Stock fact sheet · data as of
Grupo Financiero Galicia S.A. (GGAL): fair value, margin of safety and Wheel Score
Ticker symbol GGAL · Financial Services · Banks - Regional · Argentina · ADR · Growth Income
GGAL is an American depositary share (ADR): the US listing of Grupo Financiero Galicia S.A., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is GGAL undervalued?
Grupo Financiero Galicia S.A. (GGAL) closed at 30.95 on 5 Nov 2026, 55% above the GLS average fair value of 19.98. 6 of the 7 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
There is a wide gap between EPV (7.21) and Graham Growth (37.11). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, GGAL is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 35, growth score 60, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for GGAL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 25.02 | -19% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 20.78 | -33% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 37.11 | +20% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 16.22 | -48% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.73 | -75% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 25.80 | -17% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 7.21 | -77% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -78.32 | -353% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 45.00 | +45% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Grupo Financiero Galicia S.A. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 7.5/10 puts GGAL among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are thin or negative - ROIC 1.9%, ROE 2.7%, ROA 0.5% - with debt at 0.46 times equity and negative free cash flow.
The dividend yield is high at 5.67% (payout ratio 326%) - a payout above 100% of earnings, which is not covered by profits. A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 2/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 1.9% |
|---|---|---|---|
| GLS Moat | 7.5 / 10 | ROE | 2.7% |
| Debt / equity | 0.46 | ROA | 0.5% |
| Free-cash-flow yield | -2.7% | Payout ratio | 326% |
| Institutions | 2 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 37: Weak
With a Wheel Score of 37 Grupo Financiero Galicia S.A. sits in the Weak band. It fails filter 3, below fair value - trades 55% above our fair value; and filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 6, no serious red flags - Red Flags score 55 (under 60); Value (weak) is its weakest part.
Implied volatility is 60% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 25,453 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 1.4M shares a day on a market cap of $5.2B, with a beta of 0.37 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that good.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 55% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 55 (under 60) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 55% above fair value | |
| Premium | Strong | implied volatility 60% | |
| Moat | Good | moat 7.5/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Weak | Red Flags score 55/100 | |
| Option trading | Good | 2,878 contracts a day, 25,453 open interest | |
| Stability | Good | beta 0.37, $5.2B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 24 Nov 2026 (before the open), 19 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Grupo Financiero Galicia S.A. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| VLYPO Valley National Bancorp | 24.22 | 30.19 | +20% | 30No options | $5.3B |
| ASB Associated Banc-Corp | 31.35 | 48.31 | +35% | 40Weak | $5.2B |
| EBC Eastern Bankshares, Inc. | 23.31 | 21.99 | -6% | 35Weak | $5.3B |
| IFS Intercorp Financial Services Inc. | 48.27 | 109.16 | +56% | 38No options | $5.3B |
| FINN First National of Nebraska, Inc. | 19,075.00 | 69,094.50 | +72% | 35No options | $5.2B |
| AX Axos Financial, Inc. | 94.57 | 242.39 | +61% | 83Good | $5.4B |
| VLYPP Valley National Bancorp | 24.96 | 30.83 | +19% | 30No options | $5.4B |
| AVAL Grupo Aval Acciones y Valores S.A. | 4.31 | 10.66 | +60% | 35No options | $5.1B |
| OZKAP Bank OZK | 14.53 | 63.66 | +77% | 39No options | $5.4B |
| AUB Atlantic Union Bankshares Corporation | 40.17 | 243.94 | +84% | 52Fair | $5.6B |
| ABCB Ameris Bancorp | 84.14 | 76.43 | -10% | 38Weak | $5.6B |
| OZK Bank OZK | 51.79 | 101.90 | +49% | 78Good | $5.7B |
⚖ Compare GGAL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about GGAL
Is GGAL undervalued right now?
No: at 30.95 the stock trades 55% above the GLS average fair value of 19.98 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of GGAL and what does it mean?
GGAL scores 37 out of 100 (Weak) - it fails Wheel Trade Filters 3, 4, 6. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for GGAL?
19.98 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Grupo Financiero Galicia S.A. report earnings next?
The next earnings report is due on 24 Nov 2026 (before the open), 19 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does GGAL have listed options, and how liquid are they?
Yes. The nightly snapshot found 118 listed contracts with 25,453 open interest across all expiries and implied volatility of 60% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.
Is GGAL an ADR?
Yes. GGAL is an American depositary share (ADR): the US listing of Grupo Financiero Galicia S.A., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.