Switch to:
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 5.45
GGAL's Cash to Debt is ranked higher than
54% of the 1178 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.07 vs. GGAL: 5.45 )
Ranked among companies with meaningful Cash to Debt only.
GGAL' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.14 Max: No Debt
Current: 5.45
Equity to Asset 0.09
GGAL's Equity to Asset is ranked lower than
63% of the 1648 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 0.54
GGAL's Interest Coverage is ranked lower than
78% of the 1534 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.67 vs. GGAL: 0.54 )
Ranked among companies with meaningful Interest Coverage only.
GGAL' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 0.51 Max: 2.09
Current: 0.54
0.05
2.09
F-Score: 6
M-Score: -2.24
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 : 9/10

vs
industry
vs
history
Operating margin (%) 35.30
GGAL's Operating margin (%) is ranked higher than
61% of the 1663 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 30.83 vs. GGAL: 35.30 )
Ranked among companies with meaningful Operating margin (%) only.
GGAL' s Operating margin (%) Range Over the Past 10 Years
Min: 6.18  Med: 21.33 Max: 42.61
Current: 35.3
6.18
42.61
Net-margin (%) 19.64
GGAL's Net-margin (%) is ranked lower than
60% of the 1664 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.36 vs. GGAL: 19.64 )
Ranked among companies with meaningful Net-margin (%) only.
GGAL' s Net-margin (%) Range Over the Past 10 Years
Min: -1.24  Med: 8.24 Max: 20.26
Current: 19.64
-1.24
20.26
ROE (%) 35.38
GGAL's ROE (%) is ranked higher than
98% of the 1659 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.33 vs. GGAL: 35.38 )
Ranked among companies with meaningful ROE (%) only.
GGAL' s ROE (%) Range Over the Past 10 Years
Min: -1.17  Med: 24.47 Max: 38.83
Current: 35.38
-1.17
38.83
ROA (%) 3.25
GGAL's ROA (%) is ranked higher than
93% of the 1670 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.88 vs. GGAL: 3.25 )
Ranked among companies with meaningful ROA (%) only.
GGAL' s ROA (%) Range Over the Past 10 Years
Min: -0.08  Med: 1.81 Max: 3.5
Current: 3.25
-0.08
3.5
Revenue Growth (3Y)(%) 24.40
GGAL's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1371 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.50 vs. GGAL: 24.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GGAL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.6  Med: 24.40 Max: 51.4
Current: 24.4
-10.6
51.4
EBITDA Growth (3Y)(%) 46.20
GGAL's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1271 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.00 vs. GGAL: 46.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GGAL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -64.4  Med: 34.90 Max: 164.5
Current: 46.2
-64.4
164.5
EPS Growth (3Y)(%) 45.80
GGAL's EPS Growth (3Y)(%) is ranked higher than
91% of the 1250 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.50 vs. GGAL: 45.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GGAL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -57.8  Med: 54.80 Max: 107.2
Current: 45.8
-57.8
107.2
» GGAL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-06)


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

» Details

Guru Trades

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
Q1 2016

GGAL Guru Trades in Q1 2016

Caxton Associates 268,580 sh (New)
RS Investment Management 148,147 sh (+27.29%)
Jim Simons Sold Out
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:XSGO:BSANTANDER, NYSE:CIB, LIM:CONTINC1, BUE:BMA, BUE:FRAN » details
Traded in other countries:GGAL.Argentina, GF4.Germany, GGABF.USA,
Grupo Financiero Galicia SA, through its subsidiaries, provides banking, insurance, and investment services. It offers financial products and services to large corporations, small and medium-sized companies, and individuals.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 10.77
GGAL's P/E(ttm) is ranked higher than
61% of the 1574 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.79 vs. GGAL: 10.77 )
Ranked among companies with meaningful P/E(ttm) only.
GGAL' s P/E(ttm) Range Over the Past 10 Years
Min: 2.8  Med: 9.54 Max: 61.79
Current: 10.77
2.8
61.79
Forward P/E 10.08
GGAL's Forward P/E is ranked higher than
68% of the 376 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.05 vs. GGAL: 10.08 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.77
GGAL's PE(NRI) is ranked higher than
61% of the 1552 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.69 vs. GGAL: 10.77 )
Ranked among companies with meaningful PE(NRI) only.
GGAL' s PE(NRI) Range Over the Past 10 Years
Min: 2.79  Med: 9.53 Max: 49.2
Current: 10.77
2.79
49.2
Price/Owner Earnings (ttm) 10.10
GGAL's Price/Owner Earnings (ttm) is ranked higher than
61% of the 857 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.46 vs. GGAL: 10.10 )
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: 8.15 Max: 169.21
Current: 10.1
3.25
169.21
P/B 3.22
GGAL's P/B is ranked lower than
96% of the 1655 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.04 vs. GGAL: 3.22 )
Ranked among companies with meaningful P/B only.
GGAL' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.73 Max: 4.15
Current: 3.22
0.4
4.15
P/S 2.12
GGAL's P/S is ranked higher than
68% of the 1647 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.94 vs. GGAL: 2.12 )
Ranked among companies with meaningful P/S only.
GGAL' s P/S Range Over the Past 10 Years
Min: 0.25  Med: 1.14 Max: 2.69
Current: 2.12
0.25
2.69
PFCF 3.29
GGAL's PFCF is ranked higher than
78% of the 892 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 10.24 vs. GGAL: 3.29 )
Ranked among companies with meaningful PFCF only.
GGAL' s PFCF Range Over the Past 10 Years
Min: 0.96  Med: 3.70 Max: 33.08
Current: 3.29
0.96
33.08
POCF 3.74
GGAL's POCF is ranked higher than
73% of the 992 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.94 vs. GGAL: 3.74 )
Ranked among companies with meaningful POCF only.
GGAL' s POCF Range Over the Past 10 Years
Min: 0.85  Med: 3.51 Max: 17.33
Current: 3.74
0.85
17.33
EV-to-EBIT 4.23
GGAL's EV-to-EBIT is ranked higher than
91% of the 1513 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.20 vs. GGAL: 4.23 )
Ranked among companies with meaningful EV-to-EBIT only.
GGAL' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.3  Med: 4.10 Max: 4333.4
Current: 4.23
-42.3
4333.4
EV-to-EBITDA 4.00
GGAL's EV-to-EBITDA is ranked higher than
91% of the 1514 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.89 vs. GGAL: 4.00 )
Ranked among companies with meaningful EV-to-EBITDA only.
GGAL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -84.2  Med: 3.70 Max: 4333.4
Current: 4
-84.2
4333.4
PEG 0.44
GGAL's PEG is ranked higher than
83% of the 738 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. GGAL: 0.44 )
Ranked among companies with meaningful PEG only.
GGAL' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 0.22 Max: 0.6
Current: 0.44
0.1
0.6
Shiller P/E 34.67
GGAL's Shiller P/E is ranked lower than
87% of the 503 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.33 vs. GGAL: 34.67 )
Ranked among companies with meaningful Shiller P/E only.
GGAL' s Shiller P/E Range Over the Past 10 Years
Min: 12.5  Med: 28.24 Max: 58.5
Current: 34.67
12.5
58.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.29
GGAL's Dividend Yield is ranked lower than
97% of the 2222 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.98 vs. GGAL: 0.29 )
Ranked among companies with meaningful Dividend Yield only.
GGAL' s Dividend Yield Range Over the Past 10 Years
Min: 0.1  Med: 0.21 Max: 0.72
Current: 0.29
0.1
0.72
Dividend Payout 0.01
GGAL's Dividend Payout is ranked higher than
100% of the 1292 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.33 vs. GGAL: 0.01 )
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: 0.01
0.06
0.11
Forward Dividend Yield 0.29
GGAL's Forward Dividend Yield is ranked lower than
98% of the 2081 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.15 vs. GGAL: 0.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.30
GGAL's Yield on cost (5-Year) is ranked lower than
96% of the 2484 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.46 vs. GGAL: 0.30 )
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: 0.21 Max: 0.72
Current: 0.3
0.1
0.72
3-Year Average Share Buyback Ratio -1.60
GGAL's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1066 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: -4.4  Med: 0.00 Max: 16.2
Current: -1.6
-4.4
16.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.22
GGAL's Price/Tangible Book is ranked lower than
95% of the 1645 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.11 vs. GGAL: 3.22 )
Ranked among companies with meaningful Price/Tangible Book only.
GGAL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.1  Med: 1.95 Max: 3.85
Current: 3.22
0.1
3.85
Price/Projected FCF 0.60
GGAL's Price/Projected FCF is ranked higher than
57% of the 892 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.66 vs. GGAL: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
GGAL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.53 Max: 3.18
Current: 0.6
0.24
3.18
Price/DCF (Earnings Based) 1.01
GGAL's Price/DCF (Earnings Based) is ranked lower than
70% of the 100 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.75 vs. GGAL: 1.01 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.88
GGAL's Price/Median PS Value is ranked lower than
94% of the 1568 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.01 vs. GGAL: 1.88 )
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: 1.04 Max: 2.29
Current: 1.88
0.08
2.29
Price/Graham Number 1.24
GGAL's Price/Graham Number is ranked lower than
81% of the 1460 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.84 vs. GGAL: 1.24 )
Ranked among companies with meaningful Price/Graham Number only.
GGAL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 1.01 Max: 3.23
Current: 1.24
0.28
3.23
Earnings Yield (Greenblatt) (%) 23.60
GGAL's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1660 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.00 vs. GGAL: 23.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GGAL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 16.40 Max: 30221.4
Current: 23.6
0.7
30221.4

More Statistics

Revenue (TTM) (Mil) $2,143
EPS (TTM) $ 3.23
Beta1.94
Short Percentage of Float1.67%
52-Week Range $15.30 - 31.40
Shares Outstanding (Mil)130.03

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 414,284 477,999 556,005
EPS ($) 42.73 38.85 39.62
EPS without NRI ($) 42.73 38.85 39.62
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for GGAL

Headlines

Articles On GuruFocus.com
All-In-One Screener Identifies Undervalued U.S. Financial Services Stocks Oct 19 2015 
Predictable and Undervalued Companies - Part II May 20 2015 
Uncertainty and Company Valuations: The case of Argentina Mar 08 2014 
Should You Stay Long Argentinean Banks? Oct 13 2013 
Argentina's New Debt Exchange: Go Long Banks Sep 01 2013 

More From Other Websites
ETF’s with exposure to Grupo Financiero Galicia SA : May 26, 2016 May 26 2016
5 Top Financial Stocks That Value Investor Chris Davis Would Love May 26 2016
ETF’s with exposure to Grupo Financiero Galicia SA : May 16, 2016 May 16 2016
Grupo Financiero Galicia SA :GGAL-US: Earnings Analysis: Q1, 2016 By the Numbers May 13 2016
GFG - Notice of payment of cash dividends May 11 2016
GFG´S FIRST QUARTER ENDED MARCH 31, 2016 May 10 2016
GRUPO FINANCIERO GALICIA SA Financials May 05 2016
GFG - DIVIDEND PAYMENT 1ST INFORMATION May 04 2016
BGBA - Relevant Information May 02 2016
Coverage initiated on Grupo Financiero Galicia by Goldman Apr 27 2016
BGBA - Relevant Information Apr 27 2016
BGBA - Relevant Information Apr 21 2016
UPDATE: Argentina Rallies On Court Victory, Buy 30-Year Bond? Apr 13 2016
GFG - Relevant information - ANSES VOTE CUMULATIVELY Mar 30 2016
Insteel Reverses Off High, But Action Is Still Bullish Feb 29 2016
South America Stock Markets Rally; Vale, Petrobras, MercadoLibre Up Feb 29 2016
Argentina Is the Next Big Opportunity for Emerging Markets Investors Feb 28 2016
Grupo Financiero Galicia SA Earnings Analysis: 2015 By the Numbers Feb 18 2016
Four Global Leaders Worth A Spot On Watch Lists Jan 27 2016
Grupo Financiero, HDFC Bank: Basing Efforts Intact As Market Roils Jan 13 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)