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GGAL 
Grupo Financiero Galicia SA ADR (GGAL)
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Upturn Advisory Summary
11/28/2025: GGAL (3-star) is a REGULAR-BUY. BUY since 23 days. Simulated Profits (2.47%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $68.9
1 Year Target Price $68.9
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 181.28% | Avg. Invested days 46 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.72B USD | Price to earnings Ratio 8.33 | 1Y Target Price 68.9 |
Price to earnings Ratio 8.33 | 1Y Target Price 68.9 | ||
Volume (30-day avg) 5 | Beta 0.68 | 52 Weeks Range 25.71 - 72.64 | Updated Date 11/30/2025 |
52 Weeks Range 25.71 - 72.64 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 1.84% | Basic EPS (TTM) 6.43 |
Earnings Date
Report Date 2025-11-25 | When - | Estimate 0.8608 | Actual -0.3833 |
Profitability
Profit Margin 15.34% | Operating Margin (TTM) -12.86% |
Management Effectiveness
Return on Assets (TTM) 2.67% | Return on Equity (TTM) 15.04% |
Valuation
Trailing PE 8.33 | Forward PE 3.46 | Enterprise Value -3474106875904 | Price to Sales(TTM) - |
Enterprise Value -3474106875904 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 2.39 | Enterprise Value to EBITDA - | Shares Outstanding 132503208 | Shares Floating 953292048 |
Shares Outstanding 132503208 | Shares Floating 953292048 | ||
Percent Insiders 9.9 | Percent Institutions 20.89 |
Upturn AI SWOT
Grupo Financiero Galicia SA ADR
Company Overview
History and Background
Grupo Financiero Galicia S.A. (GGAL) was founded in 1905 as Banco de Galicia y Buenos Aires. It has evolved into a diversified financial services group in Argentina, offering banking, insurance, and investment products. It's one of the largest financial services firms in the country.
Core Business Areas
- Banking: Provides a range of banking services, including savings and checking accounts, loans, credit cards, and investment products for individuals and businesses.
- Insurance: Offers various insurance products, including life, property, and casualty insurance, to individuals and businesses.
- Asset Management: Provides asset management services to institutional and individual investors.
Leadership and Structure
The company is led by a board of directors and an executive management team. It operates through various subsidiaries, each specializing in a specific area of financial services.
Top Products and Market Share
Key Offerings
- Personal Loans: Provides personal loans for various purposes. Competition comes from Banco Macro (BMA), Banco Santander Argentina (BSAR), and other local banks. Market share data is difficult to pinpoint due to fragmentation but GGAL is considered a market leader in Argentina.
- Credit Cards: Offers a range of credit cards with various benefits and rewards programs. Market share data is difficult to pinpoint due to fragmentation but GGAL is considered a market leader in Argentina. Competition comes from Visa (V) and Mastercard (MA), and local banks.
- Savings Accounts: Offers different types of savings accounts. Market share data is difficult to pinpoint due to fragmentation but GGAL is considered a market leader in Argentina. Competition comes from Banco Macro (BMA), Banco Santander Argentina (BSAR), and other local banks.
Market Dynamics
Industry Overview
The Argentine financial services industry is characterized by increasing competition and evolving regulatory landscape. The industry faces macroeconomic challenges, including inflation and currency volatility.
Positioning
Grupo Financiero Galicia S.A. is positioned as one of the leading financial services providers in Argentina, with a strong brand reputation and a diversified product portfolio. Its competitive advantage lies in its extensive branch network and customer base.
Total Addressable Market (TAM)
The TAM for financial services in Argentina is substantial, driven by a large population and growing demand for financial products and services. GGAL is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Argentina
- Extensive branch network
- Diversified product portfolio
- Experienced management team
Weaknesses
- Exposure to Argentine macroeconomic volatility
- Regulatory uncertainty
- Dependence on the Argentine economy
- Currency risk
Opportunities
- Growth in digital banking and financial technology
- Expansion into new market segments
- Increased demand for financial services from SMEs
- Strategic acquisitions
Threats
- Increased competition from local and international players
- Economic instability in Argentina
- Changes in government regulations
- Political instability
Competitors and Market Share
Key Competitors
- BMA
- BSAR
- BBAR
Competitive Landscape
GGAL has a strong presence but faces competition from other local banks and international players. Advantage due to market position, but disadvantage due to exposure to Argentinian volatility.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been subject to the macroeconomic environment in Argentina. It's imperative to review historical filings to asses the performance over the past years.
Future Projections: Future growth projections are dependent on analyst estimates, which are subject to change based on market conditions.
Recent Initiatives: Recent initiatives may include digital banking expansion, strategic acquisitions, or product innovation.
Summary
Grupo Financiero Galicia is a leading Argentinian financial services provider with a strong brand but is significantly impacted by Argentina's economic volatility. Its diversification helps mitigate risk, but economic uncertainty poses a considerable challenge. Strategic initiatives such as digital banking growth could provide future opportunities, while competition is continuously increasing.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports, Analyst reports, Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
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 9183 | Website https://www.gfgsa.com |
Full time employees 9183 | 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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