Grupo Financiero Galicia (FRA:GF4) Cyclically Adjusted Book per Share: €6.48 (As of Mar. 2026)


FRA:GF4 Grupo Financiero Galicia SA FRA:GF4
63 GF Score
Price €42.40
GF Value €21.48
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Grupo Financiero Galicia Cyclically Adjusted Book per Share?

Grupo Financiero Galicia FRA:GF4 -1.40% 63 Cyclically Adjusted Book per Share is €6.48 as of Mar. 2026. GuruFocus rates FRA:GF4 with a GF Score™ of 63/100 and a GF Value™ of €21.48 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Grupo Financiero Galicia's adjusted book value per share for the three months ended in Mar. 2026 was €33.080. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €6.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Grupo Financiero Galicia's average Cyclically Adjusted Book Growth Rate was 81.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 119.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 104.90% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 75.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Grupo Financiero Galicia was 119.90% per year. The lowest was 7.30% per year. And the median was 50.70% per year.

As of today (2026-07-03), Grupo Financiero Galicia's current stock price is €42.40. Grupo Financiero Galicia's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €6.48. Grupo Financiero Galicia's Cyclically Adjusted PB Ratio of today is 6.54.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Grupo Financiero Galicia was 18.63. The lowest was 3.10. And the median was 8.70.


Grupo Financiero Galicia  (FRA:GF4) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Grupo Financiero Galicia's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=42.40/6.48
=6.54

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Grupo Financiero Galicia was 18.63. The lowest was 3.10. And the median was 8.70.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Grupo Financiero Galicia Cyclically Adjusted Book per Share Related Terms


Grupo Financiero Galicia Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Grupo Financiero Galicia's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Grupo Financiero Galicia Cyclically Adjusted Book per Share Chart

Grupo Financiero Galicia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.44 2.63 1.77 4.52 5.82

Grupo Financiero Galicia Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.67 5.65 5.35 5.82 6.48

FRA:GF4 vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Grupo Financiero Galicia's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Grupo Financiero Galicia Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Grupo Financiero Galicia's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Grupo Financiero Galicia's Cyclically Adjusted PB Ratio falls into.


FRA:GF4
63GF Score
Grupo Financiero Galicia SA FRA:GF4
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Financiero Galicia Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Grupo Financiero Galicia's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=33.08/330.2130*330.2130
=33.080

Current CPI (Mar. 2026) = 330.2130.

Grupo Financiero Galicia Quarterly Data

Book Value per Share CPI Adj_Book
201606 8.329 241.018 11.411
201609 8.512 241.428 11.642
201612 19.701 241.432 26.946
201703 10.211 243.801 13.830
201706 9.749 244.955 13.142
201709 11.915 246.819 15.941
201712 19.957 246.524 26.732
201803 12.569 249.554 16.631
201806 11.116 251.989 14.567
201809 8.210 252.439 10.739
201812 15.070 251.233 19.808
201903 10.081 254.202 13.095
201906 10.179 256.143 13.123
201909 9.601 256.759 12.348
201912 16.324 256.974 20.976
202003 12.952 258.115 16.570
202006 12.820 257.797 16.421
202009 12.419 260.280 15.756
202012 18.797 260.474 23.830
202103 12.989 264.877 16.193
202106 13.975 271.696 16.985
202109 15.704 274.310 18.904
202112 35.144 278.802 41.625
202203 0.000 287.504 0.000
202206 0.000 296.311 0.000
202209 0.000 296.808 0.000
202212 72.184 296.797 80.311
202303 24.294 301.836 26.578
202306 23.238 305.109 25.150
202309 22.793 307.789 24.454
202312 34.647 306.746 37.298
202403 24.475 312.332 25.876
202406 26.685 314.175 28.047
202409 28.454 315.301 29.800
202412 47.213 315.605 49.398
202503 36.465 319.799 37.652
202506 31.494 322.561 32.241
202509 27.703 324.800 28.165
202512 28.422 324.054 28.962
202603 33.080 330.213 33.080

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €6.48 mean?
Grupo Financiero Galicia (FRA:GF4) has a Cyclically Adjusted Book per Share of €6.48 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Grupo Financiero Galicia and its competitors.
Is Grupo Financiero Galicia's Cyclically Adjusted Book per Share too high?
Grupo Financiero Galicia's current Cyclically Adjusted Book per Share is €6.48. Overall, Grupo Financiero Galicia has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Financiero Galicia's Cyclically Adjusted Book per Share compare to PNC and USB?
Grupo Financiero Galicia's Cyclically Adjusted Book per Share of €6.48 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Grupo Financiero Galicia and its competitors. Grupo Financiero Galicia's current Cyclically Adjusted Book per Share is €6.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Financiero Galicia stock overvalued right now?
Based on GuruFocus' analysis, Grupo Financiero Galicia (FRA:GF4) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.48, compared to a current price of €42.40 — trading 97.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is €6.48. Grupo Financiero Galicia's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Grupo Financiero Galicia (FRA:GF4), the current Cyclically Adjusted Book per Share is €6.48 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Grupo Financiero Galicia (FRA:GF4) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Financiero Galicia stock appears to be overvalued. The current stock price of €42.40 is trading 97.4% above its estimated GF Value™ of €21.48. GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.

Key valuation signals for FRA:GF4:

  • Cyclically Adjusted Book per Share: €6.48
  • GF Value™: €21.48 vs. price of €42.40 (97.4% above fair value)
  • GF Score™: 63/100 with 7 warning signs

No single metric tells the full story. See the FRA:GF4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Grupo Financiero Galicia Business Description

Address Tte. Gral. Juan D. Peron 430, 25th Floor, Buenos Aires, ARG, C1038 AAJ
Grupo Financiero Galicia SA is a financial service holding company. It provides general banking services, proprietary brand credit card services, personal loans, insurance, and other services. The company's operating business segments are Banks, Ecosistema Naranja X, Insurance, Adjustments, and Other Businesses. The company generates maximum revenue from Banks. Geographically its operate in Argentina, Uruguay, and the majority of its revenue comes from Argentina.
63GF Score

Get the complete analysis for FRA:GF4

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€42.40
Price
€21.48
GF Value