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Grupo Financiero Galicia B
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Let's analyse Grupo Financiero Galicia B together

PenkeI guess you are interested in Grupo Financiero Galicia B. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Grupo Financiero Galicia B. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Grupo Financiero Galicia B (30 sec.)










What can you expect buying and holding a share of Grupo Financiero Galicia B? (30 sec.)

How much money do you get?

How much money do you get?
ARS0.08
When do you have the money?
1 year
How often do you get paid?
80.0%

What is your share worth?

Current worth
ARS412.88
Expected worth in 1 year
ARS1,243.73
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
ARS899.13
Return On Investment
38.0%

For what price can you sell your share?

Current Price per Share
ARS2,368.85
Expected price per share
ARS1,527 - ARS2,875
How sure are you?
50%
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1. Valuation of Grupo Financiero Galicia B (5 min.)




Live pricePrice per Share (EOD)

ARS2,368.85

Intrinsic Value Per Share

ARS3,900.60 - ARS7,836.01

Total Value Per Share

ARS4,313.48 - ARS8,248.89

2. Growth of Grupo Financiero Galicia B (5 min.)




Is Grupo Financiero Galicia B growing?

Current yearPrevious yearGrowGrow %
How rich?$730.6m$363m$367.5m50.3%

How much money is Grupo Financiero Galicia B making?

Current yearPrevious yearGrowGrow %
Making money$58.3m$35.3m$23m39.5%
Net Profit Margin7.0%10.8%--

How much money comes from the company's main activities?

3. Financial Health of Grupo Financiero Galicia B (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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What can you expect buying and holding a share of Grupo Financiero Galicia B? (5 min.)

Welcome investor! Grupo Financiero Galicia B's management wants to use your money to grow the business. In return you get a share of Grupo Financiero Galicia B.

What can you expect buying and holding a share of Grupo Financiero Galicia B?

First you should know what it really means to hold a share of Grupo Financiero Galicia B. And how you can make/lose money.

Speculation

The Price per Share of Grupo Financiero Galicia B is ARS2,369. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Grupo Financiero Galicia B.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Grupo Financiero Galicia B, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ARS412.88. Based on the TTM, the Book Value Change Per Share is ARS207.71 per quarter. Based on the YOY, the Book Value Change Per Share is ARS83.21 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ARS17.07 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Grupo Financiero Galicia B.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ARS% of Price per ShareARS% of Price per ShareARS% of Price per ShareARS% of Price per ShareARS% of Price per Share
Usd Eps0.040.0%0.040.0%0.030.0%0.020.0%0.010.0%
Usd Book Value Change Per Share0.250.0%0.250.0%0.100.0%0.090.0%0.050.0%
Usd Dividend Per Share0.020.0%0.020.0%0.000.0%0.010.0%0.000.0%
Usd Total Gains Per Share0.270.0%0.270.0%0.100.0%0.100.0%0.050.0%
Usd Price Per Share0.40-0.40-0.23-0.21-0.13-
Price to Earnings Ratio9.51-9.51-8.75-0.25-4.95-
Price-to-Total Gains Ratio1.48-1.48-2.31-3.13-5.87-
Price to Book Ratio0.80-0.80-0.95-1.33-2.00-
Price-to-Total Gains Ratio1.48-1.48-2.31-3.13-5.87-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share2.84262012
Number of shares351
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.020.01
Usd Book Value Change Per Share0.250.09
Usd Total Gains Per Share0.270.10
Gains per Quarter (351 shares)94.6834.53
Gains per Year (351 shares)378.71138.13
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1293503698130128
25870074817260266
3861050112725390404
41151400150633519542
51441750188541649680
61732100226450779818
72012450264358909956
8230280030226610391094
9259315034017511691232
10288350037808312981370

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%9.01.00.090.0%16.01.00.094.1%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.00.02.080.0%8.00.09.047.1%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%
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Fundamentals of Grupo Financiero Galicia B

About Grupo Financiero Galicia B

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. It also offers personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services, as well as savings, deposits, and checking accounts related services. In addition, the company offers financing products; consumer finance and digital banking 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, and financial trusts. Further, it provides robbery, personal accident, life collective, home, life, integral, pet, surety, and technical insurance products. Additionally, the company offers private banking services to high net worth individuals; and operates digital investment platform. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

Fundamental data was last updated by Penke on 2024-02-28 02:24:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.
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1.1. Profitability of Grupo Financiero Galicia B.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Grupo Financiero Galicia B earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • A Net Profit Margin of 7.0% means that $0.07 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Grupo Financiero Galicia B:

