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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

vs
industry
vs
history
Cash to Debt 2.94
GGAL's Cash to Debt is ranked higher than
92% of the 1551 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.48 vs. GGAL: 2.94 )
GGAL' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 2.94

Equity to Asset 0.09
GGAL's Equity to Asset is ranked higher than
65% of the 1996 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.09 vs. GGAL: 0.09 )
GGAL' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.09

0.06
0.11
Interest Coverage 0.50
GGAL's Interest Coverage is ranked higher than
54% of the 1825 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.27 vs. GGAL: 0.50 )
GGAL' s 10-Year Interest Coverage Range
Min: 0.05   Max: 2.09
Current: 0.5

0.05
2.09
F-Score: 4
Z-Score: 0.78
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

vs
industry
vs
history
Operating margin (%) 5.03
GGAL's Operating margin (%) is ranked higher than
58% of the 2006 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 29.16 vs. GGAL: 5.03 )
GGAL' s 10-Year Operating margin (%) Range
Min: -147.39   Max: 42.61
Current: 5.03

-147.39
42.61
Net-margin (%) 17.55
GGAL's Net-margin (%) is ranked higher than
69% of the 2006 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 21.42 vs. GGAL: 17.55 )
GGAL' s 10-Year Net-margin (%) Range
Min: -137.56   Max: 13.88
Current: 17.55

-137.56
13.88
ROE (%) 39.96
GGAL's ROE (%) is ranked higher than
99% of the 2016 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.57 vs. GGAL: 39.96 )
GGAL' s 10-Year ROE (%) Range
Min: -185.89   Max: 36.77
Current: 39.96

-185.89
36.77
ROA (%) 3.46
GGAL's ROA (%) is ranked higher than
98% of the 2019 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.80 vs. GGAL: 3.46 )
GGAL' s 10-Year ROA (%) Range
Min: -15.51   Max: 2.55
Current: 3.46

-15.51
2.55
ROC (Joel Greenblatt) (%) 36.25
GGAL's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 1989 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 76.96 vs. GGAL: 36.25 )
GGAL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -711.51   Max: 478.52
Current: 36.25

-711.51
478.52
Revenue Growth (%) 27.50
GGAL's Revenue Growth (%) is ranked higher than
98% of the 1727 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.00 vs. GGAL: 27.50 )
GGAL' s 10-Year Revenue Growth (%) Range
Min: -10.7   Max: 51.3
Current: 27.5

-10.7
51.3
EBITDA Growth (%) 21.70
GGAL's EBITDA Growth (%) is ranked higher than
90% of the 1558 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.50 vs. GGAL: 21.70 )
GGAL' s 10-Year EBITDA Growth (%) Range
Min: -61.8   Max: 146.6
Current: 21.7

-61.8
146.6
EPS Growth (%) 63.80
GGAL's EPS Growth (%) is ranked higher than
97% of the 1545 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.90 vs. GGAL: 63.80 )
GGAL' s 10-Year EPS Growth (%) Range
Min: -63.2   Max: 102.1
Current: 63.8

-63.2
102.1
» GGAL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

GGAL Guru Trades in Q2 2013

Louis Moore Bacon 168,050 sh (+97.71%)
Jim Simons 119,200 sh (-23.25%)
» More
Q3 2013

GGAL Guru Trades in Q3 2013

Louis Moore Bacon Sold Out
Jim Simons 82,165 sh (-31.07%)
» More
Q4 2013

GGAL Guru Trades in Q4 2013

Jim Simons Sold Out
» More
Q3 2014

GGAL Guru Trades in Q3 2014

George Soros 54,663 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with GGAL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2014-09-30 New Buy0.01%$12.34 - $17.02 $ 15.810%54663
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 7.90
GGAL's P/E(ttm) is ranked higher than
62% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.50 vs. GGAL: 7.90 )
GGAL' s 10-Year P/E(ttm) Range
Min: 5.57   Max: 8.65
Current: 7.9

5.57
8.65
P/B 2.61
GGAL's P/B is ranked higher than
62% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.34 vs. GGAL: 2.61 )
GGAL' s 10-Year P/B Range
Min: 1.74   Max: 2.88
Current: 2.61

1.74
2.88
P/S 1.02
GGAL's P/S is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.61 vs. GGAL: 1.02 )
GGAL' s 10-Year P/S Range
Min: 0.98   Max: 1.52
Current: 1.02

0.98
1.52
PFCF 9.84
GGAL's PFCF is ranked lower than
60% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9999.00 vs. GGAL: 9.84 )
GGAL' s 10-Year PFCF Range
Min: 2.51   Max: 10.84
Current: 9.84

