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Upturn AI SWOT - About
GGAL 
Grupo Financiero Galicia SA ADR (GGAL)
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Upturn Advisory Summary
10/15/2025: GGAL (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $66.14
1 Year Target Price $66.14
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 174.07% | 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 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.68B USD | Price to earnings Ratio 4.83 | 1Y Target Price 66.14 |
Price to earnings Ratio 4.83 | 1Y Target Price 66.14 | ||
Volume (30-day avg) 5 | Beta 0.52 | 52 Weeks Range 25.77 - 72.81 | Updated Date 10/17/2025 |
52 Weeks Range 25.77 - 72.81 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.13% | Basic EPS (TTM) 6.87 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.31% | Operating Margin (TTM) 17.62% |
Management Effectiveness
Return on Assets (TTM) 4.01% | Return on Equity (TTM) 20.59% |
Valuation
Trailing PE 4.83 | Forward PE 3.46 | Enterprise Value -1049128796160 | Price to Sales(TTM) - |
Enterprise Value -1049128796160 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.42 | Enterprise Value to EBITDA - | Shares Outstanding 132503208 | Shares Floating 953263401 |
Shares Outstanding 132503208 | Shares Floating 953263401 | ||
Percent Insiders 9.84 | Percent Institutions 25.76 |
Upturn AI SWOT
Grupo Financiero Galicia SA ADR
Company Overview
History and Background
Grupo Financiero Galicia S.A. (GGAL), founded in 1905, is one of the largest financial services conglomerates in Argentina. It has evolved from a family-owned business to a publicly traded company with diverse operations in banking, insurance, and asset management.
Core Business Areas
- Banking: Banco Galicia, its main subsidiary, offers a wide range of banking services, including personal and corporate banking, loans, deposits, and credit cards.
- Insurance: Galicia Seguros provides various insurance products, including life, property, and casualty insurance.
- Asset Management: Galicia Administradora de Fondos manages mutual funds and other investment products for individuals and institutions.
- Payments and Technology: Through subsidiaries, the group is involved in payments and financial technology solutions.
Leadership and Structure
The company is led by a board of directors and a management team responsible for overseeing its various business units. It has a hierarchical structure with distinct departments for each core business area.
Top Products and Market Share
Key Offerings
- Personal Loans: Banco Galicia offers a variety of personal loan products. In a highly fragmented market, no single player holds a dominant market share, but Banco Galicia is a significant participant. Competitors include Banco Macro and Banco BBVA Argentina. Market share data is difficult to obtain and varies based on loan type. Revenue figures also vary.
- Credit Cards: Banco Galicia provides credit card services. Competitors include other major banks like Banco Santander Rio and fintech companies like Mercado Pago. The card market in Argentina is competitive. Revenue varies, depends on the Argentinan economy, and is difficult to derive. Market share is difficult to obtain and constantly shifting.
- Insurance Products: Galicia Seguros provides a range of insurance products. Market share data is variable and challenging to obtain.
Market Dynamics
Industry Overview
The Argentine financial services industry is characterized by a mix of traditional banks and emerging fintech companies. The industry is subject to significant regulatory oversight and macroeconomic volatility.
Positioning
Grupo Financiero Galicia is positioned as a leading financial services provider in Argentina with a strong brand reputation and a diversified product portfolio. Their size provides economies of scale. Macroeconomic conditions are a strong risk factor.
Total Addressable Market (TAM)
The TAM for financial services in Argentina is substantial, driven by a large population and growing demand for financial products. GGAL's position benefits from being a major participant but macroeconomic instability impacts overall market size.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Diversified business operations
- Extensive branch network
Weaknesses
- Exposure to Argentine macroeconomic volatility
- High regulatory burden
- Dependence on the Argentine economy
- Operational efficiency relative to digital disruptors
Opportunities
- Expansion of digital banking services
- Growth in the insurance market
- Increased demand for wealth management services
- Fintech partnerships
Threats
- Economic instability in Argentina
- Increased competition from fintech companies
- Regulatory changes
- Currency devaluation
Competitors and Market Share
Key Competitors
- BMA (Banco Macro SA ADR)
- BBAR (Banco BBVA Argentina S.A. ADR)
- IRS (Banco Santander Argentina S.A. ADR)
Competitive Landscape
GGAL faces competition from both traditional banks and new fintech entrants. Its advantages include a strong brand and large customer base, while its disadvantages include its exposure to the Argentine economy and potential diseconomies of scale relative to fintech companies.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on the Argentinan economy and its volatile behavior. Data can be pulled from financial reports and data aggregators.
Future Projections: Future projections are based on analyst estimates and can be extracted from financial data sources. Estimates vary and are subject to change.
Recent Initiatives: Recent initiatives are communicated by the company via press releases and investor relation announcements. This needs to be assessed on a regular basis.
Summary
Grupo Financiero Galicia is a major financial player in Argentina, leveraging its brand and established infrastructure. Macroeconomic instability and increasing competition from fintechs are key challenges. GGAL's ability to adapt its digital strategy and manage economic risks will determine future success. Diversification across financial services is a strength, mitigating risk.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Financial News Providers
- Analyst Reports (FactSet, Bloomberg)
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Financial data may be delayed. Market share figures are estimates and may not be precise.
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 | CEO - | ||
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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