Stock GGAL GRUPO FINANCIERO GALICIA S.A.
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Financials Grupo Financiero Galicia S.A.

Equities

GGAL

ARP495251018

Banks

End-of-day quote Buenos Aires S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
3,312 ARS +3.72% Intraday chart for Grupo Financiero Galicia S.A. +9.22% +97.53%
Apr. 19 ETF of the week: Diversifying into frontier markets Our Logo
Apr. 09 Argentina's Banco Galicia bets on lower inflation, rates after HSBC deal RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 2,898 2,132 2,806 2,760 3,059 5,585 - -
Enterprise Value (EV) 1 2,898 2,132 2,806 2,760 3,059 5,585 5,585 5,585
P/E ratio 4.17 x 7.02 x 8.75 x 9.48 x - 4.62 x 4.19 x 3.65 x
Yield 0.98% 0.81% 3.82% - - 5.45% 7.33% 8.88%
Capitalization / Revenue 1.89 x 1.21 x 1.14 x 2.05 x 1.17 x 0.94 x 0.71 x 0.73 x
EV / Revenue 1.89 x 1.21 x 1.14 x 2.05 x 1.17 x 0.94 x 0.71 x 0.73 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.83 x 1.03 x 0.95 x 0.8 x - 1.55 x 1.17 x 0.96 x
Nbr of stocks (in thousands) 1,426,765 1,426,765 1,474,692 1,474,692 1,474,692 1,474,692 - -
Reference price 2 121.6 125.8 195.4 330.8 1,677 3,312 3,312 3,312
Announcement Date 2/20/20 3/9/21 2/16/22 3/7/23 3/4/24 - - -
1ARS in Million2ARS
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,534 1,761 2,468 1,347 2,605 5,917 7,817 7,699
EBITDA - - - - - - - -
EBIT 1 1,150 1,209 1,390 1,982 2,658 3,116 2,248 2,280
Operating Margin 74.93% 68.63% 56.32% 147.18% 102.05% 52.67% 28.76% 29.61%
Earnings before Tax (EBT) 1 825.2 526.4 468 354.3 641.7 2,521 2,465 2,291
Net income 1 672.6 291.7 309 257.7 398.3 1,920 1,750 1,535
Net margin 43.85% 16.56% 12.52% 19.13% 15.29% 32.45% 22.39% 19.94%
EPS 2 29.13 17.92 22.33 34.90 - 716.9 790.2 906.4
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.190 1.017 7.460 - - 180.5 242.9 294.1
Announcement Date 2/20/20 3/9/21 2/16/22 3/7/23 3/4/24 - - -
1USD in Million2ARS
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 402.7 671.5 389.1 440 311.2 - - - - 835.5 - - - -
EBITDA - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - -
Earnings before Tax (EBT) 139.9 130.6 71.55 48.81 83.52 - - - - - - - - -
Net income 93.53 84.36 44.02 37.4 68.06 111.6 - 165.6 - - - - - -
Net margin 23.22% 12.56% 11.32% 8.5% 21.87% - - - - - - - - -
EPS 1 6.380 6.100 - 3.470 7.590 18.03 12.29 39.31 36.76 - 116.2 41.64 143.0 153.0
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 11/23/21 2/16/22 5/17/22 8/23/22 11/22/22 3/7/23 5/24/23 8/23/23 11/22/23 3/4/24 - - - -
1ARS
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 56.4% 15.8% 11.6% 8.78% - 18.5% 19.6% 15%
ROA (Net income/ Total Assets) 6.47% 2.57% 2.04% 1.66% - 8.21% 5.58% 2.73%
Assets 1 10,396 11,349 15,145 15,524 - 23,399 31,361 56,233
Book Value Per Share 2 66.30 122.0 205.0 413.0 - 2,135 2,821 3,433
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/20/20 3/9/21 2/16/22 3/7/23 3/4/24 - - -
1USD in Million2ARS
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Grupo Financiero Galicia S.A.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
3,312 ARS
Average target price
5,005 ARS
Spread / Average Target
+51.09%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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