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GGAL

GALICIA FINANCIAL GROUP·NASDAQ
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GGAL fundamentals

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.
EPS
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q1,2023
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
0.24910.15540.6150.64310.57240.34090.25210.61163.40510.78130.89320.4068
Forecast
0.39650.37360.46170.67780.73740.40810.43030.51241.25580.86761.08620.47590.3364
Surprise
-37.18%
-58.40%
+33.20%
-5.12%
-22.38%
-16.47%
-41.41%
+19.36%
+171.15%
-9.95%
-17.77%
-14.52%
0.00%
Revenue
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q1,2023
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
608.77M590.75M679.08M598.98M780.25M408.65M383.94M1.10B817.84M1.26B1.49B1.29B--
Forecast
414.99M404.20M439.43M508.19M345.84M424.41M444.74M--1.13B1.48B1.14B1.28B1.58B
Surprise
+46.69%
+46.15%
+54.54%
+17.87%
+125.61%
-3.71%
-13.67%
0.00%
-27.30%
-15.41%
+31.28%
+0.62%
0.00%

Earnings Call