GGAL
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 0.01 | 0.00 | 0.00 | 0.01 |
| Price to Sales | 0.00 | 0.00 | 0.00 | 0.00 |
| Book Value Per Common Share | 3806.13 | 2970.22 | 1281.96 | 401.03 |
| Price to Book | 0.02 | 0.01 | 0.01 | 0.02 |
| Price to Operating Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|
| Price to Earnings | 0.05 | 0.05 | 0.02 | 0.03 |
| Price to Sales | 0.00 | 0.00 | 0.01 | 0.00 |
| Book Value Per Common Share | 4312.68 | 4202.43 | 3806.13 | 3001.72 |
| Price to Book | 0.01 | 0.01 | 0.02 | 0.01 |
| Price to Operating Cash Flow | -0.01 | -0.01 | ||
| Price to Free Cash Flow | -0.01 | -0.01 | ||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 158.23 | 106.21 | 74.64 | |
| Revenue YoY | 3.15 | 55.74 | 165.58 | |
| EBITDA YoY | ||||
| Net Profit YoY | 121.28 | 122.91 | 74.63 |
| Breakdown | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|
| Earning YoY | 5.63 | -71.78 | 140.91 | |
| Revenue YoY | 14.04 | -5.24 | 5.38 | |
| EBITDA YoY | ||||
| Net Profit YoY | 6.19 | -75.68 | 202.03 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 4.36 | 4.06 | 4.53 | 4.51 |
| Long-Term Debt to Equity |
| Breakdown | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 4.44 | 4.16 | 4.36 | 4.18 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 5.00 | 3.30 | 3.14 | 5.77 |
| ROE | 26.79 | 16.71 | 17.37 | 31.80 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 21.59 | 10.06 | 7.03 | 10.69 |
| Breakdown | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|
| ROA | 0.46 | 0.47 | 2.06 | 0.96 |
| ROE | 2.49 | 2.41 | 11.02 | 4.99 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 8.27 | 8.89 | 34.62 | 12.08 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.06 | 0.15 | 0.10 | 0.01 |
| Dividend Payout Ratio | 37.85 | 53.17 | 43.78 | 6.19 |
| Breakdown | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | |||
| Dividend Payout Ratio | 6.84 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 32,517,979,372.00 | 22,246,858,046.00 | 10,488,176,207.00 | 3,268,713,477.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 6,744,840,168.00 | 4,346,311,187.00 | 1,393,686,854.00 | 462,491,302.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 5,936,796,990.00 | 2,225,909,768.00 | 1,310,596,612.00 | 477,358,589.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 995,520,817.00 | 773,625,233.00 | 360,675,413.00 | 121,153,619.00 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 304,486,250.00 | 269,188,109.00 | 119,932,486.00 | 41,357,399.00 |
| Long-Term Investments | 6,377,134,015.00 | 5,643,800,030.00 | 3,652,408,184.00 | 655,332,343.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 26,454,235,292.00 | 17,854,034,339.00 | 8,592,294,336.00 | 2,675,628,185.00 |
| Payables and Expenses | 1,260,739,467.00 | 1,634,420,216.00 | 575,004,113.00 | 159,300,422.00 |
| Account Payables | 235,518,030.00 | 314,566,801.00 | 139,861,188.00 | 0 |
| Current Accrued Liabilities | 215,579,703.00 | 170,967,900.00 | 56,275,851.00 | 17,363,085.00 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 1,770,764,755.00 | 1,014,179,693.00 | 491,261,541.00 | 160,309,511.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 6,063,744,080.00 | 4,392,823,707.00 | 1,895,881,871.00 | 593,085,292.00 |
