Grupo Financiero GaliciaGGAL -4.38%71 ROE % is 3.31% as of Mar. 2026, which is 89% below its 10-year median of 30.44. 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 1,524 Banks companies, Grupo Financiero Galicia ranks worse than 93.5% on this metric.
The historical rank and industry rank for Grupo Financiero Galicia's ROE % or its related term are showing as below:
GGAL'
s ROE % Range Over the Past 10 Years
Min: -9.25 Med: 30.44 Max: 49.37
Current: 1.15
During the past 13 years, Grupo Financiero Galicia's highest ROE % was 49.37%. The lowest was -9.25%. And the median was 30.44%.
GGAL's ROE % is ranked worse than 93.5% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs GGAL: 1.15
Grupo Financiero Galicia (NAS:GGAL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Grupo Financiero Galicia's ROE % distribution charts can be found below:
* The bar in red indicates where Grupo Financiero Galicia's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Grupo Financiero Galicia (GGAL) has a ROE % of 3.31% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Grupo Financiero Galicia and its competitors. This is 89% below median its historical median of 30.44. According to the industry distribution chart, Grupo Financiero Galicia ranks #1425 out of 1524 companies in the Banks industry, placing it in the top 93.5%.
Is Grupo Financiero Galicia's ROE % too high?
Grupo Financiero Galicia's current ROE % of 3.31% is 89% below median its 10-year median of 30.44. The Banks industry median ROE % is 10.22. Grupo Financiero Galicia's value of 3.31% is 67.6% below this industry median. Based on the distribution chart, Grupo Financiero Galicia ranks #1425 out of 1524 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 ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Grupo Financiero Galicia ranks #1425 out of 1524 companies for ROE %. This places Grupo Financiero Galicia in the lower half of its industry. The industry median ROE % is 10.22. Grupo Financiero Galicia's value of 3.31% is 67.6% below this benchmark. While the company's 10-year median is 30.44 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grupo Financiero Galicia's current ROE % of 3.31% is 67.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Grupo Financiero Galicia and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Financiero Galicia's current ROE % is 3.31%, which is 89% below median its own 10-year median of 30.44. 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 ROE % is 3.31%, which is 89% below median its 10-year median of 30.44 and 67.6% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current ROE % is 3.31% 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 $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:
ROE %: 3.31% (89% below median its 10-year median of 30.44)
GF Value™: $25.72 vs. price of $49.08 (90.8% above fair value)
Industry Position: 67.6% below the Banks median (#1425 of 1524)
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
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