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Financials · GGAL

Grupo Financiero Galicia S.A. (GGAL) financials

For fiscal 2025 (ended Dec 31, 2025), Grupo Financiero Galicia S.A. reported ARS 7.33T of revenue and ARS 212.52B of net income. Figures are in ARS, the currency of its SEC filings.

Revenue, FY2025
ARS 7.33T
Revenue growth, YoY
-21.7%
Net income, FY2025
ARS 212.52B
Net income growth, YoY
-90.0%
Net margin
2.9%
Free cash flow, FY2025
-ARS 1.85T
EPS, diluted, FY2025
ARS 132.48
EPS growth, YoY
-90.7%
Cash
ARS 10.27T
Total debt
ARS 881.75B
Annual revenueARS 7.33T
FY2017FY2025
Annual net incomeARS 212.52B
FY2017FY2025
Annual free cash flow-ARS 1.85T
FY2017FY2025

GGAL revenue and earnings growth

GGAL revenueFY2025ARS 7.33T

FY YoY
-21.7%
5Y CAGR
+68.6%

GGAL revenue was ARS 7.33T for fiscal 2025 (ended Dec 31, 2025), down 21.7% from fiscal 2024. Compound annual growth was +68.6% over 5 years. It rose in 6 of the last 8 fiscal years.

GGAL net incomeFY2025ARS 212.52B

FY YoY
-90.0%
5Y CAGR
+23.5%

GGAL net income was ARS 212.52B for fiscal 2025 (ended Dec 31, 2025), down 90.0% from fiscal 2024. Compound annual growth was +23.5% over 5 years. It rose in 5 of the last 6 fiscal years.

GGAL EPSFY2025ARS 132.48

FY YoY
-90.7%
5Y CAGR
+20.9%

GGAL diluted EPS was ARS 132.48 for fiscal 2025 (ended Dec 31, 2025), down 90.7% from fiscal 2024. Compound annual growth was +20.9% over 5 years.

GGAL free cash flowFY2025-ARS 1.85T

GGAL free cash flow was -ARS 1.85T for fiscal 2025 (ended Dec 31, 2025), compared with ARS 4.33T in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
RevenueARS 7.33TARS 9.35TARS 9.61TARS 4.62TARS 1.75TARS 538.29BARS 302.77BARS 153.08BARS 106.11B
Selling, general and adminARS 1.21TARS 991.91BARS 845.72BARS 608.42BARS 272.94BARS 91.35BARS 50.14BARS 33.67BARS 22.19B
Operating incomeARS 299.09BARS 1.96TARS 1.55TARS 447.45BARS 288.93BARS 136.49BARS 82.51BARS 7.07BARS 22.46B
Interest expenseARS 3.88TARS 4.07TARS 8.67TARS 3.83TARS 1.10TARS 266.58BARS 196.61BARS 94.05BARS 38.18B
Pre-tax incomeARS 303.85BARS 2.89TARS 1.56TARS 444.45BARS 288.14BARS 136.13BARS 82.51BARS 7.07BARS 22.95B
Income taxARS 91.24BARS 771.68BARS 589.66BARS 115.07BARS 99.52BARS 61.11BARS 33.57BARS 14.48BARS 11.26B
Net incomeARS 212.52BARS 2.12TARS 965.88BARS 329.38BARS 188.62BARS 74.01BARS 48.72B-ARS 7.26BARS 10.45B
EPS, basicARS 132.48ARS 1426.39ARS 654.97ARS 223.36ARS 127.90ARS 51.30ARS 34.15-ARS 5.09ARS 7.84
EPS, dilutedARS 132.48ARS 1426.39ARS 654.97ARS 223.36ARS 127.90ARS 51.30ARS 34.15-ARS 5.09ARS 7.84
Diluted shares1.60B1.48B1.47B1.47B1.47B1.44B1.43B1.43B1.33B