| Shareholders Equity | 6,063,585,599.00 | 4,392,630,487.00 | 1,895,881,812.00 | 593,085,282.00 |
| Capital Stock | 1,588,514.00 | 1,474,692.00 | 1,474,692.00 | 1,474,692.00 |
| Share Premium | 697,387,566.00 | 17,281,187.00 | 17,281,187.00 | 17,281,187.00 |
| Retained Earnings | 421,958,186.00 | -470,569,704.00 | -393,013,302.00 | -112,874,702.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 3,360,243,907.00 | 3,262,036,886.00 | 1,553,619,292.00 | 469,846,376.00 |
| Minority Interest | 158,481.00 | 193,220.00 | 59.00 | 10.00 |
| Debt | 1,770,764,755.00 | 1,014,179,693.00 | 491,261,541.00 | 160,309,511.00 |
| Common Shares Outstanding | 1,593,110.47 | 1,478,888.64 | 1,478,888.64 | 1,478,888.64 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 7,526,480,570.00 | 7,296,291,560.00 | 4,684,809,721.00 | 1,763,968,987.00 |
| Interest Income | 8,244,240,311.00 | 10,353,121,006.00 | 4,861,512,645.00 | 1,760,172,773.00 |
| Interest Expense | 3,100,093,449.00 | 6,598,263,304.00 | 3,835,001,672.00 | 1,100,511,275.00 |
| Non-Interest Expense | 2,598,729,183.00 | 2,214,672,513.00 | 1,838,868,623.00 | 771,689,531.00 |
| Selling, General and Administrative Expenses | 1,425,828,766.00 | 1,131,927,282.00 | 1,020,298,968.00 | 444,061,902.00 |
| Net Non-Operating Income | -2,384,891,465.00 | -3,306,755,066.00 | -1,853,855,679.00 | -482,259,367.00 |
| EBT | 2,211,223,176.00 | 1,182,478,507.00 | 444,453,275.00 | 288,143,700.00 |
| Income Tax | 586,613,614.00 | 448,245,698.00 | 115,069,558.00 | 99,524,754.00 |
| Net Income Including Non-Controlling Interests | 1,624,609,562.00 | 734,232,809.00 | 329,383,717.00 | 188,618,946.00 |
| Net Income Non-Controlling Interests | 135,243.00 | 5,478.00 | -61.00 | 0 |
| Net Income | 1,624,744,805.00 | 734,238,287.00 | 329,383,656.00 | 188,618,946.00 |
| Deprecation and Amortization | 188,067,489.00 | 183,528,111.00 | 189,044,003.00 | 87,941,850.00 |
| EPS | 11.87 | 4.60 | 2.23 | 1.28 |
| Diluted EPS | 11.87 | 4.60 | 2.23 | 1.28 |
| Average Shares Outstanding Basic | 148,632.04 | 147,888.86 | 147,790.51 | 147,790.51 |
| Average Shares Outstanding Diluted | 148,632.04 | 147,888.86 | 147,790.51 | 147,790.51 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 3,502,782,127.00 | 3,630,774,908.00 | 3,907,303,787.00 | 1,715,528,175.00 |
| Operating Net Income | 2,211,223,176.00 | 1,182,478,507.00 | 444,453,275.00 | 288,143,700.00 |
| Deprecation and Amortization | 188,067,489.00 | 183,528,111.00 | 189,044,003.00 | 87,941,850.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 |
| Change in Working Capital | -2,454,473,217.00 | -2,705,860,538.00 | 50,360,762.00 | 75,123,208.00 |
| Other Operating Activities | 3,557,964,679.00 | 4,970,628,828.00 | 3,223,445,747.00 | 1,264,319,417.00 |
| Investing Cash Flow | 865,179,039.00 | -178,257,946.00 | -126,808,927.00 | -51,061,723.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -207,969,282.00 | -150,699,070.00 | -121,537,144.00 | -56,371,691.00 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Business | 1,068,632,062.00 | -29,769,344.00 | -5,271,783.00 | -994,502.00 |
