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Also traded in: Argentina, Germany, USA

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 : 4/10

vs
industry
vs
history
Cash to Debt 9.34
GGAL's Cash to Debt is ranked higher than
56% of the 1162 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.79 vs. GGAL: 9.34 )
Ranked among companies with meaningful Cash to Debt only.
GGAL' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.97 Max: No Debt
Current: 9.34
Equity to Asset 0.09
GGAL's Equity to Asset is ranked lower than
63% of the 1660 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 vs. GGAL: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
GGAL' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.11
Current: 0.09
0.06
0.11
Interest Coverage 0.60
GGAL's Interest Coverage is ranked lower than
75% of the 1543 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.64 vs. GGAL: 0.60 )
Ranked among companies with meaningful Interest Coverage only.
GGAL' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 0.38 Max: 2.09
Current: 0.6
0.05
2.09
F-Score: 4
M-Score: -3.97
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 : 8/10

vs
industry
vs
history
Operating margin (%) 35.62
GGAL's Operating margin (%) is ranked higher than
61% of the 1677 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 31.23 vs. GGAL: 35.62 )
Ranked among companies with meaningful Operating margin (%) only.
GGAL' s Operating margin (%) Range Over the Past 10 Years
Min: 6.18  Med: 15.13 Max: 42.61
Current: 35.62
6.18
42.61
Net-margin (%) 19.20
GGAL's Net-margin (%) is ranked lower than
63% of the 1680 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.64 vs. GGAL: 19.20 )
Ranked among companies with meaningful Net-margin (%) only.
GGAL' s Net-margin (%) Range Over the Past 10 Years
Min: -1.24  Med: 6.88 Max: 20.26
Current: 19.2
-1.24
20.26
ROE (%) 35.42
GGAL's ROE (%) is ranked higher than
98% of the 1675 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.42 vs. GGAL: 35.42 )
Ranked among companies with meaningful ROE (%) only.
GGAL' s ROE (%) Range Over the Past 10 Years
Min: -1.17  Med: 14.92 Max: 38.83
Current: 35.42
-1.17
38.83
ROA (%) 3.32
GGAL's ROA (%) is ranked higher than
93% of the 1684 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.89 vs. GGAL: 3.32 )
Ranked among companies with meaningful ROA (%) only.
GGAL' s ROA (%) Range Over the Past 10 Years
Min: -0.08  Med: 1.09 Max: 3.5
Current: 3.32
-0.08
3.5
Revenue Growth (3Y)(%) 12.20
GGAL's Revenue Growth (3Y)(%) is ranked higher than
80% of the 1369 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.90 vs. GGAL: 12.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GGAL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.6  Med: 25.70 Max: 51.4
Current: 12.2
-10.6
51.4
EBITDA Growth (3Y)(%) 4.00
GGAL's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 1263 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.40 vs. GGAL: 4.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GGAL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -64.4  Med: 23.60 Max: 164.5
Current: 4
-64.4
164.5
EPS Growth (3Y)(%) 42.20
GGAL's EPS Growth (3Y)(%) is ranked higher than
89% of the 1248 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. GGAL: 42.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GGAL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58  Med: 63.80 Max: 107.2
Current: 42.2
-58
107.2
» GGAL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-05-07)