  • The MRQ is 7.0%. The company is making a profit. +1
  • The TTM is 7.0%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ7.0%TTM7.0%0.0%
TTM7.0%YOY10.8%-3.8%
TTM7.0%5Y8.2%-1.2%
5Y8.2%10Y12.5%-4.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.0%36.5%-29.5%
TTM7.0%28.8%-21.8%
YOY10.8%24.2%-13.4%
5Y8.2%23.3%-15.1%
10Y12.5%19.7%-7.2%
1.1.2. Return on Assets

Shows how efficient Grupo Financiero Galicia B is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • 1.4% Return on Assets means that Grupo Financiero Galicia B generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Grupo Financiero Galicia B:

  • The MRQ is 1.4%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.4%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.4%TTM1.4%0.0%
TTM1.4%YOY1.8%-0.3%
TTM1.4%5Y1.7%-0.3%
5Y1.7%10Y2.1%-0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.4%0.3%+1.1%
TTM1.4%0.2%+1.2%
YOY1.8%0.2%+1.6%
5Y1.7%0.2%+1.5%
10Y2.1%0.2%+1.9%
1.1.3. Return on Equity

Shows how efficient Grupo Financiero Galicia B is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • 8.0% Return on Equity means Grupo Financiero Galicia B generated $0.08 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Grupo Financiero Galicia B:

  • The MRQ is 8.0%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 8.0%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ8.0%TTM8.0%0.0%
TTM8.0%YOY9.7%-1.7%
TTM8.0%5Y9.5%-1.5%
5Y9.5%10Y18.7%-9.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.0%3.1%+4.9%
TTM8.0%2.7%+5.3%
YOY9.7%2.7%+7.0%
5Y9.5%2.5%+7.0%
10Y18.7%2.9%+15.8%
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1.2. Operating Efficiency of Grupo Financiero Galicia B.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Grupo Financiero Galicia B is operating .

  • Measures how much profit Grupo Financiero Galicia B makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Grupo Financiero Galicia B:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
1.2.2. Operating Ratio

Measures how efficient Grupo Financiero Galicia B is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Grupo Financiero Galicia B:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.185-0.185
5Y0.18510Y0.320-0.135
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1.3. Liquidity of Grupo Financiero Galicia B.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Grupo Financiero Galicia B is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.21 means the company has $0.21 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Grupo Financiero Galicia B:

  • The MRQ is 0.209. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.209. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.209TTM0.2090.000
TTM0.209YOY0.644-0.435
TTM0.2095Y0.515-0.306
5Y0.51510Y0.412+0.103
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2090.234-0.025
TTM0.2090.186+0.023
YOY0.6440.228+0.416
5Y0.5150.233+0.282
10Y0.4120.131+0.281
1.3.2. Quick Ratio

Measures if Grupo Financiero Galicia B is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Grupo Financiero Galicia B:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.014-0.014
TTM-5Y0.021-0.021
5Y0.02110Y0.055-0.033
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-0.001-0.001
5Y0.0210.016+0.005
10Y0.0550.013+0.042
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1.4. Solvency of Grupo Financiero Galicia B.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Grupo Financiero Galicia B assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Grupo Financiero Galicia B to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.82 means that Grupo Financiero Galicia B assets are financed with 81.9% credit (debt) and the remaining percentage (100% - 81.9%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Grupo Financiero Galicia B:

  • The MRQ is 0.819. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.819. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.819TTM0.8190.000
TTM0.819YOY0.820-0.001
TTM0.8195Y0.838-0.019
5Y0.83810Y0.870-0.032
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8190.916-0.097
TTM0.8190.917-0.098
YOY0.8200.919-0.099
5Y0.8380.920-0.082
10Y0.8700.928-0.058
1.4.2. Debt to Equity Ratio

Measures if Grupo Financiero Galicia B is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 453.7% means that company has $4.54 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Grupo Financiero Galicia B:

  • The MRQ is 4.537. The company is unable to pay all its debts with equity. -1
  • The TTM is 4.537. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ4.537TTM4.5370.000
TTM4.537YOY4.558-0.021
TTM4.5375Y5.483-0.946
5Y5.48310Y7.637-2.154
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.53710.841-6.304
TTM4.53711.116-6.579
YOY4.55811.414-6.856
5Y5.48311.618-6.135
10Y7.63713.164-5.527
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2. Market Valuation of Grupo Financiero Galicia B

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Grupo Financiero Galicia B generates.

