Grupo Financiero GaliciaGGAL -3.10%73 Return-on-Tangible-Equity is 3.48% as of Mar. 2026, which is 89% below its 10-year median of 32.81. GuruFocus rates GGAL with a GF Scoreâ„¢ of 73/100 and a GF Valueâ„¢ of $25.72 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Grupo Financiero Galicia ranks worse than 93.7% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Grupo Financiero Galicia's annualized net income for the quarter that ended in Mar. 2026 was $190 Mil. Grupo Financiero Galicia's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $5,468 Mil. Therefore, Grupo Financiero Galicia's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.48%.
The historical rank and industry rank for Grupo Financiero Galicia's Return-on-Tangible-Equity or its related term are showing as below:
GGAL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.79 Med: 32.81 Max: 52.64
Current: 1.21
During the past 13 years, Grupo Financiero Galicia's highest Return-on-Tangible-Equity was 52.64%. The lowest was -9.79%. And the median was 32.81%.
GGAL's Return-on-Tangible-Equity is ranked worse than 93.7% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs GGAL: 1.21
Grupo Financiero Galicia (NAS:GGAL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Grupo Financiero Galicia Return-on-Tangible-Equity Related Terms
Grupo Financiero Galicia Return-on-Tangible-Equity Historical Data
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The historical data trend for Grupo Financiero Galicia's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
GGAL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Grupo Financiero Galicia's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Financiero Galicia's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Grupo Financiero Galicia's Return-on-Tangible-Equity falls into.
* 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 3.48% mean?
Grupo Financiero Galicia (GGAL) has a Return-on-Tangible-Equity of 3.48% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Grupo Financiero Galicia and its competitors. This is 89% below median its historical median of 32.81. According to the industry distribution chart, Grupo Financiero Galicia ranks #1427 out of 1523 companies in the Banks industry, placing it in the top 93.7%.
Is Grupo Financiero Galicia's Return-on-Tangible-Equity too high?
Grupo Financiero Galicia's current Return-on-Tangible-Equity of 3.48% is 89% below median its 10-year median of 32.81. The Banks industry median Return-on-Tangible-Equity is 11.20. Grupo Financiero Galicia's value of 3.48% is 68.9% below this industry median. Based on the distribution chart, Grupo Financiero Galicia ranks #1427 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Grupo Financiero Galicia has a GF Scoreâ„¢ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Grupo Financiero Galicia's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Financiero Galicia ranks #1427 out of 1523 companies for Return-on-Tangible-Equity. This places Grupo Financiero Galicia in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Grupo Financiero Galicia's value of 3.48% is 68.9% below this benchmark. While the company's 10-year median is 32.81 vs. the industry median of 11.20, Grupo Financiero Galicia has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Financiero Galicia's current Return-on-Tangible-Equity of 3.48% is 68.9% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Grupo Financiero Galicia and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Financiero Galicia's current Return-on-Tangible-Equity is 3.48%, which is 89% below median its own 10-year median of 32.81. 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 $48.50 — trading 88.5% above its estimated fair value. The current Return-on-Tangible-Equity is 3.48%, which is 89% below median its 10-year median of 32.81 and 68.9% below the Banks industry median of 11.20. Grupo Financiero Galicia's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current Return-on-Tangible-Equity is 3.48% 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 $48.50 is trading 88.5% above its estimated GF Value™ of $25.72.
GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.
Key valuation signals for GGAL:
Return-on-Tangible-Equity: 3.48% (89% below median its 10-year median of 32.81)
GF Value™: $25.72 vs. price of $48.50 (88.5% above fair value)
Industry Position: 68.9% below the Banks median (#1427 of 1523)
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.
73GF Score
Get the complete analysis for GGAL
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