| Other Investing Activities | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 413,524,767.00 | -500,342,687.00 | 182,833,484.00 | 51,127,754.00 |
| Net Issuance/Repayment of Debt | 1,029,447,519.00 | -109,944,899.00 | 327,023,346.00 | 62,810,299.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 |
| Dividends Paid | -614,943,495.00 | -390,397,788.00 | -144,189,862.00 | -11,682,545.00 |
| Other Financing Activities | -979,257.00 | 0.00 | 0.00 | 0.00 |
| Net Change in Cash | 4,781,485,933.00 | 2,952,174,275.00 | 3,963,328,344.00 | 1,715,594,206.00 |
| Cash at Beginning of Period | 7,115,077,075.00 | 8,997,035,835.00 | 8,480,010,368.00 | 3,468,524,927.00 |
| Cash at End of Period | 7,406,415,563.00 | 7,115,077,075.00 | 8,997,035,835.00 | 3,894,135,337.00 |
| Free Cash Flow | 3,288,078,633.00 | 3,469,589,439.00 | 3,781,644,362.00 | 1,655,212,226.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 41,995,959,000.00 | 37,696,052,000.00 | 34,813,628,193.00 | 32,517,979,372.00 | 22,975,396,896.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 8,694,159,000.00 | 6,074,500,000.00 | 6,161,588,760.00 | 6,744,840,168.00 | 6,747,884,353.00 |
| Short-Term Investments | 0 | 0 | 2,846,015,659.00 | 0 | 0 |
| Net Receivables | 0 | 0 | 7,233,255,336.00 | 5,936,796,990.00 | 1,190,517,124.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,170,111,000.00 | 1,129,992,000.00 | 1,099,591,051.00 | 995,520,817.00 | 736,738,306.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 322,034,800.00 | 304,486,250.00 | 245,048,058.00 |
| Long-Term Investments | 8,793,226,000.00 | 10,592,098,000.00 | 6,587,394,380.00 | 6,377,134,015.00 | 4,530,314,979.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 34,903,389,000.00 | 30,768,573,000.00 | 28,063,242,820.00 | 26,454,235,292.00 | 18,536,119,437.00 |
| Payables and Expenses | 0 | 0 | 1,509,859,772.00 | 1,260,739,467.00 | 296,685,786.00 |
| Account Payables | 0 | 0 | 221,911,531.00 | 235,518,030.00 | 191,297,399.00 |
| Current Accrued Liabilities | 0 | 0 | 0 | 215,579,703.00 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 2,724,298,000.00 | 2,223,230,000.00 | 1,906,655,835.00 | 1,770,764,755.00 | 743,797,339.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 7,092,570,000.00 | 6,927,479,000.00 | 6,750,385,373.00 | 6,063,744,080.00 | 4,439,277,459.00 |
| Shareholders Equity | 7,092,570,000.00 | 6,927,260,013.00 | 6,750,166,386.00 | 6,063,585,599.00 | 4,439,207,227.00 |
| Capital Stock | 0 | 0 | 1,606,254.00 | 1,588,514.00 | 1,474,692.00 |
| Share Premium | 0 | 0 | 797,658,490.00 | 697,387,566.00 | 17,281,187.00 |
| Retained Earnings | 0 | 0 | 620,695,460.00 | 421,958,186.00 | -157,133,744.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 0 | 0 | 3,548,564,295.00 | 3,360,243,907.00 | 3,114,165,044.00 |
| Minority Interest | 0 | 0 | 218,987.00 | 158,481.00 | 70,232.00 |
| Debt | 2,724,298,000.00 | 2,223,230,000.00 | 1,906,655,835.00 | 1,770,764,755.00 | 743,797,339.00 |