  • Above 15 is considered overpriced but always compare Grupo Financiero Galicia B to the Banks - Regional industry mean.
  • A PE ratio of 9.51 means the investor is paying $9.51 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Grupo Financiero Galicia B:

  • The EOD is 67.884. Based on the earnings, the company is expensive. -2
  • The MRQ is 9.514. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.514. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD67.884MRQ9.514+58.370
MRQ9.514TTM9.5140.000
TTM9.514YOY8.749+0.765
TTM9.5145Y0.246+9.268
5Y0.24610Y4.947-4.701
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD67.8843.694+64.190
MRQ9.5143.814+5.700
TTM9.5145.611+3.903
YOY8.7499.550-0.801
5Y0.24610.088-9.842
10Y4.94710.196-5.249
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Grupo Financiero Galicia B:

  • The EOD is 6.219. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 0.872. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 0.872. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.219MRQ0.872+5.348
MRQ0.872TTM0.8720.000
TTM0.872YOY1.056-0.184
TTM0.8725Y-0.927+1.798
5Y-0.92710Y-9.710+8.783
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.2190.747+5.472
MRQ0.8720.771+0.101
TTM0.8720.514+0.358
YOY1.0565.763-4.707
5Y-0.9270.476-1.403
10Y-9.7100.138-9.848
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Grupo Financiero Galicia B is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.80 means the investor is paying $0.80 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Grupo Financiero Galicia B:

  • The EOD is 5.737. Based on the equity, the company is overpriced. -1
  • The MRQ is 0.804. Based on the equity, the company is cheap. +2
  • The TTM is 0.804. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.737MRQ0.804+4.933
MRQ0.804TTM0.8040.000
TTM0.804YOY0.952-0.148
TTM0.8045Y1.331-0.527
5Y1.33110Y1.995-0.664
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.7370.452+5.285
MRQ0.8040.467+0.337
TTM0.8040.520+0.284
YOY0.9520.697+0.255
5Y1.3310.813+0.518
10Y1.9951.069+0.926
2. Total Gains per Share
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3. Summary

3.1. Key Performance Indicators

The key performance indicators of Grupo Financiero Galicia B compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--207.712207.7120%83.208+150%77.068+170%40.822+409%
Book Value Per Share--412.885412.8850%205.172+101%173.052+139%93.849+340%
Current Ratio--0.2090.2090%0.644-68%0.515-59%0.412-49%
Debt To Asset Ratio--0.8190.8190%0.8200%0.838-2%0.870-6%
Debt To Equity Ratio--4.5374.5370%4.5580%5.483-17%7.637-41%
Dividend Per Share--17.07017.0700%1.306+1207%4.919+247%2.524+576%
Eps--34.89534.8950%22.329+56%20.127+73%12.096+188%
Free Cash Flow Per Share--380.887380.8870%185.034+106%146.126+161%95.254+300%
Free Cash Flow To Equity Per Share--396.517396.5170%200.969+97%157.606+152%106.953+271%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--7836.007--------
Intrinsic Value_10Y_min--3900.596--------
Intrinsic Value_1Y_max--349.360--------
Intrinsic Value_1Y_min--209.960--------
Intrinsic Value_3Y_max--1381.865--------
Intrinsic Value_3Y_min--791.270--------
Intrinsic Value_5Y_max--2814.854--------
Intrinsic Value_5Y_min--1543.944--------
Market Cap2827151415142.195+83%489597774212.000489597774212.0000%288081082200.000+70%256800148944.110+91%158901468469.671+208%
Net Profit Margin--0.0700.0700%0.108-35%0.082-15%0.125-44%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%0.185-100%0.320-100%
Pb Ratio5.737+86%0.8040.8040%0.952-16%1.331-40%1.995-60%
Pe Ratio67.884+86%9.5149.5140%8.749+9%0.246+3761%4.947+92%
Price Per Share2368.850+86%332.000332.0000%195.350+70%175.600+89%110.933+199%
Price To Free Cash Flow Ratio6.219+86%0.8720.8720%1.056-17%-0.927+206%-9.710+1214%
Price To Total Gains Ratio10.538+86%1.4771.4770%2.311-36%3.126-53%5.875-75%
Quick Ratio----0%0.014-100%0.021-100%0.055-100%
Return On Assets--0.0140.0140%0.018-18%0.017-16%0.021-33%
Return On Equity--0.0800.0800%0.097-18%0.095-16%0.187-57%
Total Gains Per Share--224.783224.7830%84.514+166%81.987+174%43.346+419%
Usd Book Value--730653069.600730653069.6000%363079200.000+101%304796691.600+140%163656946.920+346%
Usd Book Value Change Per Share--0.2490.2490%0.100+150%0.092+170%0.049+409%
Usd Book Value Per Share--0.4950.4950%0.246+101%0.208+139%0.113+340%
Usd Dividend Per Share--0.0200.0200%0.002+1207%0.006+247%0.003+576%
Usd Eps--0.0420.0420%0.027+56%0.024+73%0.015+188%
Usd Free Cash Flow--674028673.200674028673.2000%327441429.600+106%258072079.680+161%133498038.480+405%
Usd Free Cash Flow Per Share--0.4570.4570%0.222+106%0.175+161%0.114+300%
Usd Free Cash Flow To Equity Per Share--0.4760.4760%0.241+97%0.189+152%0.128+271%
Usd Market Cap3392581698.171+83%587517329.054587517329.0540%345697298.640+70%308160178.733+91%190681762.164+208%
Usd Price Per Share2.843+86%0.3980.3980%0.234+70%0.211+89%0.133+199%
Usd Profit--58367280.00058367280.0000%35316000.000+65%29940168.240+95%17831746.440+227%
Usd Revenue--831162721.200831162721.2000%327008400.000+154%340878719.760+144%187210890.720+344%
Usd Total Gains Per Share--0.2700.2700%0.101+166%0.098+174%0.052+419%
 EOD+4 -4MRQTTM+0 -0YOY+25 -85Y+25 -910Y+25 -9

