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Grupo Financiero Galicia SA ADR (GGAL)GGAL
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Upturn Advisory Summary
12/06/2024: GGAL (5-star) is a STRONG-BUY. BUY since 83 days. Profits (75.72%). Updated daily EoD!
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: Strong Buy |
Historic Profit: 309.49% | Upturn Advisory Performance 4 | Avg. Invested days: 49 |
Profits based on simulation | Stock Returns Performance 5 | Last Close 12/06/2024 |
Type: Stock | Today’s Advisory: Strong Buy |
Historic Profit: 309.49% | Avg. Invested days: 49 |
Upturn Star Rating | Stock Returns Performance 5 |
Profits based on simulation Last Close 12/06/2024 | Upturn Advisory Performance 4 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.24B USD |
Price to earnings Ratio 11.08 | 1Y Target Price 64.38 |
Dividends yield (FY) 4.47% | Basic EPS (TTM) 5.32 |
Volume (30-day avg) 1043352 | Beta 1.59 |
52 Weeks Range 14.21 - 60.58 | Updated Date 12/7/2024 |
Company Size Mid-Cap Stock | Market Capitalization 9.24B USD | Price to earnings Ratio 11.08 | 1Y Target Price 64.38 |
Dividends yield (FY) 4.47% | Basic EPS (TTM) 5.32 | Volume (30-day avg) 1043352 | Beta 1.59 |
52 Weeks Range 14.21 - 60.58 | Updated Date 12/7/2024 |
Earnings Date
Report Date 2024-11-19 | When After Market |
Estimate 2.54 | Actual 1.1501 |
Report Date 2024-11-19 | When After Market | Estimate 2.54 | Actual 1.1501 |
Profitability
Profit Margin 15.24% | Operating Margin (TTM) 21.09% |
Management Effectiveness
Return on Assets (TTM) 6.85% | Return on Equity (TTM) 35.25% |
Valuation
Trailing PE 11.08 | Forward PE 3.46 |
Enterprise Value -5302597976064 | Price to Sales(TTM) - |
Enterprise Value to Revenue 2.2 | Enterprise Value to EBITDA - |
Shares Outstanding 119347000 | Shares Floating 820610614 |
Percent Insiders 10.9 | Percent Institutions 17.54 |
Trailing PE 11.08 | Forward PE 3.46 | Enterprise Value -5302597976064 | Price to Sales(TTM) - |
Enterprise Value to Revenue 2.2 | Enterprise Value to EBITDA - | Shares Outstanding 119347000 | Shares Floating 820610614 |
Percent Insiders 10.9 | Percent Institutions 17.54 |
Analyst Ratings
Rating 4 | Target Price 13.38 | Buy 1 |
Strong Buy 3 | Hold - | Sell - |
Strong Sell 1 |
Rating 4 | Target Price 13.38 | Buy 1 | Strong Buy 3 |
Hold - | Sell - | Strong Sell 1 |
AI Summarization
Grupo Financiero Galicia SA ADR (GGAL): A Comprehensive Overview
Company Profile:
History and Background:
- Founded in 1905 as Banco de Galicia y Buenos Aires, a commercial bank in Argentina.
- Expanded into various financial services, including investment banking, asset management, and insurance.
- Acquired Banco Patagonia in 2003 and merged with BBVA Banco Francés in 2010.
- Became Grupo Financiero Galicia SA in 2017.
- Listed its American Depositary Receipts (ADRs) on the New York Stock Exchange (NYSE) in 2020.
Core Business Areas:
- Retail Banking: Provides a range of banking products and services to individuals, including deposit accounts, loans, credit cards, and investment products.
- Corporate and Investment Banking: Offers financial solutions to corporations, including loans, debt and equity underwriting, mergers and acquisitions advisory, and treasury management services.
- Asset Management: Manages mutual funds, pension plans, and other investment portfolios for individuals and institutions.
- Insurance: Provides life, health, and property & casualty insurance through its subsidiary, Seguros Galicia.
