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  4. GRUPO FINANCIERO GALICIA - ADR
Grupo Financiero Galicia - ADR
XNAS: GGAL
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XNAS 12 Oct, 2026 5:30 PM (EDT)

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Grupo Financiero Galicia (ADR) quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Grupo Financiero Galicia (ADR) share price target, revenues, EPS, net income and more

Grupo Financiero Galicia (ADR) quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Grupo Financiero Galicia (ADR) Jun-2026 Quarterly Revenue is $2,766,777 Million which is growth of 32.6% YoY.

  • POSITIVE

    Quarterly Net Profit Grupo Financiero Galicia (ADR) Jun-2026 Quarterly Net Profit is $258,322 Million which is growth of 49.6% YoY.

Grupo Financiero Galicia - ADR, Earnings Report - Quarterly Results, standalone, All financials are in ARS Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
2,766,7772,555,3382,649,239.71,972,4912,086,3911,829,548.61,909,4691,277,774.61,828,2901,890,402-1,044,767.3568,891371,112
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-------------
Operating Profit
-------------
⌄
-------------
Profit Before Tax
401,71667,938-33,348.4-173,871275,858235,213747,074.6257,652.1629,405387,470-175,595.474,88783,105
Tax
143,3741,4301,622.4-86,155103,18772,585.278,626.689,711.7220,360132,096-13,425.520,67125,133
⌄
258,32266,488-34,982.5-87,710172,637162,579.2668,474.7167,969408,985255,466-162,167.354,21657,972
Diluted NI Avail to Com Stockholders Ann.
258,32266,488-34,982.5-87,710172,637162,579.2668,474.7167,969408,985255,466-162,167.354,21657,972
Basic EPS
1,608.2413.9-224.2-5491,080.51,017.54,4611,136.52,767.31,728.5-1,095366.6392
Diluted EPS After ExtraOrdinary
1,608.2413.9-520.1-546.12,180.81,017.54,1961,135.84,790.41,728.5-1,096.61,658.7979.7
Number Of Shares End
160.6160.6162.3159.8159.8159.8151.2147.8147.8147.8147.5147.9147.9
Net Income Continuing Discontinued Operations
258,32266,488-34,982.5-87,710172,637162,579.2668,474.7167,969408,985255,466-162,167.354,21657,972
Normalized Income
258,34266,508-34,970.8-87,716350,326.5162,627.8668,448167,940.4708,507.4255,374-162,169.9245,303.8144,888.5
Interest Income
1,669,0921,595,3365,453,168.41,245,4161,215,2361,767,412.81,948,065.21,313,250.61,272,8511,376,435-2,095,336.9291,697198,940
Interest
-----700,342.2820,128.7552,085---1,518,526.8--
Net Interest Income
1,669,0921,595,3362,272,862.41,245,4161,215,2361,067,070.61,127,936.4761,165.71,272,8511,376,435-576,810.1291,697198,940
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
92,27175,149109,434.766,78166,34362,026.573,898.237,67235,53645,723-41,390.314,3919,943
Profit From Continuing Operations
-----235,213747,074.6--586,173.8-175,595.4--
Normalized EBITDA
-------------
*All financials are in ARS Million and price data in USD
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Grupo Financiero Galicia (ADR) competitor comparison and performance snapshot within industry

Grupo Financiero Galicia (ADR) annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Grupo Financiero Galicia (ADR) Dec-2025 Annual Revenue is $8,537,670 Million which is growth of 13.4% YoY.

  • NEGATIVE

    Annual Net Profit Grupo Financiero Galicia (ADR) Dec-2025 Annual Net Profit is $212,524 Million which is growth of -86.9% YoY.