3.2. Fundamental Score

Let's check the fundamental score of Grupo Financiero Galicia B based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1567.884
Price to Book Ratio (EOD)Between0-15.737
Net Profit Margin (MRQ)Greater than00.070
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.209
Debt to Asset Ratio (MRQ)Less than10.819
Debt to Equity Ratio (MRQ)Less than14.537
Return on Equity (MRQ)Greater than0.150.080
Return on Assets (MRQ)Greater than0.050.014
Total2/10 (20.0%)

3.3. Technical Score

Let's check the technical score of Grupo Financiero Galicia B based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.306
Ma 20Greater thanMa 502,490.905
Ma 50Greater thanMa 1002,150.540
Ma 100Greater thanMa 2001,691.516
OpenGreater thanClose2,470.000
Total5/5 (100.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2018-12-312019-12-312020-12-312021-12-312022-12-31
Retained Earnings  38,868,37340,345,04579,213,41871,227,132150,440,55031,002,622181,443,172-356,220,747-174,777,575



Latest Balance Sheet

Balance Sheet of 2022-12-31. Currency in ARS. All numbers in thousands.

Summary
Total Assets3,371,637,567
Total Liabilities2,762,760,009
Total Stockholder Equity608,877,539
 As reported
Total Liabilities 2,762,760,009
Total Stockholder Equity+ 608,877,539
Total Assets = 3,371,637,567

Assets

Total Assets3,371,637,567
Total Current Assets447,545,000
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 447,544,202
Other Current Assets 1,000
Total Current Assets  (as reported)447,545,000
Total Current Assets  (calculated)447,545,202
+/- 202
Long-term Assets
Property Plant Equipment 115,820,988
Long Term Investments 1,172,705,576
Intangible Assets 38,513,019
Long-term Assets  (as reported)0
Long-term Assets  (calculated)1,327,039,583
+/- 1,327,039,583

Liabilities & Shareholders' Equity

Total Current Liabilities2,141,978,000
Long-term Liabilities0
Total Stockholder Equity608,877,539
Total Current Liabilities
Accounts payable 2,141,978,000
Total Current Liabilities  (as reported)2,141,978,000
Total Current Liabilities  (calculated)2,141,978,000
+/-0
Long-term Liabilities
Capital Lease Obligations Min Short Term Debt7,675,499
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)7,675,499
+/- 7,675,499
Total Stockholder Equity
Common Stock609,345,000
Total Stockholder Equity (as reported)608,877,539
Total Stockholder Equity (calculated)609,345,000
+/- 467,461
Other
Capital Stock1,474,692
Common Stock Shares Outstanding 1,474,692
Net Invested Capital 758,925,282
Net Tangible Assets 570,832,000
Net Working Capital -1,694,433,000
Property Plant and Equipment Gross 214,258,643



Balance Sheet

Currency in ARS. All numbers in thousands.

