Grupo Financiero Galicia (STU:GF4) Cyclically Adjusted Book per Share: €7.66 (As of Jun. 2026)

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STU:GF4 Grupo Financiero Galicia SA STU:GF4
71 GF Score
Price €37.80
GF Value €25.25
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Grupo Financiero Galicia Cyclically Adjusted Book per Share?

Grupo Financiero Galicia STU:GF4 -1.56% 71 Cyclically Adjusted Book per Share is €7.66 as of Jun. 2026. GuruFocus rates STU:GF4 with a GF Score™ of 71/100 and a GF Value™ of €25.25 (Significantly Overvalued). The stock has 5 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 Jun. 2026 was €33.556. 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 €7.66 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Grupo Financiero Galicia's average Cyclically Adjusted Book Growth Rate was 74.50% 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 (2026-09-05), Grupo Financiero Galicia's current stock price is €37.80. Grupo Financiero Galicia's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €7.66. Grupo Financiero Galicia's Cyclically Adjusted PB Ratio of today is 4.93.

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 8.45.


Grupo Financiero Galicia  (STU: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
=37.80/7.66
=4.93

* 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 8.45.


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 2.37 2.59 1.74 4.37 5.79

Grupo Financiero Galicia Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 5.68 4.96 5.79 7.01 7.66

STU:GF4 vs USB, PNC: 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.


STU:GF4
71GF Score
Grupo Financiero Galicia SA STU:GF4
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=33.556/333.9520*333.9520
=33.556

Current CPI (Jun. 2026) = 333.9520.

Grupo Financiero Galicia Quarterly Data

Book Value per Share CPI Adj_Book
201609 8.512 241.428 11.774
201612 19.701 241.432 27.251
201703 10.211 243.801 13.987
201706 9.749 244.955 13.291
201709 11.915 246.819 16.121
201712 19.957 246.524 27.035
201803 12.569 249.554 16.820
201806 11.116 251.989 14.732
201809 8.210 252.439 10.861
201812 15.070 251.233 20.032
201903 10.081 254.202 13.244
201906 10.179 256.143 13.271
201909 9.601 256.759 12.487
201912 16.324 256.974 21.214
202003 12.952 258.115 16.757
202006 12.820 257.797 16.607
202009 12.419 260.280 15.934
202012 18.797 260.474 24.100
202103 12.989 264.877 16.376
202106 13.975 271.696 17.177
202109 15.704 274.310 19.118
202112 35.144 278.802 42.096
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 81.220
202303 24.294 301.836 26.879
202306 23.238 305.109 25.435
202309 22.793 307.789 24.730
202312 34.647 306.746 37.720
202403 24.475 312.332 26.169
202406 26.685 314.175 28.365
202409 28.454 315.301 30.137
202412 47.213 315.605 49.958
202503 36.465 319.799 38.079
202506 31.494 322.561 32.606
202509 27.703 324.800 28.484
202512 28.422 324.054 29.290
202603 33.080 330.213 33.455
202606 33.556 333.952 33.556

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 €7.66 mean?
Grupo Financiero Galicia (STU:GF4) has a Cyclically Adjusted Book per Share of €7.66 as of Jun. 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 €7.66. Overall, Grupo Financiero Galicia has a GF Score™ of 71/100 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 USB and PNC?
Grupo Financiero Galicia's Cyclically Adjusted Book per Share of €7.66 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 €7.66. 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 (STU:GF4) is currently considered Significantly Overvalued. The stock's GF Value™ is €25.25, compared to a current price of €37.80 — trading 49.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is €7.66. Grupo Financiero Galicia's overall GF Score™ is 71/100 with 5 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 (STU:GF4), the current Cyclically Adjusted Book per Share is €7.66 as of Jun. 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 (STU:GF4) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Financiero Galicia stock appears to be overvalued. The current stock price of €37.80 is trading 49.7% above its estimated GF Value™ of €25.25. GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.

Key valuation signals for STU:GF4:

  • Cyclically Adjusted Book per Share: €7.66
  • GF Value™: €25.25 vs. price of €37.80 (49.7% above fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the STU: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.
71GF Score

Get the complete analysis for STU:GF4

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

€37.80
Price
€25.25
GF Value