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Cash and equivalentsARS 10.27TARS 9.74TARS 9.36TARS 11.84TARS 8.48TARS 3.47TARS 929.14BARS 714.00BARS 276.36B
Total assetsARS 45.67TARS 42.76TARS 22.25TARS 10.49TARS 3.27TARS 1.59TARS 933.27BARS 876.37BARS 489.64B
Total debtARS 881.75BARS 581.16BARS 300.79BARS 116.68BARS 46.19BARS 20.88BARS 30.94BARS 29.91BARS 11.62B
Total liabilitiesARS 37.91TARS 34.81TARS 17.85TARS 8.59TARS 2.68TARS 1.32TARS 774.21BARS 781.23BARS 422.16B
Shareholders' equityARS 7.76TARS 7.95TARS 5.78TARS 5.43TARS 4.02TARS 1.67TARS 467.67BARS 195.51BARS 141.32B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Operating cash flow-ARS 1.61TARS 4.61TARS 4.78TARS 3.91TARS 1.72TARS 540.28B-ARS 39.46BARS 188.24B-ARS 13.81B
Capital expendituresARS 245.91BARS 282.44BARS 212.04BARS 125.66BARS 60.32BARS 20.95BARS 16.35BARS 7.72BARS 5.01B
Free cash flow-ARS 1.85TARS 4.33TARS 4.56TARS 3.78TARS 1.66TARS 519.33B-ARS 55.81BARS 180.52B-ARS 18.82B
Investing cash flow-ARS 222.93BARS 1.14T-ARS 234.50B-ARS 126.81B-ARS 51.06B-ARS 19.94B-ARS 10.84B-ARS 7.51B-ARS 5.95B
Financing cash flowARS 873.80BARS 543.99B-ARS 658.19BARS 182.83BARS 51.13B-ARS 103.22B-ARS 37.88BARS 16.41BARS 20.60B
Dividends paidARS 329.13BARS 808.95BARS 513.56BARS 144.19BARS 11.68BARS 5.99BARS 5.47BARS 3.59BARS 859.18M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue growth, YoY-21.7%-2.7%108.1%164.0%225.0%77.8%97.8%44.3%-
Net income growth, YoY-90.0%119.0%193.2%74.6%154.9%51.9%---
EPS growth, YoY-90.7%117.8%193.2%74.6%149.3%50.2%---
Operating margin4.1%21.0%16.1%9.7%16.5%25.4%27.3%4.6%21.2%
Net margin2.9%22.6%10.0%7.1%10.8%13.7%16.1%-4.7%9.8%
Free cash flow margin-25.3%46.2%47.5%81.9%94.6%96.5%-18.4%117.9%-17.7%
Return on equity2.7%26.6%16.7%6.1%4.7%4.4%10.4%-3.7%7.4%
Return on assets0.5%4.9%4.3%3.1%5.8%4.6%5.2%-0.8%2.1%
Debt to equity0.110.070.050.020.010.010.070.150.08

Source: XBRL data Grupo Financiero Galicia S.A. files with the SEC, latest filing dated Apr 16, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

GGAL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
GGALARS 7.33T-21.7%ARS 212.52B2.9%$4.73B
RYC$66.61B+16.1%C$20.36B30.6%$278.49B
MUFG¥11.87T+9.5%¥1.73T14.6%$248.87B
TDC$67.78B+18.4%C$20.54B30.3%$199.90B
SAN€55.32B-1.5%€14.10B25.5%$169.86B
SMFG¥4.35T+13.6%¥1.14T26.1%$148.76B
BBVA--€10.51B-$142.00B
HDB₹2.50T+5.2%₹704.79B28.2%$128.97B

GGAL FAQ

8 questions
  • What is GGAL revenue?
    Grupo Financiero Galicia S.A. (GGAL) reported ARS 7.33T of revenue for fiscal 2025 (ended Dec 31, 2025). That is down 21.7% from the year before.
  • Is GGAL profitable?
    Yes. Grupo Financiero Galicia S.A. earned ARS 212.52B in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 2.9%.
  • How much cash and debt does GGAL have?
    Grupo Financiero Galicia S.A. reported ARS 10.27T in cash and cash equivalents and ARS 881.75B of debt on its most recent balance sheet in SEC filings.
  • How fast is GGAL revenue growing?
    Grupo Financiero Galicia S.A.'s revenue changed -21.7% in fiscal 2025, to ARS 7.33T. Its compound annual growth rate was +68.6% over 5 years.
  • What is GGAL free cash flow?
    Grupo Financiero Galicia S.A. generated -ARS 1.85T of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of -ARS 1.61T less capital expenditures.
  • What is GGAL earnings per share?
    Diluted earnings per share were ARS 132.48 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did GGAL last report financial results?
    The latest statements here come from Grupo Financiero Galicia S.A.'s 20-F filed on Apr 16, 2026, covering the period ended Dec 31, 2025.
  • Where does this GGAL financial data come from?
    Quantisnow builds these statements from the structured XBRL data Grupo Financiero Galicia S.A. files with the SEC. It is provided for information only and is not investment advice.