Grupo Financiero Galicia S.A (GF4) - Net Assets
Based on the latest financial reports, Grupo Financiero Galicia S.A (GF4) has net assets worth €7.76 Trillion EUR (≈ $9.07 Trillion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€45.67 Trillion ≈ $53.39 Trillion USD) and total liabilities (€37.91 Trillion ≈ $44.32 Trillion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Grupo Financiero Galicia S.A tangible book value ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €7.76 Trillion |
| % of Total Assets | 16.99% |
| Annual Growth Rate | 93.63% |
| 5-Year Change | 2466.99% |
| 10-Year Change | N/A |
| Growth Volatility | 68.46 |
Grupo Financiero Galicia S.A - Net Assets Trend (2017–2025)
This chart illustrates how Grupo Financiero Galicia S.A's net assets have evolved over time, based on quarterly financial data. See Grupo Financiero Galicia S.A (GF4) defensive interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Grupo Financiero Galicia S.A (2017–2025)
The table below shows the annual net assets of Grupo Financiero Galicia S.A from 2017 to 2025. For live valuation and market cap data, see GF4 market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €7.77 Trillion ≈ $9.08 Trillion |
+28.09% |
| 2024-12-31 | €6.06 Trillion ≈ $7.09 Trillion |
+200.60% |
| 2023-12-31 | €2.02 Trillion ≈ $2.36 Trillion |
+231.31% |
| 2022-12-31 | €608.88 Billion ≈ $711.84 Billion |
+101.24% |
| 2021-12-31 | €302.57 Billion ≈ $353.73 Billion |
+68.22% |
| 2020-12-31 | €179.86 Billion ≈ $210.28 Billion |
+53.94% |
| 2019-12-31 | €116.83 Billion ≈ $136.59 Billion |
+88.91% |
| 2018-12-31 | €61.85 Billion ≈ $72.31 Billion |
+57.37% |
| 2017-12-31 | €39.30 Billion ≈ $45.95 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Grupo Financiero Galicia S.A's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 474.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €170.00 Billion | 2.19% |
| Other Components | €7.60 Trillion | 97.81% |
| Total Equity | €7.77 Trillion | 100.00% |
Grupo Financiero Galicia S.A Competitors by Market Cap
The table below lists competitors of Grupo Financiero Galicia S.A ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Eagle Materials Inc
NYSE:EXP
|
$6.73 Billion |
|
Maxis Bhd
KLSE:6012
|
$6.73 Billion |
|
L&K Engineering Suzhou Co Ltd
SHG:603929
|
$6.73 Billion |
|
Arcellx Inc
NASDAQ:ACLX
|
$6.73 Billion |
|
GPT Group
AU:GPT
|
$6.72 Billion |
|
PT Pantai Indah Kapuk Dua Tbk
JK:PANI
|
$6.71 Billion |
|
Linde India Limited
NSE:LINDEINDIA
|
$6.71 Billion |
|
Astor Enerji AS
IS:ASTOR
|
$6.71 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Grupo Financiero Galicia S.A's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,063,585,599,000 to 7,766,542,600,000, a change of 1,702,957,001,000 (28.1%).
- Net income of 212,523,704,000 contributed positively to equity growth.
- Dividend payments of 329,134,222,000 reduced retained earnings.
- New share issuances of 126,047,404,000 increased equity.
- Other factors increased equity by 1,693,520,115,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €212.52 Billion | +2.74% |
| Dividends Paid | €329.13 Billion | -4.24% |
| Share Issuances | €126.05 Billion | +1.62% |
| Other Changes | €1.69 Trillion | +21.81% |
| Total Change | €- | 28.08% |
Book Value vs Market Value Analysis
This analysis compares Grupo Financiero Galicia S.A's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.01x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.70x to 0.01x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €27.54 | €46.80 | x |
| 2018-12-31 | €42.14 | €46.80 | x |
| 2019-12-31 | €79.86 | €46.80 | x |
| 2020-12-31 | €121.96 | €46.80 | x |
| 2021-12-31 | €205.17 | €46.80 | x |
| 2022-12-31 | €412.88 | €46.80 | x |
| 2023-12-31 | €1367.85 | €46.80 | x |
| 2024-12-31 | €3806.13 | €46.80 | x |
| 2025-12-31 | €4835.19 | €46.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Grupo Financiero Galicia S.A utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 2.74%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.49%
- • Asset Turnover: 0.19x
- • Equity Multiplier: 5.89x
- Recent ROE (2.74%) is below the historical average (17.13%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 21.19% | 18.46% | 0.13x | 8.68x | €4.40 Billion |
| 2018 | -5.76% | -4.11% | 0.15x | 9.48x | €-9.48 Billion |
| 2019 | 20.81% | 15.26% | 0.23x | 6.02x | €12.31 Billion |
| 2020 | 14.70% | 12.27% | 0.20x | 5.88x | €8.45 Billion |
| 2021 | 9.73% | 10.80% | 0.16x | 5.56x | €-826.60 Million |
| 2022 | 7.99% | 7.02% | 0.21x | 5.54x | €-12.25 Billion |
| 2023 | 47.88% | 10.09% | 0.94x | 5.06x | €764.17 Billion |
| 2024 | 34.89% | 21.42% | 0.30x | 5.36x | €1.51 Trillion |
| 2025 | 2.74% | 2.49% | 0.19x | 5.89x | €-564.13 Billion |
Industry Comparison
This section compares Grupo Financiero Galicia S.A's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,067,079,478,900
- Average return on equity (ROE) among peers: 8.59%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Grupo Financiero Galicia S.A (GF4) | €7.76 Trillion | 21.19% | 4.89x | $6.72 Billion |
| Grupo Supervielle S.A (189A) | $92.35 Billion | -5.45% | 6.55x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $28.81 Trillion | 8.83% | 14.52x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $33.44 Billion | 12.80% | 12.03x | $226.76 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $33.35 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $1.16 Trillion | 7.52% | 15.07x | $12.50 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $795.55 Billion | 9.57% | 14.82x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $39.20 Billion | 18.55% | 6.61x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $64.78 Billion | 1.77% | 14.73x | $116.65 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
About Grupo Financiero Galicia S.A
Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; and credit and debit cards. The company also provides personal loans, salary advance, express loans, Af… Read more