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INDICATIVE · SAMPLE DATA
GGAL$43.4360

GGAL.O

BanksVerified

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.

30-day price · GGAL-1.00 (-2.0%)
Low$39.24High$50.00Close$48.18As of28 May, 00:00 UTC
Profile
CompanyGGAL.O
TickerGGAL.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

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

Classification. GGAL.O is classified under the industry "Banks" within the business sector "Banking & Investment Services" with a confidence level of 0.92.

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.
  • --
  • # RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyARS
Revenue$5.59T
Gross profit
Operating income
Net income$196.05B
R&D
SG&A
D&A
SBC
Operating cash flow-$3.28T
CapEx-$245.91B
Free cash flow-$70.86B
Total assets$45.78T
Total liabilities$38.01T
Total equity$7.77T
Cash & equivalents
Long-term debt$6.65T
Valuation
Market price$43.43
Market cap$5.75B
Enterprise value$6.66T
P/E0.0
Reported non-GAAP P/E
EV/Revenue1.2
EV/Op income
EV/OCF
P/B0.0
P/Tangible book0.0
Tangible book$7.77T
Net cash-$6.65T
Current ratio
Debt/Equity0.9
ROA0.4%
ROE2.5%
Cash conversion-16.7%
CapEx/Revenue-4.4%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricGGALActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin3.5%33.6% medp25 19.4% · p75 51.1%bottom quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.4%-4.6% medp25 -10.4% · p75 -2.1%above median
Debt / equity86.0%56.1% medp25 13.2% · p75 161.2%above median
Observations
IR observations
Mean price target67.86 ARS
Median price target64.00 ARS
High price target103.00 ARS
Low price target44.00 ARS
Mean recommendation2.12 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count5.00
Hold count2.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate4.05 ARS
Last actual EPS1.07 ARS
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-06 16:52 UTC#95158bae
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 00:43 UTCJob: 666385cd