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Companies Financials GGAL.O
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GGAL.O NASDAQ Banks

Ggal.O

$50,51
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USD
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Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
6,7B USD
P/E
EV / Rev
Div yield
Op margin
ROE
2,5 %
Net margin
3,5 %
Debt / equity
0,86
Beta
52w range
Volume
Day range
Prev close
$48,18
Open
$46,05
Next earnings
Ex-dividend
TR 1Y
About

GGAL.O operates as a bank, generating revenue primarily through interest income from loans and fees from financial services.

Business. GGAL.O is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed under the ticker GGAL.O. Specific details regarding its operating segments, headquarters location, and additional primary listings are not provided in the available data.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
BUY8 analysts
6 buy2 hold0 sell
Avg 12m price target67,86

Analyst recommendations

8 analysts · consensus Buy
Buy6
Hold2
Sell0
12-month price target
67,86
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
8 analysts · indicative
Ownership
T. Rowe Price Associates, Inc.
largest disclosed fund holder
Profitability
2,5 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning GGAL.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to GGAL.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    GGAL.O is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed under the ticker GGAL.O. Specific details regarding its operating segments, headquarters location, and additional primary listings are not provided in the available data.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    GGAL.O's capital structure is characterized by a debt-to-equity ratio of 0.86, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The price-to-book ratio is at 0.0, suggesting that the market value is significantly below the book value of the company's assets.

    In terms of profitability, GGAL.O's return on equity (ROE) is 2.52%, which is relatively low compared to the industry's preferred metrics. The return on assets (ROA) is 0.43%, further indicating that the company is not generating substantial returns relative to its asset base. These figures suggest that the company's profitability is below the median for its industry.

    The company's revenue is primarily concentrated in its domestic market, with no significant geographic diversification reported. This concentration may expose the company to regional economic fluctuations and regulatory changes. The absence of detailed segment data limits the ability to assess the contribution of different business lines to overall performance.

    Looking at the growth trajectory, GGAL.O's outlook for the current fiscal year is not explicitly provided, but the company's historical revenue and net income figures suggest a need for improvement. The company's operating cash flow is negative, which could hinder its ability to fund operations and growth initiatives without external financing.

    The risk assessment for GGAL.O highlights a medium liquidity risk and a low dilution risk. The company's negative net cash position is a key flag, indicating potential challenges in meeting short-term obligations. The dilution risk is considered low, suggesting that the company is not expected to issue additional shares in the near term to raise capital.

    Recent events and filings do not provide specific details on the company's strategic initiatives or financial performance. However, the analyst estimates suggest a generally positive outlook, with a mean price target significantly higher than the current market price. The mean recommendation of 2.12 indicates a slight bias towards buying, with a majority of analysts recommending a buy or strong buy.

    Key takeaways
    • GGAL.O has a debt-to-equity ratio of 0.86, indicating a moderate reliance on debt financing.
    • The company's ROE is 2.52%, which is relatively low compared to industry standards.
    • GGAL.O's revenue is primarily concentrated in its domestic market, with no significant geographic diversification.
    • The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt.
    • Analysts have a generally positive outlook on GGAL.O, with a mean price target significantly higher than the current market price.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $50,51
    Market cap
    $5.75B
    Enterprise value
    $6.66T
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    0.0x
    P / Tangible book
    0.0x
    Tangible book
    $7.77T
    Net cash
    -$6.65T
    Current ratio
    Debt / equity
    0.9
    ROA
    0.4%
    ROE
    2.5%
    Cash conversion
    -1672.0%
    CapEx / revenue
    -4.4%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    Business relationships2 disclosed relationships · 1 type · extracted from filings & disclosures
    Partners2

    Supply chain

    Vendors → GGAL ↔ Partners → Customers · click any node to drill
    VENDORSPARTNERSCUSTOMERSGGALGGALGgal.O2 entitiesMASTERCARD INCORPORATEDiversified Online ServiUSVISA INC.Business Support ServiceUS
    2 mentions in 10-K0 from corporate websites0 from news dispatches
    Updated 2026-06-24

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    4,05
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    8
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-05-06 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate4,05
    Revenueno estimateno estimate7,7B ARS
    Operating incomeno estimateno estimate2,7B ARS
    Full-year consensus mean (period as reported by source) · consensus in ARS. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution8 analysts
    Strong buy1
    Buy5
    Hold2
    Sell0
    Strong sell0
    12-month price target$67,86 · Median $64,00
    Low $44,00High $103,00
    Operating income · consensus2,7B ARS
    EPS surprise
    −73,7 %
    reported vs consensus · miss
    Revenue surprise
    −23,0 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$44,00
    Mean$67,86
    Median$64,00
    High$103,00
    Spot$50,51
    +34.3 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin3,5 %Bottom quartile
    ROE2,5 %Bottom quartile
    Capex / Rev-4,4 %Below median
    D/E0,86Below median
    Cash Conv-16,72Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Return On Equity
      net_income / total_equity
    • Price To Earnings
      market_price / (net_income / shares_outstanding_diluted)
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    • Market Cap
      market_price * shares_outstanding_diluted
    Source documents
    • GGAL.O Market data — financials · 2026-05-28
    • Grupo Financiero Galicia SA Market data — analyst estimates · 2026-05-28

    Ownership & reference

    Top holders

    • T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,01 %$0M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,01 %$33M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$65M
    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$11M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$11M
    • EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,00 %$0M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$2M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$1M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$2M
    • Invesco QQQ TrustFunds · as of 2026-03-310,00 %$1M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$0M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M

    Insider activity

    — missing data

    Short positioning

    6.4Mshares short-3.9% vs prior
    5.82days to cover
    56.6%short of daily vol
    193fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    GGAL.OCanonical
    NASDAQ · USD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    GGALJPMBACCMA.NV.NBanks
    This companyPeerSectorPartners

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-05-13FILING6-K filing →
    2026-05-06FILING6-K filing →
    2026-04-30FILING6-K filing →
    2026-04-30FILING6-K filing →
    2026-04-29FILING6-K filing →
    2026-04-17FILING6-K filing →
    2026-04-16FILING20-F filing →
    2026-04-15FILING6-K filing →
    2026-04-07FILING6-K filing →
    2026-04-07FILING6-K filing →
    2026-03-31FILING6-K filing →
    2026-03-11FILING6-K filing →
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage