GGAL
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Pulls against a bullish reading. Current ratio 0.60 · operating margin 2.4%
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 626967 titres (~3293110 USD)
- Insiders
- Moret Silvestre Vila
- Total bought
-
$3,293,110
Avg buy (VWAP, 90d window) $5.25 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-07-08
- Last synced
-
2026-08-03 21:59:44
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-08 | Moret Silvestre Vila | Buy | 224,000 | $5.36 | $1,200,640 | Form 4 |
| 2026-07-07 | Moret Silvestre Vila | Buy | 176 | $5.46 | $961 | Form 4 |
| 2026-07-01 | Moret Silvestre Vila | Buy | 100,000 | $5.11 | $511,000 | Form 4 |
| 2026-06-30 | Moret Silvestre Vila | Buy | 167,791 | $5.27 | $884,259 | Form 4 |
| 2026-06-29 | Moret Silvestre Vila | Buy | 10,000 | $5.25 | $52,500 | Form 4 |
| 2026-06-26 | Moret Silvestre Vila | Buy | 125,000 | $5.15 | $643,750 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-08-03
GGAL presents a meaningful event-driven catalyst — a large insider cluster buy (~$3.29M) paired with a credit-cycle rating upgrade — suggesting informed confidence in a potential macro-driven re-rating, likely tied to…
The first sentence of the analysis written for GGAL on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 45.6% | 62.7% | 49.5% | 50.8% | 56.9% | |
| Ebit Margin | 2.4% | 20.8% | 8.5% | 5.2% | 10.1% | |
| Ebitda Margin | 4.9% | 22.6% | 9.8% | 7.4% | 13.1% | |
| Operating Profit Margin | 2.4% | 20.8% | 8.5% | 5.2% | 10.1% | |
| Pretax Profit Margin | 2.4% | 20.8% | 8.5% | 5.2% | 10.1% | |
| Continuous Operations Profit Margin | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | |
| Net Profit Margin | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | |
| Bottom Line Profit Margin | 1.7% | 15.3% | 5.3% | 3.9% | 6.6% | |
| Current Ratio | 0.598 | 0.665 | 2.703 | 1.092 | 8.500 | |
| Quick Ratio | 0.598 | 0.665 | 2.703 | 1.092 | 8.500 | |
| Solvency Ratio | 0.014 | 0.069 | 0.112 | 0.060 | 0.103 | |
| Cash Ratio | 0.323 | 0.195 | 2.659 | 2.424 | 8.500 | |
| Price To Earnings Ratio | 55.040 | 5.409 | 2.583 | 1.677 | 0.762 | |
| Price To Earnings Growth Ratio | -0.625 | 0.045 | 0.006 | -0.085 | 0.002 | |
| Forward Price To Earnings Growth Ratio | -0.625 | 0.045 | 0.006 | -0.085 | 0.002 | |
| Price To Earnings Diluted Ratio | 55.040 | 5.409 | 2.583 | 1.677 | 0.762 | |
| Price To Earnings Diluted Growth Ratio | -0.625 | 0.045 | 0.006 | -0.085 | 0.002 | |
| Price To Book Ratio | 1.620 | 1.688 | 1.024 | 0.134 | 0.243 | |
| Price To Sales Ratio | 1.012 | 0.963 | 0.149 | 0.030 | 0.050 | |
| Price To Free Cash Flow Ratio | 312.190 | -3.508 | 1.297 | 0.147 | -0.477 | |
| Price To Operating Cash Flow Ratio | 38.472 | -3.787 | 0.332 | 0.142 | -0.512 | |
| Debt To Assets Ratio | 0.079 | 0.066 | 0.046 | 0.047 | 0.049 | |
| Debt To Equity Ratio | 0.464 | 0.356 | 0.231 | 0.259 | 0.270 | |
| Debt To Capital Ratio | 0.317 | 0.263 | 0.188 | 0.206 | 0.213 | |
| Long Term Debt To Capital Ratio | 0.271 | 0.370 | 0.178 | 0.198 | 0.204 | |
| Financial Leverage Ratio | 5.886 | 5.363 | 5.063 | 5.532 | 5.511 | |
| Working Capital Turnover Ratio | -1.369 | -4.105 | 20.880 | 36.963 | 8.740 | |
| Operating Cash Flow Ratio | 0.011 | -0.140 | 8.284 | 3.120 | -5.181 | |
| Operating Cash Flow Sales Ratio | 0.026 | -0.254 | 0.447 | 0.211 | -0.098 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.123 | 1.079 | 0.256 | 0.968 | 1.073 | |
