Grupo Financiero Galicia S.A. - ADR Key Ratios
$40.40
As on 23-Sep-2026 12:35EDT
Market cap
$7,076 Mln
Revenue (TTM)
$14,255,988 Mln
P/E Ratio
119.3
P/B Ratio
1.1
Div. Yield
0 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 8.27 | 32.61 | 75.81 | 75.88 | 105.33 |
| EBIT | 491.30 | 45.62 | -62.45 | -13.85 | 56.66 |
| Net Profit | 288.61 | 49.65 | -85.00 | -17.86 | 40.81 |
| EPS | 288.47 | 49.61 | -85.70 | -20.08 | 50.48 |
| Book Value | -- | -- | 20.16 | 30.47 | 230.79 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 10.59 | 9.41 | 2.02 | 2.45 | 20.81 |
| Net Margin
| -- | -- | 1.22 | -- | -- |
| Return on equity
| 23.80 | 33.67 | 2.04 | 3.07 | 40.21 |
| Return on Capital
| 19.15 | 27.31 | -- | 2.17 | 30.27 |
| Return on Assets
| 6.30 | 9.14 | 0.35 | 0.54 | 7.59 |
| Debt to Equity (x)
| -- | -- | 0.33 | 0.46 | 0.36 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
--
|
2.17
|
30.27
|
25.00
|
17.59
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
2.04
Lower than Peers by 7.88
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
2.04
|
3.07
|
40.21
|
28.10
|
18.77
|
|
Peer Median
|
9.92
|
--
|
--
|
--
|
--
|
ROA
0.35
Lower than Peers by 0.63
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
0.35
|
0.54
|
7.59
|
10.75
|
13.04
|
|
Peer Median
|
0.98
|
--
|
--
|
--
|
--
|
EBIT Margin
2.02
Lower than Peers by 19.05
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
2.02
|
2.45
|
20.81
|
8.51
|
5.22
|
|
Peer Median
|
21.07
|
--
|
--
|
--
|
--
|
Net Margin
1.22
Lower than Peers by 19.23
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
1.22
|
1.71
|
15.29
|
5.28
|
3.87
|
|
Peer Median
|
20.45
|
--
|
--
|
--
|
--
|
Cash Profit Margin
--
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
75.81
Higher than Peers by 64.84
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
75.81
|
0.17
|
-0.24
|
0.63
|
1.97
|
|
Peer Median
|
10.97
|
--
|
--
|
--
|
--
|
EBIT Growth
-62.45
Lower than Peers by 50.83
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
-62.45
|
-86.26
|
87.00
|
166.05
|
54.25
|
|
Peer Median
|
-11.62
|
--
|
--
|
--
|
--
|
Net Profit Growth
-85.00
Lower than Peers by 91.62
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
-85.00
|
-86.92
|
121.28
|
122.91
|
74.63
|
|
Peer Median
|
6.61
|
--
|
--
|
--
|
--
|
EPS Growth
-85.70
Lower than Peers by 90.98
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
-85.70
|
-0.88
|
0.75
|
1.76
|
16.46
|
|
Peer Median
|
5.28
|
--
|
--
|
--
|
--
|
Book Value Growth
32.76
Higher than Peers by 23.91
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
32.76
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.85
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.33
Higher than Peers by 0.13
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
0.33
|
0.46
|
0.36
|
0.24
|
0.05
|
|
Peer Median
|
0.20
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.40
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
0.40
|
0.09
|
0.06
|
0.17
|
0.04
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.21
Lower than Peers by 0.07
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
0.21
|
0.60
|
0.66
|
5.68
|
1.22
|
|
Peer Median
|
0.29
|
--
|
--
|
--
|
--
|
Quick Ratio
0.21
Lower than Peers by 0.12
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
0.21
|
--
|
--
|
9.24
|
2.99
|
|
Peer Median
|
0.34
|
--
|
--
|
--
|
--
|
Interest Coverage
1.06
Lower than Peers by 0.71
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
1.06
|
0.08
|
0.71
|
0.18
|
0.12
|
|
Peer Median
|
1.78
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
9.15
Higher than Peers by 2.17
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
9.15
|
63.94
|
55.87
|
1.21
|
0.64
|
|
Peer Median
|
6.99
|
--
|
--
|
--
|
--
|
Asset Turnover
0.28
Higher than Peers by 0.24
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
0.28
|
0.32
|
0.50
|
2.03
|
3.37
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
--
|
204.07
|
104.91
|
2.92
|
1.63
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
--
|
--
|
-202.53
|
-76.06
|
-53.74
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
--
|
12.74
|
17.51
|
59.54
|
138.08
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Grupo Financiero Galicia S.A. - ADR
|
--
|
--
|
-115.13
|
-132.68
|
-190.19
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|