GGAL (Grupo Financiero Galicia) Effective Interest Rate on Debt %: 0.00% (As of Mar. 2026)


GGAL Grupo Financiero Galicia SA GGAL
73 GF Score
Price $53.05
GF Value $25.61
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Grupo Financiero Galicia Effective Interest Rate on Debt %?

Grupo Financiero Galicia GGAL +5.26% 73 Effective Interest Rate on Debt % is 0.00% as of Mar. 2026. GuruFocus rates GGAL with a GF Score™ of 73/100 and a GF Value™ of $25.61 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Grupo Financiero Galicia's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $0 Mil. Grupo Financiero Galicia's average total debt for the quarter that ended in Mar. 2026 was $2,168 Mil. Therefore, Grupo Financiero Galicia's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 0.00%.

Grupo Financiero Galicia  (NAS:GGAL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Grupo Financiero Galicia Effective Interest Rate on Debt % Related Terms

Grupo Financiero Galicia Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Grupo Financiero Galicia's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

Grupo Financiero Galicia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 824.67 1,012.69 1,139.43 224.54 123.79

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
Effective Interest Rate on Debt % 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 0.00 0.00 0.00 532.15 0.00

GGAL vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Grupo Financiero Galicia's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Grupo Financiero Galicia's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Grupo Financiero Galicia's Effective Interest Rate on Debt % falls into.


GGAL
73GF Score
Grupo Financiero Galicia SA GGAL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Grupo Financiero Galicia Effective Interest Rate on Debt % Calculation

Grupo Financiero Galicia's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -2673.564/( (2306.356+2013.171)/ 2 )
=-1  *  -2673.564/2159.7635
=123.79 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2306.356 + 0
=2306.356

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2013.171 + 0
=2013.171

Grupo Financiero Galicia's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  0/( (2013.171+2322.801)/ 2 )
=-1  *  0/2167.986
=0.00 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2013.171 + 0
=2013.171

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2322.801 + 0
=2322.801

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.00% mean?
Grupo Financiero Galicia (GGAL) has a Effective Interest Rate on Debt % of 0.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Grupo Financiero Galicia and its competitors.
Is Grupo Financiero Galicia's Effective Interest Rate on Debt % too high?
Grupo Financiero Galicia's current Effective Interest Rate on Debt % is 0.00%. Overall, Grupo Financiero Galicia has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Financiero Galicia's Effective Interest Rate on Debt % compare to PNC and USB?
Grupo Financiero Galicia's Effective Interest Rate on Debt % of 0.00% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Grupo Financiero Galicia and its competitors. Grupo Financiero Galicia's current Effective Interest Rate on Debt % is 0.00%. 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 $25.61, compared to a current price of $53.05 — trading 107.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Grupo Financiero Galicia's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current Effective Interest Rate on Debt % is 0.00% 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 (GGAL) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Financiero Galicia stock appears to be overvalued. The current stock price of $53.05 is trading 107.1% above its estimated GF Value™ of $25.61. GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.

Key valuation signals for GGAL:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: $25.61 vs. price of $53.05 (107.1% above fair value)
  • GF Score™: 73/100 with 8 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.
73GF Score

Get the complete analysis for GGAL

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$53.05
Price
$25.61
GF Value