| Debt Service Coverage Ratio | 0.113 | 0.519 | 0.138 | 0.135 | 0.251 | |
| Interest Coverage Ratio | 0.078 | 0.713 | 0.179 | 0.116 | 0.262 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.483 | -6.934 | 122.296 | 0.000 | -446.528 | |
| Operating Cash Flow Coverage Ratio | 0.091 | -1.251 | 13.350 | 3.652 | -1.759 | |
| Capital Expenditure Coverage Ratio | 1.141 | -12.585 | 85.594 | 31.094 | -13.724 | |
| Dividend Paid And Capex Coverage Ratio | 0.488 | -3.257 | 24.681 | 14.480 | -11.605 | |
| Dividend Payout Ratio | 1.804 | 0.378 | 0.244 | 0.201 | 0.020 | |
| Enterprise Value Multiple | 11.182 | 3.599 | 0.392 | -1.023 | -0.420 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 45.6% | ▼-17.1% | ▼-7.5% |
| Ebit Margin | 2.5% | ▼-18.4% | ▼-7.0% |
| Ebitda Margin | 4.9% | ▼-17.7% | ▼-6.7% |
| Operating Profit Margin | 2.5% | ▼-18.4% | ▼-7.0% |
| Pretax Profit Margin | 2.5% | ▼-18.4% | ▼-7.0% |
| Continuous Operations Profit Margin | 1.7% | ▼-13.6% | ▼-4.8% |
| Net Profit Margin | 1.7% | ▼-13.6% | ▼-4.8% |
| Bottom Line Profit Margin | 1.7% | ▼-13.6% | ▼-4.8% |
| Current Ratio | 0.598 | ▼-0.067 | ▼-2.114 |
| Quick Ratio | 0.598 | ▼-0.067 | ▼-2.114 |
| Solvency Ratio | 0.014 | ▼-0.055 | ▼-0.058 |
| Cash Ratio | 0.323 | ▲0.127 | ▼-2.498 |
| Price To Earnings Ratio | 55.040 | ▲49.631 | ▲41.946 |
| Price To Earnings Growth Ratio | -0.625 | ▼-0.671 | ▼-0.494 |
| Forward Price To Earnings Growth Ratio | -0.625 | ▼-0.671 | ▼-0.494 |
| Price To Earnings Diluted Ratio | 55.040 | ▲49.631 | ▲41.946 |
| Price To Earnings Diluted Growth Ratio | -0.625 | ▼-0.671 | ▼-0.494 |
| Price To Book Ratio | 1.620 | ▼-0.067 | ▲0.678 |
| Price To Sales Ratio | 1.012 | ▲0.049 | ▲0.572 |
| Price To Free Cash Flow Ratio | 312.190 | ▲315.698 | ▲250.261 |
| Price To Operating Cash Flow Ratio | 38.472 | ▲42.259 | ▲31.543 |
| Debt To Assets Ratio | 0.079 | ▲0.012 | ▲0.021 |
| Debt To Equity Ratio | 0.464 | ▲0.108 | ▲0.148 |
| Debt To Capital Ratio | 0.317 | ▲0.054 | ▲0.080 |
| Long Term Debt To Capital Ratio | 0.271 | ▼-0.099 | ▲0.027 |
| Financial Leverage Ratio | 5.886 | ▲0.523 | ▲0.415 |
| Working Capital Turnover Ratio | -1.369 | ▲2.736 | ▼-13.591 |
| Operating Cash Flow Ratio | 0.011 | ▲0.152 | ▼-1.208 |
| Operating Cash Flow Sales Ratio | 0.026 | ▲0.281 | ▼-0.040 |
| Free Cash Flow Operating Cash Flow Ratio | 0.123 | ▼-0.956 | ▼-0.577 |
| Debt Service Coverage Ratio | 0.114 | ▼-0.406 | ▼-0.118 |
| Interest Coverage Ratio | 0.078 | ▼-0.635 | ▼-0.191 |
| Short Term Operating Cash Flow Coverage Ratio | 0.483 | ▲7.416 | ▲66.619 |
| Operating Cash Flow Coverage Ratio | 0.091 | ▲1.341 | ▼-2.726 |
| Capital Expenditure Coverage Ratio | 1.141 | ▲13.726 | ▼-17.163 |
| Dividend Paid And Capex Coverage Ratio | 0.488 | ▲3.745 | ▼-4.470 |
| Dividend Payout Ratio | 1.804 | ▲1.426 | ▲1.275 |
| Enterprise Value Multiple | 11.182 | ▲7.583 | ▲8.436 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $12571.66B | $10232.35B | $2066.17B | $254.49B | $144.20B | |
| Enterprise value | $6803.63B | $8635.02B | $536.01B | -$647.94B | -$157.98B | |
| EV / Sales | 0.55x | 0.81x | 0.04x | -0.08x | -0.06x | |
| EV / Op. cash flow | 20.82x | -3.20x | 0.09x | -0.36x | 0.56x | |
| EV / Free cash flow | 168.95x | -2.96x | 0.34x | -0.37x | 0.52x | |
| EV / EBITDA | 11.18x | 3.60x | 0.39x | -1.02x | -0.42x | |
