Grupo Financiero Galicia (BUE:GGAL) E10: ARS278.88 (As of Mar. 2026)

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BUE:GGAL Grupo Financiero Galicia SA BUE:GGAL
60 GF Score
Price ARS7,890.00
GF Value ARS4,075.45
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Grupo Financiero Galicia E10?

Grupo Financiero Galicia BUE:GGAL -1.56% 60 E10 is ARS278.88 as of Mar. 2026. GuruFocus rates BUE:GGAL with a GF Score™ of 60/100 and a GF Value™ of ARS4,075.45 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Grupo Financiero Galicia's adjusted earnings per share data for the three months ended in Mar. 2026 was ARS41.393. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ARS278.88 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Grupo Financiero Galicia's average E10 Growth Rate was 4.70% per year. During the past 3 years, the average E10 Growth Rate was 102.60% per year. During the past 5 years, the average E10 Growth Rate was 128.90% per year. During the past 10 years, the average E10 Growth Rate was 80.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Grupo Financiero Galicia was 196.10% per year. The lowest was 44.90% per year. And the median was 54.10% per year.

As of today (2026-08-01), Grupo Financiero Galicia's current stock price is ARS7890.00. Grupo Financiero Galicia's E10 for the quarter that ended in Mar. 2026 was ARS278.88. Grupo Financiero Galicia's Shiller PE Ratio of today is 28.29.

During the past 13 years, the highest Shiller PE Ratio of Grupo Financiero Galicia was 63.75. The lowest was 11.25. And the median was 24.78.


Grupo Financiero Galicia  (BUE:GGAL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Grupo Financiero Galicia's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7890.00/278.88
=28.29

* 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 Shiller P/E Ratio of Grupo Financiero Galicia was 63.75. The lowest was 11.25. And the median was 24.78.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Grupo Financiero Galicia E10 Related Terms


Grupo Financiero Galicia E10 Historical Data

* Premium members only.

The historical data trend for Grupo Financiero Galicia's E10 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 E10 Chart

Grupo Financiero Galicia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.67 32.46 95.55 251.13 269.76

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
E10 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 266.42 279.37 275.72 269.76 278.88

BUE:GGAL vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Grupo Financiero Galicia's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Grupo Financiero Galicia's Shiller PE Ratio falls into.


BUE:GGAL
60GF Score
Grupo Financiero Galicia SA BUE:GGAL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Financiero Galicia E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=41.393/330.2130*330.2130
=41.393

Current CPI (Mar. 2026) = 330.2130.

Grupo Financiero Galicia Quarterly Data

per share eps CPI Adj_EPS
201606 1.058 241.018 1.450
201609 1.167 241.428 1.596
201612 1.359 241.432 1.859
201703 1.098 243.801 1.487
201706 1.709 244.955 2.304
201709 1.502 246.819 2.009
201712 1.876 246.524 2.513
201803 2.105 249.554 2.785
201806 1.946 251.989 2.550
201809 2.944 252.439 3.851
201812 3.093 251.233 4.065
201903 7.464 254.202 9.696
201906 6.935 256.143 8.940
201909 1.916 256.759 2.464
201912 0.808 256.974 1.038
202003 7.912 258.115 10.122
202006 6.139 257.797 7.863
202009 5.266 260.280 6.681
202012 2.451 260.474 3.107
202103 1.615 264.877 2.013
202106 6.584 271.696 8.002
202109 6.380 274.310 7.680
202112 6.087 278.802 7.209
202203 7.198 287.504 8.267
202206 7.483 296.311 8.339
202209 18.093 296.808 20.129
202212 190.042 296.797 211.439
202303 47.542 301.836 52.012
202306 145.637 305.109 157.620
202309 112.054 307.789 120.218
202312 315.468 306.746 339.602
202403 261.790 312.332 276.777
202406 387.935 314.175 407.738
202409 149.658 315.301 156.736
202412 727.626 315.605 761.305
202503 120.514 319.799 124.438
202506 107.478 322.561 110.028
202509 -54.605 324.800 -55.515
202512 -52.012 324.054 -53.001
202603 41.393 330.213 41.393

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ARS278.88 mean?
Grupo Financiero Galicia (BUE:GGAL) has a E10 of ARS278.88 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Grupo Financiero Galicia and its competitors.
Is Grupo Financiero Galicia's E10 too high?
Grupo Financiero Galicia's current E10 is ARS278.88. Overall, Grupo Financiero Galicia has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Financiero Galicia's E10 compare to PNC and USB?
Grupo Financiero Galicia's E10 of ARS278.88 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Grupo Financiero Galicia and its competitors. Grupo Financiero Galicia's current E10 is ARS278.88. 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 (BUE:GGAL) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS4,075.45, compared to a current price of ARS7,890.00 — trading 93.6% above its estimated fair value. The current E10 is ARS278.88. Grupo Financiero Galicia's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Grupo Financiero Galicia (BUE:GGAL), the current E10 is ARS278.88 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 (BUE:GGAL) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Financiero Galicia stock appears to be overvalued. The current stock price of ARS7,890.00 is trading 93.6% above its estimated GF Value™ of ARS4,075.45. GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.

Key valuation signals for BUE:GGAL:

  • E10: ARS278.88
  • GF Value™: ARS4,075.45 vs. price of ARS7,890.00 (93.6% above fair value)
  • GF Score™: 60/100 with 7 warning signs

No single metric tells the full story. See the BUE:GGAL 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.
60GF Score

Get the complete analysis for BUE:GGAL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ARS7,890.00
Price
ARS4,075.45
GF Value