GRUPO FIN. GALICIA S.A. B

The group reported a net profit of ARS 258 billion in Q2, up 12% year-on-year, with Banco Galicia contributing the most at ARS 158 billion. ROAA was 2.1% and ROAE 11.3%, the efficiency ratio improved to 38.8%; results benefited from lower refinancing costs and strong gains from financial instruments. Management cut the full-year loan growth forecast to 10–15% and expects most growth to come from dollar-denominated loans, while margins could face pressure if interest rates and inflation continue to normalize. The stock last traded at USD 43.86; fundamental metrics such as a P/E of 163 look high, though InvestingPro sees upside potential. » Mere på de.investing.com

Grupo Financiero Galicia reported net income of 66.5 billion ARS for Q1 2026, a 66% year-on-year decline, while operating income rose 153% quarter-on-quarter. The institution reduced loan loss provisions by 25% but recorded an increase in non-performing loans to 7.7%. The stock rose slightly premarket by 0.43%. Management emphasizes cost reductions, integration successes and stricter lending, but still sees risks due to Argentina’s macroeconomic situation. » Mere på de.investing.com

Grupo Financiero Galicia reported a net loss of 84 billion ARS for Q4 2025, hit by a deterioration in asset quality despite improved financial margins. Banco Galicia showed a loss of 104 billion ARS; the retail NPL ratio rose to 14.3%, annualized RoA was -0.7% and RoE -4.3%. The ADR traded about 3.97% lower premarket at 42.69 USD; management expects Q1 EPS of 0.08 USD and plans efficiency gains from the integration of HSBC Argentina. » Mere på de.investing.com

Grupo Financiero Galicia recorded a net loss of ARS 87.7 billion in Q3 2025, mainly due to exceptional restructuring costs related to the merger with HSBC Argentina (ARS 105.3 billion). Despite the loss, the share rose 3.88% to USD 48.95. Management is pursuing cost reductions including staff cuts and is focusing lending on oil, gas, mining and agriculture. For 2026/2027 the company targets return on equity of 11–12% and 15–20%, respectively, expects 25% real loan growth, 20% deposit growth and a peak in nonperforming loans in March 2026 with a year‑end target ratio of 4–4.5%. » Mere på de.investing.com

Polen Capital’s Q3 2025 investor letter named Grupo Financiero Galicia as one of the main detractors for its U.S. SMID Cap Growth Strategy, citing idiosyncratic issues in Argentina and newly imposed liquidity measures that could pressure near-term profitability. GGAL shares were down 6.11% over the past month and down 16.88% over the last 52 weeks, closing at $46.14 on November 21, 2025, with a market cap of $7.508 billion. The fund returned 14.8% gross (14.4% net) in the quarter versus a 10.7% Russell 2500 Growth Index gain. » Mere på finance.yahoo.com