Grupo Financiero Galicia S.A. (GGAL) Fair Value & Analysis
Financial Services · AR · Market cap 13.1T ARS (≈ $9.2B) · ISIN ARP495251018
What is Grupo Financiero Galicia S.A. really worth?
Below-average quality, and trading another 267% above our fair value of 1,929 ARS.
Risks
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from 1,720 ARS to 1,929 ARS (+12.2%) since Jul 7, 2026.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (2,412 ARS). The favourable scenario is already priced in.
- Weak quality (22/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 109.00 ARS – 9,161 ARS · fair‑value band 1,447 ARS – 2,412 ARS · the 7,075 ARS price screens above the 1,929 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Grupo Financiero Galicia S.A. (GGAL) currently trades at 7,075 ARS, while our model-based Fair Value estimate is 1,929 ARS, implying the stock looks roughly 266.7% overvalued today. The Quality Score stands at 22/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 3,423 ARS per share, and 0 of the 4 models we run sit above the 7,075 ARS price. Bear case: the Multiples group reads lowest at 1,720 ARS, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Grupo Financiero Galicia S.A. generated revenue of 6.1T ARS at a net margin of 1.1%. Revenue declined 14.7% year over year. It earns a return on equity of 0.9%. The stock trades on a trailing P/E of 153.8 (as of Jun 18, 2026). Fundamentals as of Aug 13, 2026
Our scenario range runs from 1,447 ARS (bear case) to 2,412 ARS (bull case); at 7,075 ARS, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 24% below its 52-week high and 77% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −73%, GGAL screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 35.89 ARS per share, which is 1.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit (3,423 ARS) versus Multiples (1,720 ARS). Highest evidence: Residual Income (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 31 · Market factors (momentum, volatility) 47
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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; and credit and debit cards.
Full company description
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; and credit and debit cards. The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, flexible loans, and overdrafts for individuals; and immediate loans, discount of electronic credit invoice and e-checks, pledge and mortgage loans, Sociedad de Garantía Recíproca loans, Socios de valor, productive line, leasing, and purchase of agricultural inputs for companies. In addition, the company offers life, home, personal accident, robbery, cars, and other insurance products; fixed term, traditional fixed term, and purchasing value unit investment products; custody of securities; purchase and sale of foreign currency; private banking; and fixed income products, stocks, CEDEARs, secured loans, mutual funds, stock promissory note, structured solutions, and primary issuances; foreign trade; and capital market and investment banking. Further, it provides online banking services. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Grupo Financiero Galicia S.A. reported revenue of 8.5T ARS in FY2025 versus 273B ARS in FY2021, a compound +136.6%/yr. Reported net income was 213B ARS in FY2025, compounding +63.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
GGAL screens 267% overvalued. Compare with DBS Group →
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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