# Grupo Financiero Galicia S.A. American (GGAL) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $44.36, market value $7.5 billion.

## Valuation
- **P/E (trailing): 126.7×** (5-yr avg 0.0×, 3-yr avg 0.0×). Grupo Financiero Galicia S.A. American trades at 126.7× trailing earnings, well above its own five-year average of 0.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 11.7×**. The shares trade at 11.7× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Earnings yield: 0.8%**. The inverse of the P/E: 0.8% of the price is earned each year.

## Profitability
- **Net margin: 2.5%**. 2.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 2.7%**. 2.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.4%**. Each dollar of assets produces 0.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 20.9%** (3-yr 81.0%/yr, 5-yr 91.6%/yr). Earnings per share rose 20.9%.

## Dividends
- **Dividend yield: 4.03%** ($1.79 per share, trailing). Grupo Financiero Galicia S.A. American yields 4.03%, an income-level yield.
- **Payout ratio: 155%**. The dividend exceeds earnings (155% payout), which is rarely sustainable outside REITs and one-off years.
- **Dividend growth (5 yr): 68.9%/yr** (1-yr -52.5%). The dividend has compounded at 68.9% a year over five years, doubling roughly every 1 years at that pace.

## Analyst view
- **Analyst consensus: buy** (10 analysts). 10 analysts cover Grupo Financiero Galicia S.A. American; the consensus is buy, with an average price target of $67.97 (+53% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 15.6%** (YTD -15.3%, 3-mo -7.2%). The shares are up 15.6% over twelve months including dividends.
- **From 52-week high: -29.0%** (71.3% above the low). Trading 29% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 1.90** (volatility 76%). Beta of 1.90 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=GGAL · Page: https://foliofundamentals.com/stocks/ggal

Not investment advice.