Grupo Financiero Galicia S.A. (GGAL) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Grupo Financiero Galicia S.A. ARS 2,348, price ARS 6,445, upside -63.6%, quality 22 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 109.00 ARS – 9,161 ARS · the 6,445 ARS price screens above the 2,348 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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. It offers savings, checking, and time deposits; and credit and debit cards.
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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. 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 6,445 ARS, while our model-based Fair Value estimate is 2,348 ARS, implying the stock looks roughly 174.5% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 3,276 ARS per share, and 0 of the 4 models we run sit above the 6,445 ARS price.
Bear case: the Multiples group reads lowest at 1,720 ARS, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 22/100 (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 13.1T ARS (≈ $9.2B) · P/E ratio 153.8 · P/S ratio 3.83 · EPS (TTM) 53.04 ARS · Net margin 2.5% · Return on equity 0.9% · Return on assets (EBIT) 4.9% · Operating margin 1.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 54% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −64%, GGAL screens richer than that median.
Fair Value models
Bear 2,348 ARSFair Value 2,348 ARSBull 2,348 ARS
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (38.80 ARS per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−13.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+131.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+108.7%
Start year 2020 (pandemic). Over 10 years: +84.7% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.6%
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What shareholders gained per year (last 5 years), in ARS ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in ARS: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+49.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+49.1%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.55% → 33%
News mood ⓘNews mood, the average tone of recent news (94 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare Grupo Financiero Galicia S.A. with another stock
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score28 · Bottom 25%
Fair Value upside−64% · Bottom 25%
Profitability
Return on equity (TTM)1% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)2% · Bottom 25%
Growth and dividend
Revenue growth−15% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.37× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)153.8× · Priciest 25%
P/B1.69× · Priciest 25%
P/S (TTM)2.16× · Cheapest 25%
PEG0.02× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)0· sector 45
PAST (return on equity)4· sector 41
HEALTH (low debt)81· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Grupo Financiero Galicia S.A. Fair Value". https://www.fairvalue-calculator.com/stock/GGAL
Frequently asked questions
Is Grupo Financiero Galicia S.A. (GGAL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 2,348 ARS versus a price of 6,445 ARS, about −64% upside (overvalued).
What is the fair value of GGAL?
Our model-based fair value for Grupo Financiero Galicia S.A. is 2,348 ARS (as of Sep 24, 2026), built from audited fundamentals. The current price: 6,445 ARS.
What is the quality score of GGAL?
Grupo Financiero Galicia S.A. has a Quality Score of 22/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Grupo Financiero Galicia S.A. (GGAL)?
Our model-based price target is the fair value of 2,348 ARS (as of Sep 24, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Grupo Financiero Galicia S.A. stock forecast for 2026?
Our models put fair value at 2,348 ARS, about −64% upside versus a price of 6,445 ARS (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Grupo Financiero Galicia S.A. (GGAL)?
Grupo Financiero Galicia S.A. reported trailing-twelve-month revenue of about 6.1T ARS (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Grupo Financiero Galicia S.A. (GGAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grupo Financiero Galicia S.A. it is 2,348 ARS per share (as of Sep 24, 2026), against a price of 6,445 ARS. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Grupo Financiero Galicia S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GGAL trades above its calculated fair value: price 6,445 ARS, fair value 2,348 ARS, a gap of about −64% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GGAL?
No. The price is what the market pays today (6,445 ARS); the fair value is what the company's own numbers justify (2,348 ARS). For Grupo Financiero Galicia S.A. the two are 4,097 ARS per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupo Financiero Galicia S.A. worth?
The market values Grupo Financiero Galicia S.A. at about 13.1T ARS (market capitalisation, as of Sep 24, 2026). Per share that is 6,445 ARS; our models calculate a fair value of 2,348 ARS per share.
What is the P/E ratio of GGAL?
Grupo Financiero Galicia S.A. trades at a price-to-earnings ratio of 153.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2,348 ARS is built from several models across several years. Other multiples: PEG 0.0, P/B 1.7, P/S 2.2.
What is the PEG ratio of GGAL?
The PEG ratio of Grupo Financiero Galicia S.A. is 0.02 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Grupo Financiero Galicia S.A. (GGAL)?
Balance-sheet figures for Grupo Financiero Galicia S.A. (as of Sep 24, 2026): return on equity 0.9%, debt of 0.37 per unit of equity. They feed the Quality Score of 22/100, which measures business quality independently of the share price.
How far is GGAL from its 52-week high?
Grupo Financiero Galicia S.A. trades at 6,445 ARS, about 30% below its 52-week high of 9,161 ARS and 54% above the low of 4,190 ARS (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 2,348 ARS is for.
Which stocks are comparable to Grupo Financiero Galicia S.A.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Grupo Financiero Galicia S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price 6,445 ARS, calculated fair value 2,348 ARS (−64%), Quality Score 22/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GGAL calculated?
We run Grupo Financiero Galicia S.A. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 2,348 ARS, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Grupo Financiero Galicia S.A. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Grupo Financiero Galicia S.A. (GGAL)?
The closing price on Sep 23, 2026 was 6,445 ARS. Our model-based fair value is 2,348 ARS, about −64% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupo Financiero Galicia S.A. right now?
The price sits above even our optimistic bull case (2,348 ARS). The favourable scenario is already priced in. Weak quality (22/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Grupo Financiero Galicia S.A.
How large is the market capitalisation of Grupo Financiero Galicia S.A. (GGAL)?
The market capitalisation of Grupo Financiero Galicia S.A. is 13.1T ARS (≈ $9.2B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Grupo Financiero Galicia S.A. (GGAL)?
The price-to-sales ratio of Grupo Financiero Galicia S.A. is 3.83 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Grupo Financiero Galicia S.A. (GGAL)?
Earnings per share at Grupo Financiero Galicia S.A. are 53.04 ARS (price ÷ EPS = P/E 153.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Grupo Financiero Galicia S.A. (GGAL)?
The net margin of Grupo Financiero Galicia S.A. is 2.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Grupo Financiero Galicia S.A. (GGAL)?
The return on equity (ROE) of Grupo Financiero Galicia S.A. is 0.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Grupo Financiero Galicia S.A. (GGAL)?
On an EBIT basis the return on assets of Grupo Financiero Galicia S.A. is 4.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Grupo Financiero Galicia S.A. (GGAL)?
The operating margin of Grupo Financiero Galicia S.A. is 1.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Grupo Financiero Galicia S.A. (GGAL)?
Revenue at Grupo Financiero Galicia S.A. is growing −14.7% versus a year earlier (3y avg +131%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Grupo Financiero Galicia S.A. (GGAL)?
Earnings per share at Grupo Financiero Galicia S.A. are growing −65.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Grupo Financiero Galicia S.A. (GGAL) generate?
The free cash flow of Grupo Financiero Galicia S.A. is −1.9T ARS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Sep 24, 2026