Grupo Financiero Galicia S.A (GGAL) Fair Value & Analysis
Financial Services · AR · Market cap 13.1T ARS
Fair value as of: Jul 7, 2026
From 4 valuation models · updated 34 days ago
Fair value updated Jul 7, 2026, revised from 2,085 ARS to 1,720 ARS (−17.5%) since Jun 26, 2026. Share price +33.1% over the past month.
Below-average quality, and screening another 79% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (2,150 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 7, 2026.
How to read this chart
60‑month range 109.00 ARS – 9,161 ARS · fair‑value band 1,290 ARS – 2,150 ARS · the 8,365 ARS price screens above the 1,720 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 7, 2026.
Analysis
Grupo Financiero Galicia S.A (GGAL) currently trades at 8,365 ARS, while our model-based Fair Value estimate is 1,720 ARS, implying the stock looks roughly 79.4% overvalued today. The Quality Score stands at 22/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Grupo Financiero Galicia S.A generated revenue of 6.1T ARS at a net margin of 1.1%. Revenue declined 14.7% year over year. It earns a return on equity of 0.9%. The stock trades on a trailing P/E of 153.8. Fundamentals as of Jul 7, 2026
Our scenario range runs from 1,290 ARS (bear case) to 2,150 ARS (bull case); at 8,365 ARS, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 11% below its 52-week high and 110% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -79%, GGAL screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (3,423 ARS) versus Multiples (1,720 ARS). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 7, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 31 · Market factors (momentum, volatility) 60
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
GGAL screens 79% overvalued. Compare with PT Bank Central Asia Tbk →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- GGAL or SMFG: Which Is the Better Value Stock Right Now?
- Wall Street Analysts See a 28.95% Upside in Grupo Financiero Galicia (GGAL): Can the Stock Really Move This High?
- Looking for a Fast-paced Momentum Stock at a Bargain? Consider Grupo Financiero Galicia (GGAL)
- GGAL vs. NU: Which Stock Is the Better Value Option?
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 7, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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