Grupo Financiero Galicia - ADR, Earnings Report - Annual Results, standalone, All financials are in ARS Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
131%
110.6%
 8,537,670.37,526,480.63,350,555.7692,635.6291,004.3205,861.5155,346.784,324.745,128.232,324.423,881
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ------95,746.7-----
Operating Profit Ann.
-
-
 -----301,608.1-----
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
66.7%
47.6%
262,434.6303,851.62,211,223.2543,010.165,642.347,501.443,377.736,857.63,374.513,284.49,370.47,139.8
Tax Ann.
75.1%
38.6%
60,271.491,239.6586,613.6205,840.517,002.916,40717,844.913,038.56,944.24,9553,352.52,801.4
⌄
63.5%
53.2%
202,117.5212,523.71,624,744.8337,172.148,639.431,094.425,191.723,708.1-3,465.88,329.56,017.94,338.4
Diluted NI Avail to Com Stockholders Ann.
63.5%
53.2%
202,117.5212,523.71,624,744.8337,172.148,639.431,094.425,191.723,708.1-3,465.88,329.56,017.94,338.4
EPS Ann.
59.1%
50%
 1,324.810,931.32,281.4329.1210.4174.2165.8-24.378.246.233.3
Diluted EPS Ann.
59.1%
50%
 1,324.810,931.32,281.4329.1210.4174.2165.8-24.378.246.233.3
Number Of Shares End
2.9%
1.7%
 162.3151.2147.5148.8148.8149.4142.2143.2143130.3130.3
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
63.5%
53.2%
202,117.5212,523.71,624,744.8337,172.148,639.431,094.425,191.723,708.1-3,465.88,329.56,017.94,338.4
Normalized Income Ann.
63.5%
52.8%
202,163.2212,6121,624,609.6337,169.648,639.431,094.425,532.819,225.8-3,569.88,760.96,435.14,753.2
Interest Income Ann.
138.1%
125.3%
9,963,012.49,681,233.28,244,240.34,754,293.1716,897.1290,169.8166,806.7130,505.978,273.835,36729,172.720,397.3
Interest Ann.
90%
112%
 3,880,648.33,100,093.53,030,011.7565,523.9181,422.690,573.396,051.644,910.315,997.916,939.211,020.5
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
121.9%
105.6%
343,635.7304,585.3188,067.584,278.627,877.214,497.58,284.35,064.61,652487.2301.4218.6
Profit From Continuing Operations Ann.
66.7%
47.6%
 303,851.62,211,223.2543,010.165,642.347,501.443,377.736,857.63,374.5---
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in ARS Million and price data in USD
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Total Rev. Ann.
1Y CHG
13.4%
2Y CAGR
59.6%
3Y CAGR
131%
5Y CAGR
110.6%
7Y CAGR
93.4%
10Y CAGR
80%
Total Revenue Annual growth is lower than historical averages.
Net Profit Ann.
1Y CHG
-86.9%
2Y CAGR
-20.6%
3Y CAGR
63.5%
5Y CAGR
53.2%
10Y CAGR
47.6%
Net Profit Annual is falling faster than historical averages.

Grupo Financiero Galicia (ADR) balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Grupo Financiero Galicia (ADR) Dec-2025 Total Shareholders Fund is $7,759,336 Million which is growth of 28.0% YoY.

  • POSITIVE

    Total Assets Grupo Financiero Galicia (ADR) Dec-2025 Total Assets is $45,669,451 Million which is growth of 40.4% YoY.

Grupo Financiero Galicia - ADR, Balance Sheet, standalone, All financials are in ARS Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
138.4%
112.4%
45,669,450.732,517,979.410,216,057.83,371,637.61,678,043.11,055,279.2685,519569,691.9341,012.6242,250.6161,748
⌄
139.4%
112.6%
37,909,826.426,454,235.38,198,813.82,762,7601,373,573.8872,945.4568,684507,844.2301,712.4221,897.9147,263.2
⌄
133.6%
111.7%
7,759,335.86,063,585.62,017,155.3608,877.5304,469.2182,333.7113,94260,125.239,300.220,352.714,484.8
Total Capitalization Ann.
141.1%
114.4%
10,637,234.27,780,634.72,453,419.5758,925.3382,384.9234,873.3181,383.3119,29467,615.643,24329,680.6
Tangible Assets Ann.
134.7%
113.1%
7,378,012.35,759,099.41,893,540.5570,364.5283,237.8167,864.9105,249.355,53835,723.217,770.412,459
Working Capital Ann.
-
-
----------
Invested Capital Ann.
141.1%
114.4%
10,637,234.27,780,634.72,453,419.5758,925.3382,384.9234,873.3181,383.3119,29428,315.343,24329,680.6
Tangible Book Value Ann.
134.7%
113.1%
7,378,012.35,759,099.41,893,540.5570,364.5283,237.8167,864.9105,249.355,53835,723.217,770.412,459
Borrowings Ann.
164.6%
119.8%
2,922,095.31,770,764.8465,725157,723.282,297.356,902.971,209.559,168.928,315.322,890.315,195.7
Net Debt Ann.
-
-
-----------
Share Issued Ann.
2.8%
1.7%
1,606.31,593.11,478.91,478.91,478.91,478.91,430.81,430.81,430.81,303.91,303.9
Number Of Shares End
2.9%
1.7%
162.3151.2147.5148.8148.8149.4142.2143.2143130.3130.3
*All financials are in ARS Million and price data in USD
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Total Assets Ann.
1Y CHG
40.4%
2Y CAGR
111.4%
3Y CAGR
138.4%
5Y CAGR
112.4%
7Y CAGR
87.1%
10Y CAGR
75.8%
Total Assets Annual growth is lower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
28%
2Y CAGR
96.1%
3Y CAGR
133.6%
5Y CAGR
111.7%
7Y CAGR
100.2%
10Y CAGR
87.5%
Total ShareHolders Funds Annual growth is lower than historical averages.

Grupo Financiero Galicia (ADR) ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Grupo Financiero Galicia (ADR) Book Value Per Share is $31 which is growth of 20.5% YoY.

  • NEUTRAL

    ROE Grupo Financiero Galicia (ADR) ROE is 0% which is growth of 0% YoY.

Grupo Financiero Galicia - ADR, Ratios, standalone, All financials are in ARS Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-7.60%4.96%1.93%2.28%2.89%3.78%-0.76%2.86%2.98%3.22%
ROE Ann. %
-
-
-40.21%25.68%10.65%12.77%17.01%27.24%-6.97%27.93%34.55%35.08%
ROIC %
-
-
-----------
OPM Ann. %
-
-
-----146.51%-----
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.40.50.30.20.20.30.20.20.20.2
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.30.20.30.30.30.610.71.11.1
*All financials are in ARS Million and price data in USD
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Grupo Financiero Galicia (ADR) cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Grupo Financiero Galicia (ADR) Dec-2025 Cash From Operating Activity is $-1,605,422 Million which is growth of -145.8% YoY.

  • NEGATIVE

    Net Cash Flow Grupo Financiero Galicia (ADR) Dec-2025 Net Cash Flow is $-954,554 Million which is growth of -120.0% YoY.

Grupo Financiero Galicia - ADR, Cash Flow, standalone, All financials are in ARS Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-
-
-1,605,422.43,502,782.11,667,300.9580,220.8282,811.1183,754-10,568.986,265.9---
⌄
-
-
-222,929.1865,179-81,858.5-18,699.7-8,417.7-6,782.3-5,217.4-3,538-1,747.5-1,479.1-1,122.9
⌄
235.9%
-
873,798413,524.8-229,764.123,050.58,428.6-35,106.1-27,130.210,397.310,712.62,664-1,529.2
Cash Plus Cash Eqv. End Of Year Ann.
97.8%
93.5%
10,272,443.37,406,415.63,267,339.51,326,861.1641,961.2378,819.9232,119225,868.586,317.573,087.742,975.3
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-954,553.64,781,485.91,355,678.3584,571.5282,822141,865.5-42,916.594,456.48,080.926,19812,972.9
Cash Plus Cash Eqv. Begin Of Year Ann.
98.2%
98.5%
9,743,047.97,115,077.14,131,560.41,250,494.5571,796.9316,008.1347,458.9131,958.273,087.742,975.323,054
Income Tax Paid Supplemental Data Ann.
-
-
-----------
Interest Paid Supplemental Data Ann.
-
-
-----------
Capex Ann.
-
-
-245,914.8-214,703.5-74,018.5-18,530.2-9,943.3-7,124-7,897.1-3,688-929.8-900.5-740.3
Issuance Of Capital Stock Ann.
-
-
126,047.4----------
Issuance Of Debt Ann.
205.5%
164.7%
4,061,878.92,096,412.2448,800.5142,465.846,895.131,259.6473.133,042.62,170.13,243.2169.7
Repayment Of Debt Ann.
-
-
-2,984,994.1-1,066,964.7-499,288.7-94,241.7-36,540.7-64,329.3-25,074.7-20,983-2,134.9-386.6-1,561.6
Repurchase Of Capital Stock Ann.
-
-
-----------
Free Cash Flow Ann.
-
-
-1,851,337.23,288,078.61,593,282.4561,690.6272,867.9176,630.1-18,46682,577.9-1,81424,112.714,884.7
*All financials are in ARS Million and price data in USD
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Cash from Financing Act. Ann.
1Y CHG
111.3%
3Y CAGR
235.9%
7Y CAGR
88.3%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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