Grupo Financiero GaliciaGGAL -4.38%71 PB Ratio is 1.28 as of Jun. 25, 2026, which is 22% below its 10-year median of 1.64. GuruFocus rates GGAL with a GF Score™ of 71/100 and a GF Value™ of $25.72 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,516 Banks companies, Grupo Financiero Galicia ranks worse than 77.57% on this metric.
The historical rank and industry rank for Grupo Financiero Galicia's PB Ratio or its related term are showing as below:
GGAL'
s PB Ratio Range Over the Past 10 Years
Min: 0.29 Med: 1.64 Max: 4.98
Current: 1.42
During the past 13 years, Grupo Financiero Galicia's highest PB Ratio was 4.98. The lowest was 0.29. And the median was 1.64.
GGAL's PB Ratio is ranked worse than 77.57% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs GGAL: 1.42
During the past 12 months, Grupo Financiero Galicia's average Book Value Per Share Growth Rate was 27.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 55.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 98.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 85.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Grupo Financiero Galicia was 131.80% per year. The lowest was -1.50% per year. And the median was 41.20% per year.
Back to Basics: PB Ratio
Grupo Financiero Galicia (NAS:GGAL) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Banks - Regional subindustry, Grupo Financiero Galicia's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Financiero Galicia's PB Ratio distribution charts can be found below:
* The bar in red indicates where Grupo Financiero Galicia's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Grupo Financiero Galicia (GGAL) has a PB Ratio of 1.28 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Grupo Financiero Galicia and its competitors. This is 22% below median its historical median of 1.64. Over the past decade, Grupo Financiero Galicia's PB Ratio has ranged from 0.29 to 4.98. According to the industry distribution chart, Grupo Financiero Galicia ranks #1176 out of 1516 companies in the Banks industry, placing it in the top 77.6%.
Is Grupo Financiero Galicia's PB Ratio too high?
Grupo Financiero Galicia's current PB Ratio of 1.28 is 22% below median its 10-year median of 1.64. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 4.98. The Banks industry median PB Ratio is 1.08. Grupo Financiero Galicia's value of 1.28 is 18.5% above this industry median. Based on the distribution chart, Grupo Financiero Galicia ranks #1176 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Financiero Galicia ranks #1176 out of 1516 companies for PB Ratio. This places Grupo Financiero Galicia in the lower half of its industry. The industry median PB Ratio is 1.08. Grupo Financiero Galicia's value of 1.28 is 18.5% above this benchmark. Historically, Grupo Financiero Galicia's own PB Ratio has ranged from 0.29 to 4.98 over the past decade. While the company's 10-year median is 1.64 vs. the industry median of 1.08, Grupo Financiero Galicia has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Financiero Galicia's current PB Ratio of 1.28 is 18.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Grupo Financiero Galicia and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Financiero Galicia's current PB Ratio is 1.28, which is 22% below median its own 10-year median of 1.64. 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 $25.72, compared to a current price of $49.08 — trading 90.8% above its estimated fair value. The current PB Ratio is 1.28, which is 22% below median its 10-year median of 1.64 and 18.5% above the Banks industry median of 1.08. Grupo Financiero Galicia's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current PB Ratio is 1.28 as of Jun. 25, 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 $49.08 is trading 90.8% above its estimated GF Value™ of $25.72.
GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.
Key valuation signals for GGAL:
PB Ratio: 1.28 (22% below median its 10-year median of 1.64)
GF Value™: $25.72 vs. price of $49.08 (90.8% above fair value)
Industry Position: 18.5% above the Banks median (#1176 of 1516)
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.
71GF Score
Get the complete analysis for GGAL
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GGAL has been successfully added to your 
