Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Grupo Financiero Galicia SA ADR (GGAL)
Top performer
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: GGAL (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 354.67% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.79B USD | Price to earnings Ratio 5.83 | 1Y Target Price 85.75 |
Price to earnings Ratio 5.83 | 1Y Target Price 85.75 | ||
Volume (30-day avg) 989628 | Beta 1.52 | 52 Weeks Range 23.05 - 74.00 | Updated Date 04/2/2025 |
52 Weeks Range 23.05 - 74.00 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 4.76% | Basic EPS (TTM) 9.47 |
Earnings Date
Report Date 2025-03-04 | When Before Market | Estimate 1.8495 | Actual 4.0953 |
Profitability
Profit Margin 24.71% | Operating Margin (TTM) -26.42% |
Management Effectiveness
Return on Assets (TTM) 6.72% | Return on Equity (TTM) 35.25% |
Valuation
Trailing PE 5.83 | Forward PE 3.46 | Enterprise Value -4490237313024 | Price to Sales(TTM) - |
Enterprise Value -4490237313024 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.64 | Enterprise Value to EBITDA - | Shares Outstanding 132503000 | Shares Floating 874212218 |
Shares Outstanding 132503000 | Shares Floating 874212218 | ||
Percent Insiders 9.81 | Percent Institutions 28 |
Analyst Ratings
Rating 4.6 | Target Price 72.3 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Grupo Financiero Galicia SA ADR
Company Overview
History and Background
Grupo Financiero Galicia S.A. (GGAL) traces its roots back to 1905 with the founding of Banco de Galicia y Buenos Aires. Over time, it evolved into a comprehensive financial group, offering a wide array of services.
Core Business Areas
- Banking: Provides retail and corporate banking services, including loans, deposits, and transaction services.
- Asset Management: Offers investment management and private banking services.
- Insurance: Provides insurance products through Galicia Seguros.
- Other Financial Services: Includes services such as payment processing and capital markets operations.
Leadership and Structure
The company operates under a board of directors and an executive management team, headed by a CEO. The structure reflects a matrix organization focusing on both business segments and functional areas.
Top Products and Market Share
Key Offerings
- Personal Loans: Consumer credit products, facing competition from other banks like Banco Santander Argentina (BSAR) and Banco Macro (BMA). Market share data is difficult to specify exactly but GGAL is a top provider in this space with revenue from personal loans being a significant portion of the overall revenue.
- Credit Cards: Offers various credit card products. Competitors include other major banks such as Banco Santander Argentina (BSAR) and fintech companies. Market share data is difficult to specify exactly but GGAL is a top provider in this space with revenue from credit cards being a significant portion of the overall revenue.
- Mortgages: Mortgage products for home purchases. Market share data is difficult to specify exactly but GGAL is a top provider in this space with revenue from mortgages being a significant portion of the overall revenue.
Market Dynamics
Industry Overview
The Argentine financial sector is characterized by a mix of established banks and emerging fintech companies. The sector is influenced by economic conditions, regulatory changes, and technological advancements.
Positioning
Grupo Financiero Galicia is one of the leading financial institutions in Argentina, benefiting from its established brand and broad range of services. Its competitive advantages include its extensive branch network and customer base.
Total Addressable Market (TAM)
The Argentine financial services market is estimated to be several billion USD annually. Grupo Financiero Galicia's TAM consists of individuals, businesses, and institutions seeking financial products and services. They hold a significant position, but face growing competition from Fintechs.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified business segments
- Large customer base
Weaknesses
- Exposure to Argentine economic volatility
- Higher operating costs compared to fintechs
- Regulatory risk
Opportunities
- Growth in digital banking
- Expansion into new markets
- Increased demand for financial services
- Partnerships with fintech companies
Threats
- Economic instability in Argentina
- Increased competition from fintech companies
- Regulatory changes
- Currency devaluation
Competitors and Market Share
Key Competitors
- BSAR
- BMA
- BBAR
Competitive Landscape
Grupo Financiero Galicia benefits from brand recognition and a large network, but faces increasing competition from fintech companies.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are affected by economic conditions in Argentina.
Future Projections: Future projections are based on analyst estimates and can vary.
Recent Initiatives: Recent initiatives include investments in digital banking and strategic partnerships.
Summary
Grupo Financiero Galicia is a leading Argentinian financial institution with strong brand recognition and a broad range of services. It faces challenges from economic volatility and increased fintech competition. Its established branch network and strategic investments in digital banking position it for future growth. However, economic uncertainties in Argentina and regulatory risks are concerns that must be watched. Overall, GGAL is a moderately positioned financial company that is a good play on Argentina's stability.
Similar Companies
BBAR
BBVA Banco Frances SA ADR
BBAR
BBVA Banco Frances SA ADR
BMA
Banco Macro SA B ADR
BMA
Banco Macro SA B ADR
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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 | GM & CEO Mr. Fabian Enrique Kon | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 12179 | Website https://www.gfgsa.com |
Full time employees 12179 | 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.