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

» Details

Guru Trades

Q1 2015

GGAL Guru Trades in Q1 2015

George Soros 186,474 sh (-34.76%)
» More
Q2 2015

GGAL Guru Trades in Q2 2015

Jim Simons 238,816 sh (New)
George Soros 198,077 sh (+6.22%)
» More
Q3 2015

GGAL Guru Trades in Q3 2015

Jim Simons 196,500 sh (-17.72%)
George Soros 61,583 sh (-68.91%)
» More
Q4 2015

GGAL Guru Trades in Q4 2015

RS Investment Management 116,381 sh (New)
George Soros Sold Out
Jim Simons 32,000 sh (-83.72%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.87
GGAL's P/E(ttm) is ranked higher than
52% of the 1570 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.56 vs. GGAL: 11.87 )
Ranked among companies with meaningful P/E(ttm) only.
GGAL' s P/E(ttm) Range Over the Past 10 Years
Min: 2.8  Med: 9.50 Max: 61.79
Current: 11.87
2.8
61.79
Forward P/E 10.91
GGAL's Forward P/E is ranked higher than
62% of the 368 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.76 vs. GGAL: 10.91 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.87
GGAL's PE(NRI) is ranked higher than
52% of the 1570 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.56 vs. GGAL: 11.87 )
Ranked among companies with meaningful PE(NRI) only.
GGAL' s PE(NRI) Range Over the Past 10 Years
Min: 2.79  Med: 9.50 Max: 49.2
Current: 11.87
2.79
49.2
Price/Owner Earnings (ttm) 13.48
GGAL's Price/Owner Earnings (ttm) is ranked lower than
62% of the 880 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.31 vs. GGAL: 13.48 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
GGAL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.25  Med: 8.41 Max: 169.21
Current: 13.48
3.25
169.21
P/B 3.56
GGAL's P/B is ranked lower than
97% of the 1642 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.04 vs. GGAL: 3.56 )
Ranked among companies with meaningful P/B only.
GGAL' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.72 Max: 4.54
Current: 3.56
0.4
4.54
P/S 2.58
GGAL's P/S is ranked higher than
57% of the 1637 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.93 vs. GGAL: 2.58 )
Ranked among companies with meaningful P/S only.
GGAL' s P/S Range Over the Past 10 Years
Min: 0.25  Med: 1.13 Max: 2.98
Current: 2.58
0.25
2.98
POCF 9.91
GGAL's POCF is ranked lower than
56% of the 975 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.20 vs. GGAL: 9.91 )
Ranked among companies with meaningful POCF only.
GGAL' s POCF Range Over the Past 10 Years
Min: 0.85  Med: 3.45 Max: 11.54
Current: 9.91
0.85
11.54
EV-to-EBIT 6.65
GGAL's EV-to-EBIT is ranked higher than
80% of the 1503 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.40 vs. GGAL: 6.65 )
Ranked among companies with meaningful EV-to-EBIT only.
GGAL' s EV-to-EBIT Range Over the Past 10 Years
Min: -21.2  Med: 4.15 Max: 4333.4
Current: 6.65
-21.2
4333.4
EV-to-EBITDA 6.30
GGAL's EV-to-EBITDA is ranked higher than
80% of the 1507 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.24 vs. GGAL: 6.30 )
Ranked among companies with meaningful EV-to-EBITDA only.
GGAL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -437.2  Med: 3.50 Max: 4333.4
Current: 6.3
-437.2
4333.4
PEG 0.33
GGAL's PEG is ranked higher than
88% of the 724 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.03 vs. GGAL: 0.33 )
Ranked among companies with meaningful PEG only.
GGAL' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 0.23 Max: 0.39
Current: 0.33
0.1
0.39
Shiller P/E 42.60
GGAL's Shiller P/E is ranked lower than
90% of the 504 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.22 vs. GGAL: 42.60 )
Ranked among companies with meaningful Shiller P/E only.
GGAL' s Shiller P/E Range Over the Past 10 Years
Min: 12.9  Med: 28.21 Max: 58.5
Current: 42.6
12.9
58.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.21
GGAL's Dividend Yield is ranked lower than
98% of the 2098 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.90 vs. GGAL: 0.21 )
Ranked among companies with meaningful Dividend Yield only.
GGAL' s Dividend Yield Range Over the Past 10 Years
Min: 0.1  Med: 0.22 Max: 0.72
Current: 0.21
0.1
0.72
Dividend Payout 0.02
GGAL's Dividend Payout is ranked higher than
99% of the 1273 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.34 vs. GGAL: 0.02 )
Ranked among companies with meaningful Dividend Payout only.
GGAL' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.11
Current: 0.02
0.06
0.11
Dividend Growth (3y) 14.50
GGAL's Dividend Growth (3y) is ranked higher than
67% of the 742 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.80 vs. GGAL: 14.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
GGAL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 14.5
Current: 14.5
0
14.5
Forward Dividend Yield 0.21
GGAL's Forward Dividend Yield is ranked lower than
99% of the 1965 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.74 vs. GGAL: 0.21 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.21
GGAL's Yield on cost (5-Year) is ranked lower than
96% of the 2495 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.43 vs. GGAL: 0.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GGAL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.1  Med: 0.22 Max: 0.72
Current: 0.21
0.1
0.72
3-Year Average Share Buyback Ratio -1.60
GGAL's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1112 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: -2.00 vs. GGAL: -1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GGAL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.7  Med: -0.25 Max: 16.2
Current: -1.6
-4.7
16.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.56
GGAL's Price/Tangible Book is ranked lower than
96% of the 1634 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.11 vs. GGAL: 3.56 )
Ranked among companies with meaningful Price/Tangible Book only.
GGAL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.1  Med: 1.91 Max: 3.85
Current: 3.56
0.1
3.85
Price/Projected FCF 1.93
GGAL's Price/Projected FCF is ranked lower than
93% of the 885 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.65 vs. GGAL: 1.93 )
Ranked among companies with meaningful Price/Projected FCF only.
GGAL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.58 Max: 3.18
Current: 1.93
0.24
3.18
Price/DCF (Earnings Based) 1.11
GGAL's Price/DCF (Earnings Based) is ranked lower than
74% of the 87 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.71 vs. GGAL: 1.11 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 2.26
GGAL's Price/Median PS Value is ranked lower than
97% of the 1548 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.01 vs. GGAL: 2.26 )
Ranked among companies with meaningful Price/Median PS Value only.
GGAL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.08  Med: 1.01 Max: 2.29
Current: 2.26
0.08
2.29
Price/Graham Number 1.37
GGAL's Price/Graham Number is ranked lower than
92% of the 1461 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.82 vs. GGAL: 1.37 )
Ranked among companies with meaningful Price/Graham Number only.
GGAL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 0.98 Max: 3.23
Current: 1.37
0.28
3.23
Earnings Yield (Greenblatt) (%) 15.01
GGAL's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 1644 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.90 vs. GGAL: 15.01 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GGAL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 15.25 Max: 30221.4
Current: 15.01
0.7
30221.4

More Statistics

Revenue(Mil) $1578
EPS $ 2.33
Beta1.94
Short Percentage of Float1.42%
52-Week Range $15.30 - 31.40
Shares Outstanding(Mil)130.03

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 417,078 481,077 555,468
EPS($) 42.55 38.34 39.08
EPS without NRI($) 42.55 38.34 39.08

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:BOG:PFAVAL, LIM:CREDITC1, XSGO:BSANTAN-SD, BUE:FRAN, BUE:BMA » details
Traded in other countries:GGAL.Argentina, GF4.Germany, GGABF.USA,
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

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