 Trend2022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-31
> Total Assets 
16,744,626
12,651,727
22,533,828
22,894,665
23,650,554
25,635,724
23,634,175
22,828,738
24,735,790
27,602,366
35,708,063
51,193,026
63,458,271
83,155,823
107,314,478
161,748,003
242,250,624
341,012,560
569,691,898
685,519,011
1,057,950,000
1,681,697,000
3,371,637,567
3,371,637,5671,681,697,0001,057,950,000685,519,011569,691,898341,012,560242,250,624161,748,003107,314,47883,155,82363,458,27151,193,02635,708,06327,602,36624,735,79022,828,73823,634,17525,635,72423,650,55422,894,66522,533,82812,651,72716,744,626
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
52,901,674
91,465,278
166,854,259
364,240,096
349,946,654
655,482,059
734,945,674
447,545,000
447,545,000734,945,674655,482,059349,946,654364,240,096166,854,25991,465,27852,901,674000000000000000
       Cash And Cash Equivalents 
3,069,542
303,467
295,638
895,996
1,067,132
1,149,977
4,173,135
1,311,149
1,987,508
2,463,370
2,769,725
4,293,478
5,017,519
5,131,546
9,105,211
18,282,410
61,166,250
56,659,196
143,309,428
130,649,061
175,423,000
237,427,000
447,544,202
447,544,202237,427,000175,423,000130,649,061143,309,42856,659,19661,166,25018,282,4109,105,2115,131,5465,017,5194,293,4782,769,7252,463,3701,987,5081,311,1494,173,1351,149,9771,067,132895,996295,638303,4673,069,542
       Short-term Investments 
0
0
0
0
0
0
0
1,648,864
2,036,164
2,066,792
3,932,281
3,979,121
5,652,101
9,473,778
12,483,203
14,286
51,389,550
11,256
2,068,076
30,075,478
0
0
0
00030,075,4782,068,07611,25651,389,55014,28612,483,2039,473,7785,652,1013,979,1213,932,2812,066,7922,036,1641,648,8640000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,048,633
10,054,817
3,004,590
8,388,682
8,726,956
15,421,465
16,130,263
0
016,130,26315,421,4658,726,9568,388,6823,004,59010,054,8177,048,633000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26,213,101
55,436,452
84,451,814
189,772,061
122,833,178
189,299,766
221,177,840
1,000
1,000221,177,840189,299,766122,833,178189,772,06184,451,81455,436,45226,213,101000000000000000
   > Long-term Assets 00000000000000000000000
       Property Plant Equipment 
263,855
283,324
549,544
517,532
489,182
484,198
490,290
743,132
871,269
898,321
948,067
1,034,692
1,274,777
1,478,517
1,757,220
2,731,649
3,821,142
18,209,015
29,785,930
14,087,709
43,731,000
62,196,000
115,820,988
115,820,98862,196,00043,731,00014,087,70929,785,93018,209,0153,821,1422,731,6491,757,2201,478,5171,274,7771,034,692948,067898,321871,269743,132490,290484,198489,182517,532549,544283,324263,855
       Goodwill 
0
0
167,260
139,681
115,080
85,003
65,165
58,266
37,804
26,346
23,467
10,827
8,888
13,249
24,990
15,316
5,642
0
0
0
0
0
0
0000005,64215,31624,99013,2498,88810,82723,46726,34637,80458,26665,16585,003115,080139,681167,26000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,047,911
13,753,764
38,799,440
99,568,283
95,297,358
272,725,000
591,816,000
1,172,705,576
1,172,705,576591,816,000272,725,00095,297,35899,568,28338,799,44013,753,7645,047,911000000000000000
       Intangible Assets 
84,241
126,455
167,260
139,681
115,080
85,003
65,165
58,266
37,804
26,346
23,467
10,827
8,888
13,249
24,990
15,316
2,576,613
3,577,022
4,587,147
8,692,712
14,468,821
21,231,442
38,513,019
38,513,01921,231,44214,468,8218,692,7124,587,1473,577,0222,576,61315,31624,99013,2498,88810,82723,46726,34637,80458,26665,16585,003115,080139,681167,260126,45584,241
> Total Liabilities 
15,314,941
11,125,592
20,826,272
21,336,391
22,017,549
23,863,449
21,858,522
20,956,646
22,643,841
25,261,258
32,856,352
47,112,097
57,886,273
75,606,635
96,287,028
