GRUPO FINANCIERO GALICIA SAGG

GRUPO FINANCIERO GALICIA SA

7,220.000ARSD
+70.000+0.98%
As of today at 14:34 GMT
ARS
No trades
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GGAL fundamentals

Key facts

Market capitalization‪11.51 T‬ARS
Founded1999
CEOFabián Enrique Kon
Websitegfgsa.com
About

Grupo Financiero Galicia S.A. (Grupo Financiero Galicia) is a financial services holding company. The Company's segments include Banking, Regional Credit Cards, CFA, Insurance and Other Grupo Galicia Businesses. Banco de Galicia y Buenos Aires S.A. (Banco Galicia) is a subsidiary of the Company. Its banking business segment represents Banco Galicia consolidated line by line with Banco Galicia Uruguay S.A. (Galicia Uruguay). It operates the regional credit cards segment through Tarjetas Regionales S.A. and its subsidiaries. Its CFA business segment extends unsecured personal loans to low and middle-income segments of the Argentine population. The Company operates the insurance segment through Sudamericana Holding S.A. and its subsidiaries. Its Other Grupo Galicia Businesses segment includes the results of Galicia Warrants S.A., Galicia Administradora de Fondos S.A. Sociedad Gerente de Fondos Comunes de Inversion and Net Investment S.A.

Ownership
‪‪1.33 B‬‬
Free Float shares
‪‪1.22 B‬‬ (91.96%)
Closely held shares
‪‪106.53 M‬‬ (8.04%)
Free Float shares
‪‪1.22 B‬‬ (91.96%)
Closely held shares
‪‪106.53 M‬‬ (8.04%)
Capital structure
Market cap
‪‪11.51 T‬‬
Debt
‪‪1.39 T‬‬
Minority interest
‪‪73.80 M‬‬
Cash & equivalents
‪‪5.97 T‬‬
Enterprise value
‪‪6.93 T‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪11.51 T‬‬
Price to earning ratio (P/E)
10.70x
Price to sales ratio (P/S)
1.03x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
10.70x
Price to sales ratio (P/S)
1.03x
Valuation ratios
‪0.00‬
‪0.20‬
‪0.40‬
‪0.60‬
‪0.80‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪2.60‬
‪5.20‬
‪7.80‬
‪10.40‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪4.5%‬
‪8.0%‬
‪11.5%‬
‪15.0%‬
‪18.5%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪900.00 B‬‬
‪‪1.80 T‬‬
‪‪2.70 T‬‬
‪‪3.60 T‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪500.00 B‬‬
‪‪1.00 T‬‬
‪‪1.50 T‬‬
‪‪2.00 T‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪500.00 B‬‬
‪‪1.00 T‬‬
‪‪1.50 T‬‬
‪‪2.00 T‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Bank
Orange X
Other
Insurance
Adjustments
By country
Period: 2023
Argentina

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪600.00 B‬‬
‪‪1.20 T‬‬
‪‪1.80 T‬‬
‪‪2.40 T‬‬
Actual
Estimate
Earnings
Next:Mar 11, 2025
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪70.00‬
‪140.00‬
‪210.00‬
‪280.00‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
0.00%
Payout ratio (TTM)
Dividend yield TTM
4.88%
Last payment
103.619
Last ex-date
Jul 19, 2024
Dividend history
‪0.8%‬
‪5.3%‬
‪9.8%‬
‪14.3%‬
‪18.8%‬
2019
2020
2021
2022
2023
‪0.00‬
‪15.00‬
‪30.00‬
‪45.00‬
‪60.00‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−5.00 T‬‬
‪0.00‬
‪‪5.00 T‬‬
‪‪10.00 T‬‬
‪‪15.00 T‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪8.00‬
‪16.00‬
‪24.00‬
‪32.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio