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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.90
GGAL's Cash to Debt is ranked lower than
58% of the 966 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.47 vs. GGAL: 0.90 )
Ranked among companies with meaningful Cash to Debt only.
GGAL' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.97 Max: No Debt
Current: 0.9
Equity to Asset 0.10
GGAL's Equity to Asset is ranked higher than
50% of the 1319 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 vs. GGAL: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
GGAL' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.07 Max: 0.11
Current: 0.1
0.06
0.11
Interest Coverage 0.26
GGAL's Interest Coverage is ranked lower than
89% of the 1229 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.65 vs. GGAL: 0.26 )
Ranked among companies with meaningful Interest Coverage only.
GGAL' s 10-Year Interest Coverage Range
Min: 0.05  Med: 0.24 Max: 0.82
Current: 0.26
0.05
0.82
F-Score: 4
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.76
GGAL's Operating margin (%) is ranked lower than
57% of the 1381 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 29.90 vs. GGAL: 26.76 )
Ranked among companies with meaningful Operating margin (%) only.
GGAL' s 10-Year Operating margin (%) Range
Min: -147.39  Med: 10.83 Max: 22.88
Current: 26.76
-147.39
22.88
Net-margin (%) 19.53
GGAL's Net-margin (%) is ranked lower than
57% of the 1381 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 21.60 vs. GGAL: 19.53 )
Ranked among companies with meaningful Net-margin (%) only.
GGAL' s 10-Year Net-margin (%) Range
Min: -137.56  Med: 7.21 Max: 17.49
Current: 19.53
-137.56
17.49
ROE (%) 36.85
GGAL's ROE (%) is ranked higher than
98% of the 1384 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.41 vs. GGAL: 36.85 )
Ranked among companies with meaningful ROE (%) only.
GGAL' s 10-Year ROE (%) Range
Min: -185.89  Med: 9.45 Max: 38.83
Current: 36.85
-185.89
38.83
ROA (%) 3.40
GGAL's ROA (%) is ranked higher than
94% of the 1392 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.84 vs. GGAL: 3.40 )
Ranked among companies with meaningful ROA (%) only.
GGAL' s 10-Year ROA (%) Range
Min: -15.51  Med: 0.78 Max: 3.5
Current: 3.4
-15.51
3.5
ROC (Joel Greenblatt) (%) 155.12
GGAL's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 1374 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 77.18 vs. GGAL: 155.12 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GGAL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -711.51  Med: 52.62 Max: 190.95
Current: 155.12
-711.51
190.95
Revenue Growth (3Y)(%) 30.90
GGAL's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1170 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.00 vs. GGAL: 30.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GGAL' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.4  Med: 30.25 Max: 41.3
Current: 30.9
-8.4
41.3
EBITDA Growth (3Y)(%) 14.20
GGAL's EBITDA Growth (3Y)(%) is ranked higher than
68% of the 1029 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. GGAL: 14.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GGAL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 20.70 Max: 71.7
Current: 14.2
0
71.7
EPS Growth (3Y)(%) 42.40
GGAL's EPS Growth (3Y)(%) is ranked higher than
89% of the 1036 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.60 vs. GGAL: 42.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GGAL' s 10-Year EPS Growth (3Y)(%) Range
Min: -63.2  Med: 63.80 Max: 102.1
Current: 42.4
-63.2
102.1
» GGAL's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

GGAL Guru Trades in Q4 2014

George Soros 285,841 sh (+422.91%)
» More
Q1 2015

GGAL Guru Trades in Q1 2015

George Soros 186,474 sh (-34.76%)
» 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) 9.30
GGAL's P/E(ttm) is ranked higher than
78% of the 1245 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.80 vs. GGAL: 9.30 )
Ranked among companies with meaningful P/E(ttm) only.
GGAL' s 10-Year P/E(ttm) Range
Min: 2.8  Med: 9.34 Max: 115
Current: 9.3
2.8
115
PE(NRI) 9.30
GGAL's PE(NRI) is ranked higher than
78% of the 1242 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.90 vs. GGAL: 9.30 )
Ranked among companies with meaningful PE(NRI) only.
GGAL' s 10-Year PE(NRI) Range
Min: 2.79  Med: 9.29 Max: 95.17
Current: 9.3
2.79
95.17
P/B 2.89
GGAL's P/B is ranked lower than
95% of the 1350 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. GGAL: 2.89 )
Ranked among companies with meaningful P/B only.
GGAL' s 10-Year P/B Range
Min: 0.4  Med: 1.66 Max: 3.55
Current: 2.89
0.4
3.55
P/S 1.82
GGAL's P/S is ranked higher than
77% of the 1367 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.97 vs. GGAL: 1.82 )
Ranked among companies with meaningful P/S only.
GGAL' s 10-Year P/S Range
Min: 0.25  Med: 1.11 Max: 2.86
Current: 1.82
0.25
2.86
PFCF 46.11
GGAL's PFCF is ranked lower than
92% of the 801 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.49 vs. GGAL: 46.11 )
Ranked among companies with meaningful PFCF only.
GGAL' s 10-Year PFCF Range
Min: 0.97  Med: 4.28 Max: 56.67
Current: 46.11
0.97
56.67
POCF 31.52
GGAL's POCF is ranked lower than
91% of the 911 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.73 vs. GGAL: 31.52 )
Ranked among companies with meaningful POCF only.
GGAL' s 10-Year POCF Range
Min: 0.86  Med: 3.31 Max: 38.73
Current: 31.52
0.86
38.73
EV-to-EBIT 7.25
GGAL's EV-to-EBIT is ranked higher than
82% of the 1371 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.11 vs. GGAL: 7.25 )
Ranked among companies with meaningful EV-to-EBIT only.
GGAL' s 10-Year EV-to-EBIT Range
Min: -234.5  Med: 2.50 Max: 4333.4
Current: 7.25
-234.5
4333.4
PEG 0.36
GGAL's PEG is ranked higher than
87% of the 573 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.07 vs. GGAL: 0.36 )
Ranked among companies with meaningful PEG only.
GGAL' s 10-Year PEG Range
Min: 0.11  Med: 0.27 Max: 0.49
Current: 0.36
0.11
0.49
Shiller P/E 20.41
GGAL's Shiller P/E is ranked lower than
65% of the 765 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.18 vs. GGAL: 20.41 )
Ranked among companies with meaningful Shiller P/E only.
GGAL' s 10-Year Shiller P/E Range
Min: 7.27  Med: 18.80 Max: 109
Current: 20.41
7.27
109
Days Sales Outstanding 220.84
GGAL's Days Sales Outstanding is ranked lower than
88% of the 768 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 34.05 vs. GGAL: 220.84 )
Ranked among companies with meaningful Days Sales Outstanding only.
GGAL' s 10-Year Days Sales Outstanding Range
Min: 2.59  Med: 678.86 Max: 3441.17
Current: 220.84
2.59
3441.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.46
GGAL's Dividend Yield is ranked lower than
97% of the 2188 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.63 vs. GGAL: 0.46 )
Ranked among companies with meaningful Dividend Yield only.
GGAL' s 10-Year Dividend Yield Range
Min: 0.1  Med: 0.21 Max: 0.72
Current: 0.46
0.1
0.72
Dividend Payout 0.01
GGAL's Dividend Payout is ranked higher than
100% of the 1279 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 10-Year Dividend Payout Range
Min: 0.06  Med: 0.07 Max: 0.1
Current: 0.01
0.06
0.1
Dividend growth (3y) 14.50
GGAL's Dividend growth (3y) is ranked higher than
68% of the 652 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.50 vs. GGAL: 14.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
GGAL' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 14.5
Current: 14.5
0
14.5
Yield on cost (5-Year) 0.46
GGAL's Yield on cost (5-Year) is ranked lower than
95% of the 2173 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.04 vs. GGAL: 0.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GGAL' s 10-Year Yield on cost (5-Year) Range
Min: 0.1  Med: 0.21 Max: 0.72
Current: 0.46
0.1
0.72
Share Buyback Rate -1.60
GGAL's Share Buyback Rate is ranked lower than
51% of the 933 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: -1.50 vs. GGAL: -1.60 )
Ranked among companies with meaningful Share Buyback Rate only.
GGAL' s 10-Year Share Buyback Rate Range
Min: 16.2  Med: -0.25 Max: -4.7
Current: -1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.45
GGAL's Price/Tangible Book is ranked lower than
96% of the 1329 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.17 vs. GGAL: 3.45 )
Ranked among companies with meaningful Price/Tangible Book only.
GGAL' s 10-Year Price/Tangible Book Range
Min: 0.1  Med: 1.91 Max: 3.85
Current: 3.45
0.1
3.85
Price/Projected FCF 0.81
GGAL's Price/Projected FCF is ranked lower than
61% of the 759 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.68 vs. GGAL: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
GGAL' s 10-Year Price/Projected FCF Range
Min: 0.27  Med: 0.48 Max: 3.18
Current: 0.81
0.27
3.18
Price/DCF (Earnings Based) 1.19
GGAL's Price/DCF (Earnings Based) is ranked lower than
73% of the 55 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.76 vs. GGAL: 1.19 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.59
GGAL's Price/Median PS Value is ranked lower than
88% of the 1232 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.09 vs. GGAL: 1.59 )
Ranked among companies with meaningful Price/Median PS Value only.
GGAL' s 10-Year Price/Median PS Value Range
Min: 0.09  Med: 0.99 Max: 2.7
Current: 1.59
0.09
2.7
Price/Peter Lynch Fair Value 0.40
GGAL's Price/Peter Lynch Fair Value is ranked higher than
91% of the 348 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.98 vs. GGAL: 0.40 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
GGAL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.12  Med: 0.29 Max: 1.05
Current: 0.4
0.12
1.05
Price/Graham Number 1.17
GGAL's Price/Graham Number is ranked lower than
75% of the 1122 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.87 vs. GGAL: 1.17 )
Ranked among companies with meaningful Price/Graham Number only.
GGAL' s 10-Year Price/Graham Number Range
Min: 0.28  Med: 0.88 Max: 4.11
Current: 1.17
0.28
4.11
Earnings Yield (Greenblatt) (%) 13.80
GGAL's Earnings Yield (Greenblatt) (%) is ranked higher than
83% of the 1343 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.70 vs. GGAL: 13.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GGAL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 12.30 Max: 3684.8
Current: 13.8
0.7
3684.8

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:ITUB, BBD, BDORY, BSBR, GPFOY » details
Traded in other countries:GGAL.Argentina, GGABF.USA, GF4.Germany,
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.
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