146,155,867
221,897,926
301,712,356
507,844,212
568,684,040
878,090,000
1,379,131,000
2,762,760,009
2,762,760,0091,379,131,000878,090,000568,684,040507,844,212301,712,356221,897,926146,155,86796,287,02875,606,63557,886,27347,112,09732,856,35225,261,25822,643,84120,956,64621,858,52223,863,44922,017,54921,336,39120,826,27211,125,59215,314,941
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
105,894,298
168,690,311
331,835,101
620,718,087
636,387,813
1,119,029,616
1,141,621,231
2,141,978,000
2,141,978,0001,141,621,2311,119,029,616636,387,813620,718,087331,835,101168,690,311105,894,298000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,342,308
4,011,917
881,104
3,411,119
9,489,553
0
0
0
0009,489,5533,411,119881,1044,011,9171,342,308000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,342,308
4,011,917
881,104
3,411,119
9,489,553
0
0
0
0009,489,5533,411,119881,1044,011,9171,342,308000000000000000
       Accounts payable 
3,289,078
808,603
125,569
99,604
56,155
488,800
1,137,510
0
0
0
0
0
0
0
0
99,122,464
150,775,656
294,236,644
547,744,113
529,704,247
1,012,772,663
1,026,547,995
2,141,978,000
2,141,978,0001,026,547,9951,012,772,663529,704,247547,744,113294,236,644150,775,65699,122,464000000001,137,510488,80056,15599,604125,569808,6033,289,078
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,879,829
25,130,350
43,440,186
58,207,268
44,612,729
0
044,612,72958,207,26843,440,18625,130,35019,879,82900000000000000000
   > Long-term Liabilities 00000000000000000000000
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-1,342,308
-4,011,917
-881,104
-3,411,119
-5,721,399
4,363,406
4,381,601
7,675,499
7,675,4994,381,6014,363,406-5,721,399-3,411,119-881,104-4,011,917-1,342,308000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,010,528
2,576,613
3,577,022
0
0
0
0
0
000003,577,0222,576,6132,010,528000000000000000
> Total Stockholder Equity
1,320,829
1,408,496
1,624,475
1,462,337
1,519,538
1,626,776
1,608,468
1,654,505
1,845,745
2,052,539
2,469,500
3,551,615
4,870,078
6,947,229
10,246,424
14,484,821
20,352,698
39,300,204
60,125,152
113,941,959
179,860,000
302,566,000
608,877,539
608,877,539302,566,000179,860,000113,941,95960,125,15239,300,20420,352,69814,484,82110,246,4246,947,2294,870,0783,551,6152,469,5002,052,5391,845,7451,654,5051,608,4681,626,7761,519,5381,462,3371,624,4751,408,4961,320,829
   Common Stock
1,092,407
1,092,407
1,092,407
1,092,407
1,092,407
1,241,407
1,241,407
1,241,407
1,241,407
1,241,407
1,241,407
1,241,407
1,241,407
1,300,265
1,300,265
1,300,265
1,300,265
1,426,765
1,426,765
1,426,765
1,474,692
1,474,692
609,345,000
609,345,0001,474,6921,474,6921,426,7651,426,7651,426,7651,300,2651,300,2651,300,2651,300,2651,241,4071,241,4071,241,4071,241,4071,241,4071,241,4071,241,4071,241,4071,092,4071,092,4071,092,4071,092,4071,092,407
   Retained Earnings 
129,842
121,017
0
0
0
107,238
0
134,362
311,180
540,455
949,356
2,031,471
3,349,934
5,149,237
8,448,432
12,686,829
18,554,706
29,578,901
38,868,373
79,213,418
150,440,550
181,443,172
-174,777,575
-174,777,575181,443,172150,440,55079,213,41838,868,37329,578,90118,554,70612,686,8298,448,4325,149,2373,349,9342,031,471949,356540,455311,180134,3620107,238000121,017129,842
   Capital Surplus 00000000000000000000000
   Treasury Stock00000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
278,131
278,131
22,568,038
41,245,695
60,709,469
102,286,704
102,367,334
0
0102,367,334102,286,70460,709,46941,245,69522,568,038278,131278,131000000000000000



Balance Sheet

Currency in ARS. All numbers in thousands.




Cash Flow

Currency in ARS. All numbers in thousands.