Grupo Financiero Galicia ADR Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
99.8%projected annual EPS growth
Analyst Coverage
9analysts covering
Monitoring Framework
Key Performance Indicators
Return on Average Equity (ROAE) Quarterly0.0Target: 10% - 11% for FY 2026
Non-Performing Loan (NPL) Ratio Quarterly7.7%Target: Sequential improvement from Q100 2026 peak%
Banco Galicia Loan Growth (Real) AnnuallyTarget: 20% - 25% for FY 2026
Banco Galicia Deposit Growth (Real) AnnuallyTarget: 15% - 20% for FY 2026
Regulatory Capital Ratio Quarterly25.5%Target: Maintain strong capitalization to support credit expansion
Watch Items
- Integration of HSBC Argentina OperationsTrigger: Synergy realization and cost-to-income efficiency improvementsAction: Monitor quarterly efficiency ratio (39.9% in Q1 2026) and consolidation of asset management/insurance segments.
- Argentine Macroeconomic and Inflation VolatilityTrigger: Fluctuations in CPI, Central Bank reference rates, and FX controlsAction: Track IAS 29 hyperinflation adjustments and real credit demand recovery under President Milei's economic reforms.
- Asset Quality and Delinquency TrendsTrigger: NPL ratio exceeding 8.0%Action: Evaluate loan loss provisions (which declined 20%-25% sequentially in Q1 2026) and early delinquency indicators.
Research as of 19 Jun 2026