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Grupo Financiero GaliciaGGAL 86 Intrinsic Value: Projected FCF is $33.17 as of Sep. 21, 2026. GuruFocus rates GGAL with a GF Score™ of 86/100 and a GF Value™ of $58.79 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,300 Banks companies, Grupo Financiero Galicia ranks worse than 89.38% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Grupo Financiero Galicia's Intrinsic Value: Projected FCF or its related term are showing as below:
GGAL'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.15 Med: 0.81 Max: 6.69
Current: 1.26
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Grupo Financiero Galicia was 6.69. The lowest was 0.15. And the median was 0.81.
GGAL's Price-to-Projected-FCF is ranked worse than 89.38% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs GGAL: 1.26
Grupo Financiero Galicia (NAS:GGAL) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Grupo Financiero Galicia's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
41.76
/
44.34194183639
=
0.94
* 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 Intrinsic Value: Projected FCF Related Terms
Grupo Financiero Galicia Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Grupo Financiero Galicia's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
GGAL vs USB, PNC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Grupo Financiero Galicia's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Financiero Galicia's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Grupo Financiero Galicia's Price-to-Projected-FCF falls into.
Grupo Financiero Galicia Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $33.17 mean?
Grupo Financiero Galicia (GGAL) has a Intrinsic Value: Projected FCF of $33.17 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Grupo Financiero Galicia and its competitors. According to the industry distribution chart, Grupo Financiero Galicia ranks #1162 out of 1300 companies in the Banks industry, placing it in the top 89.4%.
Is Grupo Financiero Galicia's Intrinsic Value: Projected FCF too high?
Grupo Financiero Galicia's current Intrinsic Value: Projected FCF is $33.17. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Grupo Financiero Galicia's value of $33.17 is 5428.3% above this industry median. Based on the distribution chart, Grupo Financiero Galicia ranks #1162 out of 1300 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Financiero Galicia has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Financiero Galicia's Intrinsic Value: Projected FCF compare to USB and PNC?
According to the Banks industry distribution chart, Grupo Financiero Galicia ranks #1162 out of 1300 companies for Intrinsic Value: Projected FCF. This places Grupo Financiero Galicia in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Grupo Financiero Galicia's value of $33.17 is 5428.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Financiero Galicia's current Intrinsic Value: Projected FCF of $33.17 is 5428.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Grupo Financiero Galicia and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Financiero Galicia's current Intrinsic Value: Projected FCF is $33.17. 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 Modestly Undervalued. The stock's GF Value™ is $58.79, compared to a current price of $41.76 — trading 29% below its estimated fair value. The current Intrinsic Value: Projected FCF is $33.17 and 5428.3% above the Banks industry median of 0.60. Grupo Financiero Galicia's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current Intrinsic Value: Projected FCF is $33.17 as of Sep. 21, 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 undervalued.
The current stock price of $41.76 is trading 29% below its estimated GF Value™ of $58.79.
GuruFocus considers Grupo Financiero Galicia to be Modestly Undervalued.
Key valuation signals for GGAL:
Intrinsic Value: Projected FCF: $33.17
GF Value™: $58.79 vs. price of $41.76 (29% below fair value)
Industry Position: 5428.3% above the Banks median (#1162 of 1300)
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 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.
86GF Score
Get the complete analysis for GGAL
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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