Symbols

GGAL

GALICIA FINANCIAL GROUP·NASDAQ

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GGAL fundamentals

GGAL Q4 2025 Earnings Preview

GALICIA FINANCIAL GROUP (GGAL) expects to report earnings on Mar 5, 2026, with estimated revenue of 1.58B (YoY +93.29%), and EPS at 0.3364 (YoY -90.12%).

Revenue estimate / YoY

1.58B

+93.29%

EPS estimate / YoY

0.3364

-90.12%

Report date

Mar 5, 2026

GGAL Earnings Call Summary for Q4,2025

2025 Performance: Net income down 91% YoY to ARS 196 billion, driven by Banco Galicia losses (ARS 70 billion) and Naranja X (ARS 49 billion). Q4 2025 net loss: ARS 84 billion.
2026 Outlook:
- Loan Growth: 25% YoY target (H1 slower, H2 acceleration).
- ROE: 10%-11% in 2026, rising to >15% in 2027.
- Cost of Risk: Decline from 12.5% (Q4 2025) to 8% by end-2026.
Strategic Focus: Commercial lending in agribusiness, oil/gas, and automotive supply chains; cautious dollar lending.
Risks: Inflation acceleration, asset quality recovery pace, and macroeconomic normalization delays.

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Revenue & Expenses

Key Indicators

GALICIA FINANCIAL GROUP (GGAL) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

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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Balance Sheet

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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Breakdown

Cash Flow

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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