GGAL · NASDAQ · Banks - Regional

Grupo Financiero Galicia (ADR) (GGAL)

Runs Banco Galicia, Naranja X and an Argentine financial-services platform group.

$41.76
vs last close−0.01 (−0.01%)
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Grupo Financiero Galicia S.A.GGAL
Financial sector

Runs an Argentine financial-services group built around Banco Galicia and Naranja X, with insurance, investing, securities and agri-finance platforms alongside them. It is a family-controlled holding company whose businesses serve individual and corporate customers in Argentina.

Operates Argentine financial platforms led by Banco Galicia, which serves individuals and companies through assisted and digital channels. Naranja X adds a consumer and business-finance technology platform.

Insurance is provided through Galicia Seguros, while Fondos FIMA, Galicia Securities and Inviu cover mutual funds, securities and investment advice. Nera handles agri-financial payments and financing, and Galicia Ventures supports venture-capital and open-innovation activity.

Built on Banco Galicia's 1905 lineage, the group is a financial-services holding company rather than a single bank. Its NASDAQ-traded ADSs represent Class B shares, while the Escasany, Ayerza and Braun families retain voting control through EBA Holding.

Company facts

CEOFabián E. Kon
ListedJul 24, 2000
ExchangeNASDAQ
HeadquartersBuenos Aires, Argentina
CountryArgentina
Employees10,079
CIK0001114700
ISINUS3999091008

Market cap$6.71B
EPS (ttm)$0.8962
P/E (ttm)46.59
ROE2.1%
P/B1.10
P/S0.7124
Dividend yieldDiv yield2.92%
Beta1.91vs XLF 0.05

Price target$57.00+36.5%Average of 12 analysts
ConsensusBuy7 of 12 analysts
Ratings

Target rangeAs of Sep 21, 2026

Latest analyst notes

DateFirmActionPriorCurrent
Sep 3, 2026Itau BBADowngrade
Rating:
Rating: Market Perform
Nov 3, 2025CitigroupUpgrade
Rating: Neutral
Rating: Buy
Oct 28, 2025JP MorganUpgrade
Rating: Neutral
Rating: Overweight
Oct 22, 2025JP MorganDowngrade
Rating: Overweight
Rating: Neutral
Oct 1, 2025HSBCTarget
Target:
Target: $60

Next report
Nov 24, 26
estimated · in 63 days
EPS estimate
$1.13
Revenue estimate
$1.72B
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Feb '25Jun '25Aug '25Nov '25Mar '26May '26Aug '26Nov '26
Reported$3.41$0.96$0.94$0.08−$0.36$0.29$1.06Pending
Estimate$1.13$0.96$1.49$0.79−$0.05$0.36$0.98$1.13
Surprise+201.8%0.0%−36.9%−89.9%−620.0%−19.4%+8.6%

RevenueReportedEstimate

Feb '25Jun '25Aug '25Nov '25Mar '26May '26Aug '26Nov '26
Reported$817.8M$2.35B$1.68B$1.38B$1.80B$1.63B$1.73BPending
Estimate$1.13B$1.48B$1.52B$1.36B$1.58B$1.75B$1.72B$1.72B
Surprise−27.3%+58.1%+10.8%+1.6%+13.5%−7.0%+0.7%
Estimate$1.13
ReportedDue Nov 24, 2026
Estimate$1.72B
ReportedDue Nov 24, 2026
View details

Debt to equity32.80%
Current ratio21.50%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$1.21B$1.82B$1.67B$1.38B$1.30B$4.60B$1.69B$1.83B
Net income$110.9M$441.5M$107.4M$114.0M−$57.9M−$42.1M$43.9M$170.6M
Net margin9.2%24.3%6.4%8.3%0.0%0.0%2.6%9.3%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$170.2M$493.4M$155.4M$182.2M−$114.8M−$50.0M$44.9M$262.6M
YoY growth+12.7%Turned profit−59.9%−68.8%Turned lossTurned loss−71.1%+44.1%

Balance sheet, Jun 30, 2026Cash & short-term investments $4.12B · Total debt $1.99B · Total assets $33.27B · Shareholders' equity $6.08B

Revenue
$1.83B
Operating income
$262.6M
Net income
$170.6M

Reported in ARS, converted at the latest exchange rate

View details

Dividend yield
2.92%
Next ex-date
Annual dividend
$1.22
per share
Schedule
Irregular

HistoryDividendAnnual yield

Sep '25Nov '25Dec '25Dec '25Mar '26May '26Aug '26Aug '26
Dividend$0.1381$0.1349$0.1406$0.1423$0.1541$0.4109$0.049$0.0482
Annual yield2.57%1.39%1.87%2.06%2.89%1.95%1.50%3.50%
Ex-dateSep 30Nov 3Dec 1Dec 29Mar 2May 11Aug 3Aug 24
Payment dateOct 7Nov 10Dec 8Jan 5Mar 9May 29Aug 10Aug 31
View details

Institutions19.56%31.42M ADS
161 holders · as of Jun 30, 2026
Insiders11.38%18.28M ADS
10 holders · as of Jul 13, 2026
Other69.06%110.93M ADS
remainder

160.63M ADS (1 ADS = 8 ordinary shares) as of Sep 2, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

The share count is from the company's Dec 2022 annual report; nothing newer is on file here.

This company has 2 share classes; every stake here is a share of the whole company.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
Capital World InvestorsInstitution
9.93%15.96Mfiled Jan 10, 2018
New World Fund, Inc.Institution
5.35%8.59Mfiled Feb 14, 2018
Eduardo Jose EscasanyInsiderdirector
4.73%50.14M A ordinary · 10.63M B ordinaryfiled Apr 7, 2026
Silvestre Vila MoretInsiderdirector
4.14%3.00M B ordinary · 50.15M A ordinaryfiled Jul 13, 2026
Westwood Global Investments, LLCInstitution
3.47%5.58M A ADSas of Jun 30, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Jul 7, 2026Silvestre Vila Moretdirector+176,000$5.46
Jul 8, 2026Silvestre Vila Moretdirector+224,000$5.36
Jun 26, 2026Silvestre Vila Moretdirector+125,000$5.15
Jun 29, 2026Silvestre Vila Moretdirector+10,000$5.25
Jun 30, 2026Silvestre Vila Moretdirector+167,791$5.27
View details

Compare

CompanyPriceChange
Grupo Financiero Galicia (ADR)$41.76−0.01%$6.71B46.68.60.7+3.0%
BBVA Argentina (ADR)$14.25−0.35%$2.92B14.76.20.7+23.1%
Banco Macro (ADR)$75.07−0.19%$4.81B17.19.01.5+20.6%
Banco Santander (ADR)$14.52−0.72%$214.60B12.410.52.1+6.2%
MercadoLibre$1,825.51+0.28%$92.29B49.542.32.6+50.2%
Grupo Supervielle (ADR)$7.99−0.00%$699.5M8.2−38.0%
Median15.99.01.8+20.6%