| Common Shares Outstanding | 0 | 1,606,253.73 | 1,606,253.73 | 1,593,110.47 | 1,478,888.64 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | 1,972,491,000.00 | 2,086,391,000.00 | 1,829,548,632.00 | 1,930,706,259.00 | 1,832,206,000.00 |
| Interest Income | 1,245,416,000.00 | 1,215,236,000.00 | 1,767,412,833.00 | 1,948,065,167.00 | 1,004,408,000.00 |
| Interest Expense | 0 | 0 | 700,342,237.00 | 820,128,739.00 | 552,084,982.00 |
| Non-Interest Expense | 0 | 0 | 736,304,523.00 | 1,020,089,707.00 | 741,797,903.00 |
| Selling, General and Administrative Expenses | 658,027,000.00 | 491,732,000.00 | 385,245,219.00 | 650,832,588.00 | 429,540,000.00 |
| Net Non-Operating Income | -287,712,000.00 | 0 | -391,513,430.00 | -408,383,677.00 | -504,066,000.00 |
| EBT | -173,871,000.00 | 275,858,000.00 | 235,213,023.00 | 747,074,617.00 | 339,529,000.00 |
| Income Tax | -86,155,000.00 | 103,187,000.00 | 72,585,210.00 | 78,626,638.00 | 118,241,000.00 |
| Net Income Including Non-Controlling Interests | -87,716,000.00 | 172,671,000.00 | 162,627,813.00 | 668,447,979.00 | 221,288,000.00 |
| Net Income Non-Controlling Interests | 6,000.00 | -34,000.00 | -48,618.00 | 26,728.00 | 39,000.00 |
| Net Income | -87,710,000.00 | 172,637,000.00 | 162,579,195.00 | 668,474,707.00 | 221,327,000.00 |
| Deprecation and Amortization | 66,781,000.00 | 66,343,000.00 | 62,026,531.00 | 73,898,154.00 | 49,636,000.00 |
| EPS | -0.55 | 1.07 | 1.02 | 3.61 | 1.50 |
| Diluted EPS | -0.55 | 1.07 | 1.02 | 3.61 | 1.50 |
| Average Shares Outstanding Basic | 0 | 160,625.37 | 159,777.80 | 159,311.05 | 147,888.86 |
| Average Shares Outstanding Diluted | 0 | 160,625.37 | 159,777.80 | 159,311.05 | 147,888.86 |
| Breakdown | 2025-03-31 | 2024-12-31 | 2024-03-31 |
|---|---|---|---|
| Operating Cash Flow | -1,073,544,803.00 | -1,337,799,593.00 | 1,709,830,893.00 |
| Operating Net Income | 235,213,023.00 | 747,074,617.00 | 586,173,812.00 |
| Deprecation and Amortization | 62,026,531.00 | 73,898,154.00 | 45,722,955.00 |
| Deferred Income Tax | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 |
| Change in Working Capital | -1,318,510,519.00 | -6,403,200,592.00 | 1,133,244,642.00 |
| Other Operating Activities | -52,273,838.00 | 4,244,428,228.00 | -55,310,516.00 |
| Investing Cash Flow | -72,230,065.00 | 995,029,968.00 | -53,056,833.00 |
| Capital Expenditure | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -73,934,210.00 | -73,955,847.00 | -53,056,833.00 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 0 |
| Net Purchase/Sale of Business | 0 | 1,068,632,062.00 | 0 |
| Other Investing Activities | 0 | 353,753.00 | 0 |
| Financing Cash Flow | 163,965,098.00 | 859,852,259.00 | 52,062,361.00 |
| Net Issuance/Repayment of Debt | 59,936,333.00 | 906,529,863.00 | 52,062,361.00 |
| Net Issuance/Repurchase of Equity | 104,028,765.00 | 0 | 0 |
| Dividends Paid | 0 | -45,698,347.00 | 0 |
| Other Financing Activities | 0 | 0 | 0 |
| Net Change in Cash | -981,809,770.00 | 517,082,634.00 | 1,708,836,421.00 |
| Cash at Beginning of Period | 8,041,079,777.00 | 7,622,467,334.00 | 7,724,776,164.00 |
| Cash at End of Period | 6,753,314,347.00 | 7,406,415,563.00 | 6,605,392,896.00 |
| Free Cash Flow | -1,174,186,188.00 | -1,417,813,090.00 | 1,655,225,089.00 |