| Net debt / EBITDA | -9.48x | -0.67x | -1.12x | -1.43x | -0.80x | |
| Current ratio | 0.60x | 0.67x | 2.70x | 1.09x | 8.50x | |
| Income quality | 1.07x | -3.62x | 8.49x | 8.79x | -0.98x | |
| Graham number | $4K | $9K | $4K | $3K | $1K | |
| Graham net-net | -$141K | -$114K | -$31K | -$42K | -$13K | |
| Tax burden | 69.9% | 73.5% | 62.1% | 74.1% | 65.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$11682.00B | -$6455.27B | $1277.98B | $52.91B | $408.08B | |
| Invested capital | -$10105.15B | -$5155.26B | $1756.85B | $533.51B | $570.59B | |
| Return on assets | 0.5% | 5.0% | 7.2% | 3.1% | 5.8% | |
| Operating ROA | 0.8% | 10.3% | 11.4% | 6.5% | 11.9% | |
| Return on tangible assets | 0.5% | 5.0% | 7.3% | 3.2% | 5.8% | |
| Return on equity | 2.7% | 26.8% | 36.4% | 17.4% | 31.8% | |
| Return on invested capital | 1.2% | 11.9% | 3.2% | 3.3% | 5.3% | |
| Return on capital employed | 1.8% | 16.7% | 12.5% | 4.5% | 9.0% | |
| Earnings yield | 1.7% | 15.9% | 35.5% | 129.4% | 130.8% | |
| Free cash flow yield | 0.3% | -28.5% | 77.1% | 682.4% | -209.7% | |
| Capex / Op. cash flow | 87.7% | -7.9% | 1.2% | 3.2% | -7.3% | |
| Capex / Depreciation | 94.1% | 114.2% | 86.0% | 66.5% | 23.4% | |
| Capex / Sales | 2.3% | 2.0% | 0.5% | 0.7% | 0.7% | |
| SG&A / Sales | 17.1% | 13.4% | 8.1% | 12.0% | 15.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 0.8% | 0.9% | 1.2% | 1.1% | 1.3% | |
| Days sales outstanding | 233d | 204d | 58d | 56d | 61d | |
| Days payables outstanding | 0d | 22d | 8d | 12d | 0d | |
| Operating cycle | 233d | 204d | 58d | 56d | 61d | |
| Cash conversion cycle | 233d | 182d | 51d | 44d | 61d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+22.9%EV / Sales ▼-32.6%EV / EBITDA ▲+210.7%EV / Op. cash flow ▲+24.016Earnings yield ▼-0.142Graham number ▼-5547.592
Profitability
Return on equity ▼-0.241Return on assets ▼-0.045Return on invested capital ▼-0.107Return on capital employed ▼-0.148Operating ROA ▼-0.096Income quality ▲+4.692Tax burden ▼-0.035
Efficiency
Days sales outstanding ▲+29.447Days payables outstanding ▼-21.692Operating cycle ▲+29.447Cash conversion cycle ▲+51.139Capex / Sales ▲+0.003R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.067Net debt / EBITDA ▼-8.814Working capital ▼-5226729220000.000Invested capital ▼-4949888775000.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▲+8618.1%EV / Sales ▲+1093.4%EV / EBITDA ▲+2762.0%EV / Op. cash flow ▲+20.260Earnings yield ▼-1.291Graham number ▲+2720.149
Profitability
Return on equity ▼-0.291Return on assets ▼-0.053Return on invested capital ▼-0.040Return on capital employed ▼-0.071Operating ROA ▼-0.111Income quality ▲+2.054Tax burden ▲+0.045
Efficiency
Days sales outstanding ▲+172.537Days payables outstanding n/aOperating cycle ▲+172.537Cash conversion cycle ▲+172.537Capex / Sales ▲+0.016R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-7.902Net debt / EBITDA ▼-8.677Working capital ▼-12090081910000.000Invested capital ▼-10675745416000.000Intangibles / Total assets ▼-0.004
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-07-30 GGAL or SMFG: Which Is the Better Value Stock Right Now? Investors interested in stocks from the Banks - Foreign sector have probably already heard of Grupo Financiero Galicia (GGAL) and Sumitomo Mitsui (SMFG). But which of these two stocks presents investors with the better value opportunity right now?
