GGAL
GALICIA FINANCIAL GROUP·NASDAQ
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GGAL fundamentals
GALICIA FINANCIAL GROUP (GGAL) released its earnings on Nov 25, 2025: revenue was 1.44B (YoY +0.77%), missed estimates; EPS was -0.039958 (YoY -134.06%), missed estimates.
Revenue / YoY
1.44B
+0.77%
EPS / YoY
-0.039958
-134.06%
Report date
Nov 25, 2025
GGAL Earnings Call Summary for Q3,2025
- Q3 Results: Net loss of ARS 87.7 billion due to restructuring, but 9M ROE at 6.9% (excluding one-time costs). NPLs rose to 5.8%, driven by retail credit stress.
- 2025 Outlook: Full-year ROE expected at 4% (6% excluding restructuring). 2026 target: 11-12% ROE, with Q4 2026 run rate at 15%.
- Margin Recovery: November margins returned to Q2 levels, with further improvement in 2026. NPLs to peak at 7% in March 2026, then decline to 4.3-4.5%.
- Growth Drivers: 25% YoY loan growth in 2026, focused on commercial lending and short-duration consumer loans. Deposit growth projected at 20%.
- Capital Strength: Tier 1 ratio at 22.1%, with no immediate funding constraints despite LDR near 100%.
- Long-Term Vision: Targeting 15-20% ROE by 2027 through loan-to-GDP expansion and cost efficiency improvements.
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Key Indicators
GALICIA FINANCIAL GROUP (GGAL) key financial stats and ratios, covering profitability, financial health, and leverage.
GALICIA FINANCIAL GROUP (GGAL)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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GALICIA FINANCIAL GROUP (GGAL)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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GALICIA FINANCIAL GROUP (GGAL)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does GALICIA FINANCIAL GROUP (GGAL) generate its revenue? Explore its key revenue streams and top earning regions.
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Track GALICIA FINANCIAL GROUP (GGAL) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is GALICIA FINANCIAL GROUP's latest dividend and current dividend yield?What does GALICIA FINANCIAL GROUP do and what are its main business segments?What factors drove the changes in GALICIA FINANCIAL GROUP's revenue and profit?What were the key takeaways from GALICIA FINANCIAL GROUP's earnings call?What is the market's earnings forecast for GALICIA FINANCIAL GROUP next quarter?What is the revenue and EPS growth rate for GALICIA FINANCIAL GROUP year over year?What guidance did GALICIA FINANCIAL GROUP's management provide for the next earnings period?Did GALICIA FINANCIAL GROUP beat or miss consensus estimates last quarter?
