Grupo Financiero Galicia S.A. (GGAL)

Grupo Financiero Galicia Income Statement

Financials in millions ARS. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	5,595,350	6,774,510	4,949,220	1,034,260	662,878
Net Interest Income Growth	-17.41%	36.88%	378.53%	56.03%	193.88%
Non-Interest Income	3,457,330	4,402,480	5,000,920	3,849,880	1,174,490
Non-Interest Income Growth	-21.47%	-11.97%	29.90%	227.79%	184.47%
Revenues Before Loan Losses	9,052,680	11,177,000	9,950,140	4,884,140	1,837,370
Provision for Credit Losses	-2,947,230	-1,135,000	-546,240	355,596	133,151
Revenue	11,999,900	12,312,000	10,496,400	4,528,550	1,704,210
Revenue Growth (YoY)	-2.54%	17.30%	131.78%	165.73%	216.81%
Compensation Expenses	1,233,240	1,356,900	1,006,810	657,053	281,731
Selling, General & Admin	1,210,420	991,912	845,716	608,416	272,939
Other Non-Interest Expenses	3,631,570	5,042,220	6,211,580	3,088,720	982,508
Total Non-Interest Expense	6,075,240	7,391,030	8,064,100	4,354,190	1,537,180
Pretax Income	303,852	2,886,960	1,555,540	444,453	288,144
Provision for Income Taxes	-91,240	-771,683	-589,662	115,070	99,525
Net Income	212,524	2,115,460	965,881	329,384	188,619
Minority Interest in Earnings	88.34	-177.91	-7.21	0.06	-
Net Income to Common	212,524	2,115,460	965,881	329,384	188,619
Net Income Growth	-89.95%	119.02%	193.24%	74.63%	154.86%
Shares Outstanding (Basic)	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0
Shares Change (YoY)	8.16%	0.57%	-	-	-99.90%
EPS (Basic)	1324.80	14263.90	6549.70	2233.60	1279.00
EPS (Diluted)	1324.80	14263.90	6549.70	2233.60	1279.00
EPS Growth	-90.71%	117.78%	193.24%	74.64%	149.32%
Shares Outstanding	160.63	0	0	0	0
Free Cash Flow	-1,851,340	4,325,430	4,564,200	3,781,640	1,655,210
Free Cash Flow Growth	-	-5.23%	20.69%	128.47%	218.72%
Free Cash Flow Per Share	-11540800.00	29165000.00	30950200.00	25643600.00	11224100.00
Dividends Per Share	-	-	-	26.446	7.460
Dividend Growth	-	-	-	254.51%	631.37%
Profit Margin	1.77%	17.18%	9.20%	7.27%	11.07%
FCF Margin	-15.43%	35.13%	43.48%	83.51%	97.12%
EBITDA	304,585	247,400	241,429	189,044	87,942
EBITDA Margin	2.54%	2.01%	2.30%	4.17%	5.16%
Effective Tax Rate	-30.03%	-26.73%	-37.91%	25.89%	34.54%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q