GGAL (Grupo Financiero Galicia) 3-Year EPS without NRI Growth Rate: -15.90% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

GGAL Grupo Financiero Galicia SA GGAL
80 GF Score
Price $43.86
GF Value $29.57
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Grupo Financiero Galicia 3-Year EPS without NRI Growth Rate?

Grupo Financiero Galicia GGAL -1.92% 80 3-Year EPS without NRI Growth Rate is -15.90% as of Jun. 2026. GuruFocus rates GGAL with a GF Score™ of 80/100 and a GF Value™ of $29.57 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,402 Banks companies, Grupo Financiero Galicia ranks worse than 91.01% on this metric.

Grupo Financiero Galicia's EPS without NRI for the three months ended in Jun. 2026 was $1.09.

During the past 12 months, Grupo Financiero Galicia's average EPS without NRI Growth Rate was -91.60% per year. During the past 3 years, the average EPS without NRI Growth Rate was -15.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was 45.30% 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 average EPS without NRI growth rate.

During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Grupo Financiero Galicia was 141.60% per year. The lowest was -15.90% per year. And the median was 66.65% per year.


Grupo Financiero Galicia  (NAS:GGAL) 3-Year EPS without NRI Growth Rate Explanation

EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.


Grupo Financiero Galicia 3-Year EPS without NRI Growth Rate Related Terms


GGAL vs USB, PNC: 3-Year EPS without NRI Growth Rate Comparison

For the Banks - Regional subindustry, Grupo Financiero Galicia's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry

For the Banks industry and Financial Services sector, Grupo Financiero Galicia's 3-Year EPS without NRI Growth Rate distribution charts can be found below:

* The bar in red indicates where Grupo Financiero Galicia's 3-Year EPS without NRI Growth Rate falls into.


GGAL
80GF Score
Grupo Financiero Galicia SA GGAL
3-Year EPS without NRI Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Financiero Galicia 3-Year EPS without NRI Growth Rate Calculation

This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.

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 average EPS without NRI growth rate.

What does a 3-Year EPS without NRI Growth Rate of -15.90% mean?
Grupo Financiero Galicia (GGAL) has a 3-Year EPS without NRI Growth Rate of -15.90% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Grupo Financiero Galicia and its competitors. According to the industry distribution chart, Grupo Financiero Galicia ranks #1276 out of 1402 companies in the Banks industry, placing it in the top 91%.
Is Grupo Financiero Galicia's 3-Year EPS without NRI Growth Rate too high?
Grupo Financiero Galicia's current 3-Year EPS without NRI Growth Rate is -15.90%. Based on the distribution chart, Grupo Financiero Galicia ranks #1276 out of 1402 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Financiero Galicia has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Financiero Galicia's 3-Year EPS without NRI Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Grupo Financiero Galicia ranks #1276 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Grupo Financiero Galicia in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Grupo Financiero Galicia and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Financiero Galicia's current 3-Year EPS without NRI Growth Rate is -15.90%. 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 (GGAL) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.57, compared to a current price of $43.86 — trading 48.3% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -15.90%. Grupo Financiero Galicia's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current 3-Year EPS without NRI Growth Rate is -15.90% 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 (GGAL) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Financiero Galicia stock appears to be overvalued. The current stock price of $43.86 is trading 48.3% above its estimated GF Value™ of $29.57. GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.

Key valuation signals for GGAL:

  • 3-Year EPS without NRI Growth Rate: -15.90%
  • GF Value™: $29.57 vs. price of $43.86 (48.3% above fair value)
  • GF Score™: 80/100 with 5 warning signs

No single metric tells the full story. See the 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.
80GF Score

Get the complete analysis for GGAL

3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.86
Price
$29.57
GF Value