GGAL
GALICIA FINANCIAL GROUP·NASDAQ
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3.64 / 10
Netural
GGAL's fundamental assessment is neutral (3.6/10). Key strengths include a positive ROE of 3.37% and an annualized return on equity of 4.50%, which are balanced by weaknesses such as a PB-ROE of 1.1859, indicating potential overvaluation, and a net profit ratio to parent shareholders of 99.967%, suggesting minimal retained earnings. Other factors like gross profit margin (36.7%) and total profit/EBIT (100) are average. The asset-mv and cash-mv metrics are negative, further highlighting balance-sheet concerns. Overall, the fundamental case is challenging, warranting prudence.
Analysis Checks(6/10)
Revenue-MV
Value1.05
Score3/3
Weight16.91%
1M Return6.83%
Value1.05
Score3/3
Weight16.91%
1M Return6.83%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.97
Score1/3
Weight6.69%
1M Return3.07%
Value99.97
Score1/3
Weight6.69%
1M Return3.07%
PB-ROE
Value1.19
Score1/3
Weight10.34%
1M Return4.74%
Value1.19
Score1/3
Weight10.34%
1M Return4.74%
ROE (diluted) (%)
Value3.26
Score1/3
Weight7.87%
1M Return3.43%
Value3.26
Score1/3
Weight7.87%
1M Return3.43%
ROE (%)
Value3.37
Score2/3
Weight7.76%
1M Return3.42%
Value3.37
Score2/3
Weight7.76%
1M Return3.42%
Annualized return on equity (%)
Value4.50
Score2/3
Weight7.76%
1M Return3.42%
Value4.50
Score2/3
Weight7.76%
1M Return3.42%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.62%
1M Return3.46%
Value36.70
Score3/3
Weight7.62%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.60%
1M Return3.44%
Value100.00
Score3/3
Weight7.60%
1M Return3.44%
Asset-MV
Value-0.51
Score0/3
Weight8.91%
1M Return3.95%
Value-0.51
Score0/3
Weight8.91%
1M Return3.95%
Cash-MV
Value-0.07
Score3/3
Weight18.54%
1M Return7.53%
Value-0.07
Score3/3
Weight18.54%
1M Return7.53%
Revenue-MV
Value1.05
Score3/3
Weight16.91%
1M Return6.83%
Value1.05
Score3/3
Weight16.91%
1M Return6.83%
Annualized return on equity (%)
Value4.50
Score2/3
Weight7.76%
1M Return3.42%
Value4.50
Score2/3
Weight7.76%
1M Return3.42%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.97
Score1/3
Weight6.69%
1M Return3.07%
Value99.97
Score1/3
Weight6.69%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.62%
1M Return3.46%
Value36.70
Score3/3
Weight7.62%
1M Return3.46%
PB-ROE
Value1.19
Score1/3
Weight10.34%
1M Return4.74%
Value1.19
Score1/3
Weight10.34%
1M Return4.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.60%
1M Return3.44%
Value100.00
Score3/3
Weight7.60%
1M Return3.44%
ROE (diluted) (%)
Value3.26
Score1/3
Weight7.87%
1M Return3.43%
Value3.26
Score1/3
Weight7.87%
1M Return3.43%
Asset-MV
Value-0.51
Score0/3
Weight8.91%
1M Return3.95%
Value-0.51
Score0/3
Weight8.91%
1M Return3.95%
ROE (%)
Value3.37
Score2/3
Weight7.76%
1M Return3.42%
Value3.37
Score2/3
Weight7.76%
1M Return3.42%
Cash-MV
Value-0.07
Score3/3
Weight18.54%
1M Return7.53%
Value-0.07
Score3/3
Weight18.54%
1M Return7.53%
Is GGAL undervalued or overvalued?
- GGAL scores 3.64/10 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.
