GGAL (Grupo Financiero Galicia) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


GGAL Grupo Financiero Galicia SA GGAL
71 GF Score
Price $49.08
GF Value $25.68
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Grupo Financiero Galicia Scaled Net Operating Assets?

Grupo Financiero Galicia GGAL -4.38% 71 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates GGAL with a GF Score™ of 71/100 and a GF Value™ of $25.68 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Grupo Financiero Galicia's operating assets for the quarter that ended in Mar. 2026 was $27,539 Mil. Grupo Financiero Galicia's operating liabilities for the quarter that ended in Mar. 2026 was $23,829 Mil. Grupo Financiero Galicia's Total Assets for the quarter that ended in Dec. 2025 was $31,464 Mil. Therefore, Grupo Financiero Galicia's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

GGAL
71GF Score
Grupo Financiero Galicia SA GGAL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Financiero Galicia Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Grupo Financiero Galicia's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(25010.338-24104.718)/42338.849
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=31463.865 - 6453.527
=25010.338

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=26117.889 - 2013.171 - 0
=24104.718

Grupo Financiero Galicia's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(27539.364-23828.635)/31463.865
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=32294.168 - 4754.804
=27539.364

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=26151.436 - 2322.801 - 0
=23828.635

* 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 Scaled Net Operating Assets of 0.12 mean?
Grupo Financiero Galicia (GGAL) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Grupo Financiero Galicia and its competitors.
Is Grupo Financiero Galicia's Scaled Net Operating Assets too high?
Grupo Financiero Galicia's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to PNC and USB?
Grupo Financiero Galicia's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Grupo Financiero Galicia and its competitors. Grupo Financiero Galicia's current Scaled Net Operating Assets is 0.12. 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 $25.68, compared to a current price of $49.08 — trading 91.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. Grupo Financiero Galicia's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Grupo Financiero Galicia (GGAL), the current Scaled Net Operating Assets is 0.12 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 91.1% above its estimated GF Value™ of $25.68. GuruFocus considers Grupo Financiero Galicia to be Significantly Overvalued.

Key valuation signals for GGAL:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $25.68 vs. price of $49.08 (91.1% above fair value)
  • GF Score™: 71/100 with 6 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.
71GF Score

Get the complete analysis for GGAL

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$49.08
Price
$25.68
GF Value