GGAL
GALICIA FINANCIAL GROUP·NASDAQ
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3.13 / 10
Netural
Fundamental analysis yields a concerning rating (3.1/10). Weak year-over-year profit growth (-82.38%) and a high payout ratio of 88.38% raise sustainability questions. However, a solid gross profit margin (36.7%) and strong total-profit-to-EBIT ratio (100%) offer some relief. Net assets per share show modest growth (6.38% YoY), yet the negative cash-MV gap (-0.067) suggests limited margin of safety. Overall, the balance sheet is stable but not robust, and earnings quality needs improvement.
Analysis Checks(5/10)
Net assets per share (growth rate compared to beginning of year %)
Value6.38
Score1/3
Weight7.21%
1M Return3.39%
Value6.38
Score1/3
Weight7.21%
1M Return3.39%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.97
Score1/3
Weight6.33%
1M Return3.05%
Value99.97
Score1/3
Weight6.33%
1M Return3.05%
Profit-MV
Value0.46
Score3/3
Weight16.69%
1M Return6.98%
Value0.46
Score3/3
Weight16.69%
1M Return6.98%
PB-ROE
Value1.24
Score1/3
Weight10.50%
1M Return4.93%
Value1.24
Score1/3
Weight10.50%
1M Return4.93%
Asset-MV
Value-0.50
Score0/3
Weight9.75%
1M Return4.22%
Value-0.50
Score0/3
Weight9.75%
1M Return4.22%
Revenue-MV
Value1.06
Score2/3
Weight14.21%
1M Return6.44%
Value1.06
Score2/3
Weight14.21%
1M Return6.44%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.22%
1M Return3.43%
Value36.70
Score3/3
Weight7.22%
1M Return3.43%
Total profit (YoY growth rate %)
Value-82.38
Score0/3
Weight3.89%
1M Return2.05%
Value-82.38
Score0/3
Weight3.89%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.22%
1M Return3.43%
Value100.00
Score3/3
Weight7.22%
1M Return3.43%
Cash-MV
Value-0.07
Score3/3
Weight16.98%
1M Return7.61%
Value-0.07
Score3/3
Weight16.98%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value6.38
Score1/3
Weight7.21%
1M Return3.39%
Value6.38
Score1/3
Weight7.21%
1M Return3.39%
Revenue-MV
Value1.06
Score2/3
Weight14.21%
1M Return6.44%
Value1.06
Score2/3
Weight14.21%
1M Return6.44%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.97
Score1/3
Weight6.33%
1M Return3.05%
Value99.97
Score1/3
Weight6.33%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.22%
1M Return3.43%
Value36.70
Score3/3
Weight7.22%
1M Return3.43%
Profit-MV
Value0.46
Score3/3
Weight16.69%
1M Return6.98%
Value0.46
Score3/3
Weight16.69%
1M Return6.98%
Total profit (YoY growth rate %)
Value-82.38
Score0/3
Weight3.89%
1M Return2.05%
Value-82.38
Score0/3
Weight3.89%
1M Return2.05%
PB-ROE
Value1.24
Score1/3
Weight10.50%
1M Return4.93%
Value1.24
Score1/3
Weight10.50%
1M Return4.93%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.22%
1M Return3.43%
Value100.00
Score3/3
Weight7.22%
1M Return3.43%
Asset-MV
Value-0.50
Score0/3
Weight9.75%
1M Return4.22%
Value-0.50
Score0/3
Weight9.75%
1M Return4.22%
Cash-MV
Value-0.07
Score3/3
Weight16.98%
1M Return7.61%
Value-0.07
Score3/3
Weight16.98%
1M Return7.61%
Is GGAL undervalued or overvalued?
- GGAL scores 3.13/10 on fundamentals and holds a Fair valuation at present. Backed by its 3.37% ROE, 11.26% net margin, 15.18 P/E ratio, 1.53 P/B ratio, and 167.32% earnings growth, these metrics solidify its Netural investment rating.
