Grupo Financiero Galicia S.A. (GGAL)
ValueMarkers Composite Index
143% above intrinsic value ($0)
Grupo Financiero Galicia S.A. (GGAL) — VMCI valuation read
Headline read on GGAL: VMCI of 53/100 versus a Financial Services sector median of 50. The 3-point above-median position is what makes Grupo Financiero Galicia S.A. a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on GGAL: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on GGAL: value (GGAL trades at 21.0x earnings, 17% above the Financial Services median of 18.0x), quality (ROIC of 19.0% sits 9.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 1.6x is the rate-sensitivity line to watch). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
GGAL rose 0.5% over the trailing 7 days, with a -10.0% read on a 30-day basis.
Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Banks, NaranjaX, Insurance, and Other Businesses segments. The company's products and services cover savings, current, and checking accounts; personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services. It also offers financing products and services; consumer finance services; electronic check; global custody services; Fima funds; financial and stock market services to individuals, companies, and financial institutions; foreign trade services; and capital market and investment banking products that include debt securities, short-term securities, bills, and financial trusts. In addition, the company provides robbery, personal accident, life collective, home, life, integral pyme, pet, surety, various risks, and technical insurance products. Further, it offers private banking services to high net worth individuals; and operates digital investment platform. As of December 31, 2021, it had 312 full service banking branches; and 1,991 ATMs and self-service terminals. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.
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