- 2026-07-24 Wall Street Analysts See a 28.95% Upside in Grupo Financiero Galicia (GGAL): Can the Stock Really Move This High? The consensus price target hints at a 29% upside potential for Grupo Financiero Galicia (GGAL). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
- 2026-07-23 Looking for a Fast-paced Momentum Stock at a Bargain? Consider Grupo Financiero Galicia (GGAL) Grupo Financiero Galicia (GGAL) could be a great choice for investors looking to buy stocks that have gained strong momentum recently but are still trading at reasonable prices. It is one of the several stocks that made it through our ''Fast-Paced Momentum at a Bargain'' screen.
- 2026-07-20 Grupo Financiero Galicia: Still Mispriced For The Next Credit Upswing (Rating Upgrade) Banco Galicia is moving through a risk‑normalization phase, with NPLs that spiked after the 2025 shock but are now showing early signs of stabilization. A credit storm hit in 2025 and early 2026, driven by positive real rates and electoral noise, raised consolidated NPL to 9.6% in 1Q26. Even with elevated NPLs, the bank is already cutting provisions, supported by early improvement in delinquency trends for individuals.
- 2026-07-14 GGAL vs. NU: Which Stock Is the Better Value Option? Investors looking for stocks in the Banks - Foreign sector might want to consider either Grupo Financiero Galicia (GGAL) or Nu Holdings Ltd. (NU). But which of these two stocks is more attractive to value investors?
- 2026-06-23 A Look at Grupo Financiero Galicia SA (GGAL) After 3.8% Decline -- GF Value $26.04 vs Price $51.35 On June 23, 2026, Grupo Financiero Galicia SA (GGAL) shares fell 3.8% to a current price of $51.35. The stock has seen considerable volatility over the past yea
- 2026-06-09 Grupo Financiero Galicia SA (GGAL) Stock Up 4.1% but GF Value Says Overvalued -- GF Score: 70/100 On June 09, 2026, Grupo Financiero Galicia SA (GGAL) shares rose 4.1%, closing at $49.95. The stock has experienced a 52-week range between $25.89 and $62.52. T
- 2026-05-27 Grupo Financiero Galicia SA (GGAL) Stock Up 4.9% but GF Value Says Overvalued -- GF Score: 76/100 On May 27, 2026, Grupo Financiero Galicia SA (GGAL) shares rose 4.9% today, closing at $48.18. This movement comes amid a 52-week trading range of $25.89 to $63
- 2026-05-19 Grupo Financiero Galicia Q1 Earnings Call Highlights Grupo Financiero Galicia NASDAQ: GGAL management said profitability weakened sharply in the first quarter of 2026, as higher loan-loss provisions, limited loan demand and inflation accounting effects weighed on results, even as margins and efficiency showed sequential improvement.
- 2026-05-18 Grupo Financiero Galicia SA (GGAL) Shares Surge 3.7% -- What GF Score of 78 Tells Investors On May 18, 2026, Grupo Financiero Galicia SA (GGAL) shares rose 3.7% to a current price of $42.32. Despite today''s upswing, the stock has faced significant chal