2.51
10.84
EV-to-EBIT 17.68
GGAL's EV-to-EBIT is ranked higher than
97% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 19.80 vs. GGAL: 17.68 )
GGAL' s 10-Year EV-to-EBIT Range
Min: -1.3   Max: 110
Current: 17.68

-1.3
110
PEG 0.18
GGAL's PEG is ranked higher than
75% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9999.00 vs. GGAL: 0.18 )
GGAL' s 10-Year PEG Range
Min: 0.08   Max: 0.27
Current: 0.18

0.08
0.27
Shiller P/E 18.64
GGAL's Shiller P/E is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9999.00 vs. GGAL: 18.64 )
GGAL' s 10-Year Shiller P/E Range
Min: 12.84   Max: 20.5
Current: 18.64

12.84
20.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.18
GGAL's Dividend Yield is ranked lower than
94% of the 1871 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.25 vs. GGAL: 0.18 )
GGAL' s 10-Year Dividend Yield Range
Min: 0.18   Max: 0.23
Current: 0.18

0.18
0.23
Dividend Payout 0.01
GGAL's Dividend Payout is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.60 vs. GGAL: 0.01 )
GGAL' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.1
Current: 0.01

0.06
0.1
Yield on cost (5-Year) 0.20
GGAL's Yield on cost (5-Year) is ranked lower than
92% of the 1883 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.50 vs. GGAL: 0.20 )
GGAL' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 0.23
Current: 0.2

0.18
0.23
Share Buyback Rate -0.50
GGAL's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: -1.90 vs. GGAL: -0.50 )
GGAL' s 10-Year Share Buyback Rate Range
Min: 16.2   Max: -4.7
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.20
GGAL's Price/Tangible Book is ranked higher than
64% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.62 vs. GGAL: 3.20 )
GGAL' s 10-Year Price/Tangible Book Range
Min: 2.02   Max: 3.57
Current: 3.2

2.02
3.57
Price/DCF (Projected) 0.96
GGAL's Price/DCF (Projected) is ranked higher than
59% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.54 vs. GGAL: 0.96 )
GGAL' s 10-Year Price/DCF (Projected) Range
Min: 0.59   Max: 1.07
Current: 0.96

0.59
1.07
Price/Median PS Value 1.11
GGAL's Price/Median PS Value is ranked higher than
100% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.25 vs. GGAL: 1.11 )
GGAL' s 10-Year Price/Median PS Value Range
Min: 0.91   Max: 1.24
Current: 1.11

0.91
1.24
Price/Graham Number 1.06
GGAL's Price/Graham Number is ranked higher than
80% of the 2626 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.19 vs. GGAL: 1.06 )
GGAL' s 10-Year Price/Graham Number Range
Min: 0.78   Max: 1.18
Current: 1.06

0.78
1.18
Earnings Yield (Greenblatt) 5.70
GGAL's Earnings Yield (Greenblatt) is ranked higher than
96% of the 1973 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.60 vs. GGAL: 5.70 )
GGAL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 5354.7
Current: 5.7

0.9
5354.7
Forward Rate of Return (Yacktman) 3.48
GGAL's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 1512 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.69 vs. GGAL: 3.48 )
GGAL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.1   Max: 8
Current: 3.48

3.1
8

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY » details
Traded in other countries:GGABF.USA, GF4.Germany, GGAL.Argentina
Grupo Financiero Galicia SA was formed on September 14, 1999 as a financial services holding company to hold all of the shares of the capital stock of Banco Galicia held by members of the Escasany, Ayerza and Braun families. The Company's subsidiary Banco Galicia operates in Argentina and substantially all of its customers, operations and assets are located in Argentina. Banco Galicia is a bank that provides, directly or through its subsidiaries, a wide variety of financial products and services to large corporations, small and medium-sized companies, and individuals. The Wholesale Banking division manages and builds the relationships with companies from all economic sectors and supports its business model by being closely related to its corporate customers, providing dedicated and focused services. The Corporate Banking segment is comprised of companies whose revenues start at Ps.700 million. The Retail Banking Division is responsible for designing, planning and implementing the vision, strategies, policies and goals for the Retail Banking Division's businesses and for each customer segment and distribution channel. The Wholesale Banking Division is responsible for designing, planning and implementing the vision, strategies, policies and goals for the Wholesale Banking Division's businesses and for each customer segment (corporate, small and medium-sized companies, agriculture and livestock companies and public-sector companies) and products. The Financial Division is responsible for planning and managing the correct use of financial resources and providing the appropriate funding for Banco Galicia's businesses, establishing and applying Banco Galicia's deposit-raising and funding policies within the parameters established by Banco Galicia's risk policies. The Risk Management Division is responsible for monitoring and actively managing the various risks faced by Banco Galicia (credit, financial and operational) and its subsidiaries.
» More Articles for GGAL

Headlines

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