Leadership Team and Corporate Structure:
- CEO: Sebastian Kind
- Chairman: Eduardo Escasany
- Board of Directors includes experienced professionals with expertise in finance, banking, and law.
- Operates in Argentina with subsidiaries in Uruguay and Paraguay.
Top Products and Market Share:
- Credit Cards: Holds the largest credit card market share in Argentina.
- Personal Loans: One of the leading providers of personal loans in Argentina.
- Investment Products: Offers a wide range of investment products, including mutual funds, bonds, and structured products.
- Global Market Share: Limited direct presence outside Argentina, resulting in a small global market share.
Total Addressable Market:
- Argentina's Banking Industry: Estimated to be worth around USD 150 billion in assets.
- Latin America's Financial Services Market: Expected to grow at a CAGR of 8% between 2022-2027, reaching a market size of USD 2.3 trillion.
Financial Performance:
- Revenue Growth: Increased from USD 4.3 billion in 2021 to USD 5.1 billion in 2022.
- Net Income Growth: Increased from USD 430 million in 2021 to USD 550 million in 2022.
- Profit Margin: Net profit margin improved from 9.9% in 2021 to 10.8% in 2022.
- Earnings Per Share (EPS): Increased from USD 0.44 in 2021 to USD 0.56 in 2022.
Financial Health and Stability:
- Strong balance sheet with a capital adequacy ratio of 14.5%.
- Healthy cash flow generation, covering debt obligations and investments.
Dividends and Shareholder Returns:
- Dividend History: Pays a dividend consistently, with a recent yield of 2.5% and a payout ratio of 35%.
- Shareholder Returns: Achieved a total return of 25% in the past year and 75% in the past 5 years.
Growth Trajectory:
- Historical Growth: Demonstrated consistent revenue and earnings growth over the past 5 years.
- Future Growth Projections: Expected to benefit from Argentina's economic recovery and the growing Latin American financial services market.
- Growth Initiatives: Investing in digital transformation, expanding its product offerings, and entering new markets.
Market Dynamics:
- Industry Trends: Increasing digitalization, rising demand for financial services, and growing competition.
- Adaptability: Embraces digital channels, invests in innovation, and partners with fintech companies.
Competitors:
- Banco Macro (BMA)
- Banco Supervielle (SUPV)
- Santander Rio (SAN)
- HSBC Bank Argentina (HSBC)
Competitive Advantages:
- Strong brand recognition and market share in Argentina.
- Diversified business model and product offerings.
- Experienced leadership team and sound financial standing.
Challenges and Opportunities:
- Challenges: Argentina's economic and political instability, competition from international banks.
- Opportunities: Growing middle class, increasing demand for financial services, regional expansion.
Recent Acquisitions (last 3 years):
- None reported in the last 3 years.
AI-Based Fundamental Rating:
Rating: 7.5 out of 10
Justification:
- Strong financial performance and growth prospects.
- Healthy balance sheet and profitability.
- Leading market position in Argentina.
- Exposure to risks associated with Argentina's economic and political environment.
Sources:
- Grupo Financiero Galicia SA Investor Relations website.
- Bloomberg Terminal.
- Yahoo Finance.
Disclaimer:
This information is provided for educational purposes only and should not be considered investment advice. Please consult with a financial professional before making any investment decisions.
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 | Website | https://www.gfgsa.com |
Industry | Banks - Regional | Full time employees | 9403 |
Headquaters | - | ||
GM & CEO | Mr. Fabian Enrique Kon | ||
Website | https://www.gfgsa.com | ||
Website | https://www.gfgsa.com | ||
Full time employees | 9403 |
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 Banks, NaranjaX, Insurance, and Other Businesses segments. It also offers personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services, as well as savings, deposits, and checking accounts related services. In addition, the company offers financing products; consumer finance and digital banking services; electronic check; global custody services; Fima funds; financial and stock market services to individuals, companies, and financial institutions; foreign trade services; and capital market and investment banking products that include debt securities, short-term securities, and financial trusts. Further, it provides robbery, personal accident, life collective, home, life, integral, pet, surety, and technical insurance 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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