Grupo Financiero Galicia S.A. (GGAL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Grupo Financiero Galicia S.A. stock ARS 3,081, price ARS 4,915, that is 37.3% below the price, quality 29 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Grupo Financiero Galicia S.A.
GGAL · BAOur calculation puts a fair price 37% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 114.30 ARS – 9,161 ARS · fair‑value band 2,373 ARS – 4,598 ARS · the 4,915 ARS price screens above the 3,081 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Bank, Naranja X, Insurance, and Other Businesses segments.
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It offers savings, checking, and time deposits; and credit and debit cards.
The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, flexible loans, and overdrafts for individuals; and immediate loans, discount of electronic credit invoice and e-checks, pledge and mortgage loans, Sociedad de Garantía Recíproca loans, Socios de valor, productive line, leasing, and purchase of agricultural inputs for companies.
In addition, the company offers life, home, personal accident, robbery, cars, and other insurance products; fixed term, traditional fixed term, and purchasing value unit investment products; custody of securities; purchase and sale of foreign currency; private banking; and fixed income products, stocks, CEDEARs, secured loans, mutual funds, stock promissory note, structured solutions, and primary issuances; foreign trade; and capital market and investment banking.
Further, it provides online banking services. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.
Stock analysis
Grupo Financiero Galicia S.A. (GGAL) currently trades at 4,915 ARS, while our model-based Fair Value estimate is 3,081 ARS, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 4,078 ARS per share, and 1 of the 6 models we run sit above the 4,915 ARS price.
Bear case: the Dividend Discount group reads lowest at 1,482 ARS, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 2,373 ARS (bear) to 4,598 ARS (bull), the price of 4,915 ARS sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 29/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Grupo Financiero Galicia S.A. reported revenue of 8.5T ARS in FY2025 versus 273B ARS in FY2021, a compound +136.6%/yr. Reported net income was 213B ARS in FY2025, compounding +63.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 9.7T ARS (≈ $6.3B) Mid · P/E ratio 48.2 · P/S ratio 1.64 · EPS (TTM) 124.90 ARS · Net margin 1.5% · Return on equity 1.1% · Return on assets (EBIT) 4.9% (5-year average) · Operating margin 17.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 43% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −37%, GGAL screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
GGAL screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →
Recent news
- Why Grupo Financiero Galicia Bears Were Right Before The Drop
- Grupo Financiero Galicia (GGAL) Stock Sees Fair Value Cut As Analysts Turn More Cautious
- GGAL or UOVEY: Which Is the Better Value Stock Right Now?
- Wall Street Analysts Think Grupo Financiero Galicia (GGAL) Could Surge 44.82%: Read This Before Placing a Bet
Compare Grupo Financiero Galicia S.A. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- Stock screener with 62 metrics
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs GGAL |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs GGAL |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs GGAL |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs GGAL |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs GGAL |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs GGAL |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs GGAL |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs GGAL |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs GGAL |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs GGAL |
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Frequently asked questions
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Key figures of Grupo Financiero Galicia S.A.
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