGAL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for GGAL
10/23/2026: GGAL (3-star) is currently NOT-A-BUY. Pass it for now.
Grupo Financiero Galicia is a prominent Argentine financial holding company, best known for its subsidiary Banco Galicia. The stock provides a direct play on the Argentine financial sector, benefitting from an extensive, established brand presence and a growing digital banking initiative. While the company holds a leading position in private retail and corporate banking, its prospects are heavily influenced by Argentina's high macroeconomic volatility and regulatory shifts. It best suits investors comfortable with high-risk, high-volatility environments who are seeking exposure to regional growth. Key developments to monitor include domestic inflation trends, regulatory changes in the banking sector, and the bank’s ongoing digital modernization efforts.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The stock offers growth potential driven by Argentine market development but is tempered by extreme macroeconomic volatility. |
| Momentum investor | Strong fit while signal remains positive | The stock is highly liquid and frequently exhibits strong momentum trends correlated with sentiment on Argentina's economic outlook. |
| Value investor | Strong fit | Often trades at low valuation multiples due to country risk, potentially offering value for those comfortable with the jurisdiction. |
| Dividend investor | Weak fit | Irregular dividend payments make it unsuitable for investors seeking reliable, steady income. |
| Low-risk investor | Weak fit | High sensitivity to political and economic instability makes this a high-risk investment. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock experiences significant price swings driven by local economic updates and political changes. |
| Valuation risk | Medium | Valuations are often depressed by country risk premiums rather than underlying business quality. |
| Competition risk (Fintech competition) | Medium / high | Traditional banks face significant pressure from agile, low-cost digital payment platforms. |
| Business quality | Medium | The bank maintains strong core operations but is hindered by a challenging operating environment. |
| Dividend income | Low | Distributions are inconsistent and not reliable for primary income generation. |
| Execution risk | Medium | Operating successfully in a hyperinflationary environment requires exceptional management adaptability. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 133.59% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.42B USD | Price to earnings Ratio 42.6 | 1Y Target Price 62.2 |
Price to earnings Ratio 42.6 | 1Y Target Price 62.2 | ||
Volume (30-day avg) 908.1K shares | Beta 0.29 | 52 Weeks Range 34.57 - 60.15 | Updated Date 10/24/2026 |
52 Weeks Range 34.57 - 60.15 | Updated Date 10/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the primary way the bank makes money by lending at higher rates than it pays to depositors. |
| Fee-based Services | Commissions from account maintenance, credit cards, and insurance brokerage. | These are steady, non-interest revenues that help buffer the bank against interest rate volatility. |
| Geography: Argentina | All core banking and financial services operations. | The company's performance is almost entirely tied to the economic health and stability of Argentina. |
Valuation
Trailing PE 42.6 | Forward PE 3.31 | Enterprise Value 338.90B | Price to Sales(TTM) - |
Enterprise Value 338.90B | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.59 | Enterprise Value to EBITDA - | Shares Outstanding 132.50M | Shares Floating 837.36M |
Shares Outstanding 132.50M | Shares Floating 837.36M | ||
Percent Insiders 0.03 | Percent Institutions 25.32 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.