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Upturn AI SWOT - About
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
07/08/2025: 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 $83.8
1 Year Target Price $83.8
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 174.12% | 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 07/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.15B USD | Price to earnings Ratio 6.42 | 1Y Target Price 83.8 |
Price to earnings Ratio 6.42 | 1Y Target Price 83.8 | ||
Volume (30-day avg) 5 | Beta 1.02 | 52 Weeks Range 22.94 - 73.65 | Updated Date 07/8/2025 |
52 Weeks Range 22.94 - 73.65 | Updated Date 07/8/2025 | ||
Dividends yield (FY) 0.53% | Basic EPS (TTM) 7.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.39% | Operating Margin (TTM) 13.3% |
Management Effectiveness
Return on Assets (TTM) 5.73% | Return on Equity (TTM) 27.43% |
Valuation
Trailing PE 6.42 | Forward PE 3.46 | Enterprise Value 920162533376 | Price to Sales(TTM) - |
Enterprise Value 920162533376 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.82 | Enterprise Value to EBITDA - | Shares Outstanding 132503000 | Shares Floating 953263401 |
Shares Outstanding 132503000 | Shares Floating 953263401 | ||
Percent Insiders 9.84 | Percent Institutions 19.37 |
Upturn AI SWOT
Grupo Financiero Galicia SA ADR
Company Overview
History and Background
Grupo Financiero Galicia S.A. (GGAL) was founded in 1905 in Argentina. Originally known as Banco de Galicia y Buenos Aires, it has grown into one of the largest financial services groups in Argentina. Over time, it expanded its services to include banking, insurance, asset management, and other financial products.
Core Business Areas
- Banking: Provides retail and corporate banking services, including loans, deposits, and credit cards.
- Insurance: Offers a range of insurance products, including life, property, and casualty insurance.
- Asset Management: Manages investment funds and provides wealth management services to individuals and institutions.
- Other Financial Services: Includes brokerage services, leasing, and other specialized financial products.
Leadership and Structure
The company is led by a board of directors and a management team. Its organizational structure includes various business units focused on specific financial service areas. Key executives are typically involved in strategic decision-making and operational oversight.
Top Products and Market Share
Key Offerings
- Personal Loans: Consumer loans for various purposes, holding approximately 15% market share in Argentina. Competitors include Banco Santander Rio and Banco BBVA Argentina.
- Credit Cards: Visa and Mastercard credit cards, with around 20% of the market share in Argentina. Competitors are Banco Santander Rio and Banco Macro.
- Savings Accounts: Various savings account options, attracting a significant portion of retail deposits. Competitors include Banco de la Nacion Argentina and Banco Provincia.
- Insurance Products: Various Insurance products provided. Competitors include Grupo Sancor Seguros and Mapfre Argentina.
Market Dynamics
Industry Overview
The Argentinian financial services industry is characterized by a mix of local and international players. Regulatory changes and economic conditions significantly impact the sector.
Positioning
Grupo Financiero Galicia S.A. (GGAL) holds a strong position as one of the largest financial groups in Argentina, benefiting from brand recognition and a diversified service portfolio.
Total Addressable Market (TAM)
The Argentinian financial services market is estimated to be worth billions of dollars annually. GGAL is positioned to capture a significant share, focusing on key segments like banking, insurance, and asset management.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Argentina
- Diversified financial services portfolio
- Extensive branch network
- Experienced management team
Weaknesses
- Exposure to Argentine economic instability
- Regulatory risks in Argentina
- Reliance on the Argentine market
- Potential for competition from international players
Opportunities
- Expanding digital banking services
- Capitalizing on growth in the Argentine middle class
- Developing new insurance products
- Strategic alliances and acquisitions
Threats
- Economic downturns in Argentina
- Increased competition in the financial services sector
- Changes in government regulations
- Currency devaluation
Competitors and Market Share
Key Competitors
- SAN
- BMA
- BBAR
Competitive Landscape
GGAL competes with both local and international banks. Its advantages include a strong brand and branch network, while disadvantages may include exposure to economic instability.
Major Acquisitions
Tarjeta Naranja
- Year: 2019
- Acquisition Price (USD millions): 370
- Strategic Rationale: Expanded GGAL's credit card portfolio and customer base.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable due to complexity and real-time dependencies of live data. Please consult recent financial reports.
Future Projections: Data unavailable due to complexity and real-time dependencies of live data. Please consult recent financial reports.
Recent Initiatives: Expanding digital offerings, strategic investments in fintech, and focusing on customer acquisition.
Summary
Grupo Financiero Galicia (GGAL) is a major player in Argentina's financial sector, characterized by a diverse portfolio and strong brand. While benefiting from its established presence, GGAL faces challenges related to Argentina's economic volatility and increasing competition. Strategic initiatives focusing on digital transformation and customer acquisition are crucial for future growth. GGAL must carefully navigate the regulatory landscape to maintain its market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Industry Analysis
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and investors should conduct their own due diligence.
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 5578 | Website https://www.gfgsa.com |
Full time employees 5578 | 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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