Grupo Financiero Galicia S.A. (GGAL) Stock

About Grupo Financiero Galicia S.A.

Grupo Financiero Galicia S.A. (GGAL) functions as a prominent financial services conglomerate, delivering an extensive array of financial solutions and products to both individual clients and corporate entities across Argentina. The company structures its diverse operations into several key segments: Banking, NaranjaX, Insurance, and other miscellaneous business ventures. Its comprehensive portfolio encompasses various deposit accounts, including savings, current, and checking options. GGAL also offers a wide spectrum of lending facilities such as personal, express, and mortgage loans, along with pledge and credit card-backed financing. Furthermore, it provides credit and debit cards, coupled with robust online banking capabilities. Beyond these core offerings, the group extends its services to include general financing and consumer credit solutions, electronic check processing, global custody, and Fima investment funds. It furnishes financial and capital market expertise—including foreign trade services and investment banking products like debt securities, short-term notes, commercial bills, and financial trusts—catering to individuals, corporations, and financial institutions alike. GGAL’s insurance division provides a broad range of coverage, including policies for robbery, personal accidents, group life, homeowners, individual life, comprehensive small and medium-sized enterprise (SME) protection, pet insurance, surety bonds, various risk policies, and technical insurance. For high-net-worth individuals, specialized private banking services are available, complemented by an innovative digital investment platform. As of December 31, 2021, the company maintained a significant physical presence, boasting 312 fully-equipped banking branches alongside an extensive network of 1,991 ATMs and self-service terminals. Founded in 1905, Grupo Financiero Galicia S.A. is headquartered in Buenos Aires, Argentina.

Grupo Financiero Galicia S.A. is headquartered in AR.

Grupo Financiero Galicia S.A. (GGAL) stock trades at $52.67 with a market capitalization of $8.46B. The stock is valued at a price-to-earnings (P/E) ratio of 149.37, price-to-book of 0.27, price-to-sales of 1.13. Over the past 52 weeks the stock has ranged between $25.89 and $62.52, and currently trades 15.8% below its 52-week high. It pays a dividend yielding 3.11%.

On profitability, Grupo Financiero Galicia S.A. generates a return on equity (ROE) of 1.16%, return on capital employed of 0.49%, an operating margin of 0.81%, a net profit margin of 0.76%.

Official website: www.gfgsa.com

Grupo Financiero Galicia S.A. by the numbers, 2016–2025

Between 2016 and 2025 Grupo Financiero Galicia S.A. reported revenue of $49.3B rising to $12.42T, a change of +25109.2% across 10 years. Compounded, revenue has grown 70.3% a year over five years, 13.4% over three, 16.9% over the last twelve months. Net profit rose to $212.5B.

Operating margin went from 19.0% in 2016 to 2.5% in 2025, a fall of 16.6 percentage points. The most recent net margin is 0.76%. On a trailing twelve-month basis to Mar '26, revenue is $13.58T and net profit $87.6B.

Borrowings rose from $15.2B to $3.60T, cash on hand is $6.65T, cash from operations was $326.8B in the latest year, positive in 7 of the last 10.

Return on equity has averaged 23.0% over five years, and was 2.7% in the most recent year.

The share price itself has compounded at 52.9% a year over five years, 55.7% over three, 16.4% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Grupo Financiero Galicia S.A. (GGAL) — frequently asked questions