Valuation dashboard for Grupo Financiero Galicia S.A. (GGAL) with P/E 49.52, P/B 0.94, EV/EBITDA 19.6 and dividend yield 5.34%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
What would it be worth at its usual multiples?
Versus its usual multiples: expensive · Current P/B 0.9× · Multiples range: $27.60 · $33.47.
At Kaplio's cap P/B for its ROTCE 2.9 % (0.8×) $28 (-15 %); at its peers' median (1.0×) $33 (+4 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Grupo Financiero Galicia S.A. reported revenue of 12.42T ARS in the most recent fiscal year, growing at a 5-year CAGR of 70.3%. Net income reached 212.52B ARS, with a 23.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 41.0%, operating margin 1.8%, net margin 1.4%.
At $32.30 (closing price, October 30, 2026), GGAL trades at a P/E of 49.52 and an ROE of 2.13%. Market capitalisation stands at $5.5B.
Balance sheet quality for GGAL: debt-to-equity ratio of 0.46, current ratio of 2.02 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 49.52 |
| Price / Book | 0.94 |
| EV / EBITDA | 19.6 |
| Dividend Yield | 5.34% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| GGAL | Grupo Financiero Galicia S.A. | $5.5B | 49.52 | 0.94 | 2.1% |
| BMA | Banco Macro S.A. | $3.8B | 14.99 | 1.01 | 7.7% |
| BBAR | Banco BBVA Argentina S.A. | $2.4B | 13.29 | 0.93 | 8.1% |
| 0O84.L | DNB Bank ASA | NOK 478.2B | 11.51 | 1.72 | 14.5% |
| MFG | Mizuho Financial Group, Inc. | $116.6B | 13.82 | 1.64 | 12.3% |
| HDB | HDFC Bank Limited | $113.8B | 13.30 | 1.75 | 13.5% |
| IBN | ICICI Bank Limited | $104.4B | 16.95 | 2.57 | 15.9% |
| SBID.L | State Bank of India | $94.7B | 10.23 | 1.42 | 14.3% |
Price
| Price | $32.30 (closing price, October 30, 2026) |
| Market Cap | $5.5B |
| Exchange | NASDAQ |
| Country | AR |
Profitability
| Return on Equity | 2.13% |
| Return on Invested Capital | 0.31% |
| Return on Assets | 0.35% |
| Gross Margin | 40.99% |
| Operating Margin | 1.79% |
| Net Margin | 1.41% |
Related companies: BMA · BBAR · 0O84.L · MFG · HDB · IBN · SBID.L · USB
Explore sector: Financial Services · Banks - Regional
More sections of GGAL: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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