Grupo Financiero Galicia S.A. ADR
Grupo Financiero Galicia S.A. ADR is an Argentine financial services holding company that provides banking, insurance, and credit-related products through its subsidiaries. The company serves individuals, businesses, and institutional clients with a broad range of offerings that include deposit accounts, loans, credit cards, payment services, and insurance solutions. Its operations are centered on retail and commercial banking, supported by digital and consumer-focused financial services through its broader ecosystem. Grupo Financiero Galicia also plays an important role in Argentina’s financial market by connecting traditional banking with adjacent services that support everyday financial activity across the country. Headquartered in Buenos Aires, Argentina, the company is a significant participant in the region’s banking and financial services sector.
$36.02
-$0.45 (-1.23%)
EOD Oct 16, 2026
Net margin is thin at 2.49%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 13.4% YoY. However, net income declined 87%, rising credit provisions or expenses may be eating into the top line.
At 57x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 87% YoY, profitability momentum has weakened.
56.9x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
ARS 9.94T
▲ +13.4% YoY
Net Income (TTM)
ARS 202.16B
▼ -86.9% YoY
Net Margin
2.03%
P/E
56.9x
Balance Sheet
Total Assets
ARS 45.67T
Equity
ARS 7.76T
Total Debt
ARS 2.92T
Cash & Equiv.
ARS 9.37T
3Y CAGR: +58.3%
Continue Research
Is Grupo Financiero Galicia S.A. ADR (GGAL) overvalued?
At a P/E of 56.9, Grupo Financiero Galicia S.A. ADR (GGAL)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Grupo Financiero Galicia S.A. ADR scores 62/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
Is Grupo Financiero Galicia S.A. ADR a high-quality business?+
Grupo Financiero Galicia S.A. ADR scores 62 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Grupo Financiero Galicia S.A. ADR a good stock to buy right now?+
That depends on valuation and quality together, not either alone. you should weigh GGAL's valuation and scores 62/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.