Grupo Financiero Galicia S.A. (GGAL)

Grupo Financiero Galicia Cash Flow 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 Income	303,852	2,886,960	1,555,540	444,453	288,144
Depreciation & Amortization	304,585	247,400	241,429	189,044	87,942
Provision for Credit Losses	-	-	-	-	133,151
Other Adjustments	5,189,920	6,386,550	6,914,490	3,429,550	1,220,150
Changes in Trading Assets	-529,765	482,590	-1,023,960	224,864	-70,237
Changes in Accrued Interest and Accounts Receivable	1,566,760	-1,763,800	35,067	-56,029	-47,688
Changes in Trading Liabilities	50,844	-154,878	161,007	1,612	4,253
Changes in Accounts Payable	-359,446	547,571	554,167	-228,449	301,002
Changes in Accrued Expenses	-370,203	1,207,080	183,514	34,576	-6,636
Changes in Other Operating Activities	-10,851,300	-13,217,000	-1,268,610	-132,322	-194,549
Operating Cash Flow	-1,605,420	4,607,870	4,776,240	3,907,300	1,715,530
Operating Cash Flow Growth	-	-3.52%	22.24%	127.76%	217.53%
Payments for Business Acquisitions	-2,738	1,405,770	-39,161	-5,272	-1,269
Proceeds from Business Divestments	-	-	-	-	274.08
Capital Expenditures	-245,915	-282,440	-212,037	-125,659	-60,316
Sale of Property, Plant & Equipment	22,095	8,859	13,795	4,122	3,944
Other Investing Activities	3,628	5,941	2,908	-	6,304
Investing Cash Flow	-222,929	1,138,130	-234,496	-126,809	-51,062
Long-Term Debt Issued	4,061,880	2,757,800	1,285,660	966,107	284,466
Long-Term Debt Repaid	-2,950,710	-1,386,460	-1,412,030	-620,942	-211,125
Net Long-Term Debt Issued (Repaid)	1,111,170	1,371,350	-126,375	345,165	73,342
Issuance of Common Stock	126,047	-	-	-	-
Net Common Stock Issued (Repurchased)	126,047	-	-	-	-
Common Dividends Paid	-329,134	-808,951	-513,563	-144,190	-11,683
Other Financing Activities	-34,285	-17,120	-18,256	-18,142	-10,531
Financing Cash Flow	873,798	543,987	-658,195	182,833	51,128
Effect of Exchange Rate Changes on Cash and Cash Equivalents	3,779,290	1,619,770	2,962,150	1,219,240	-
Net Cash Flow	2,824,740	7,909,750	6,845,690	5,182,570	1,984,910
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%
FCF Margin	-15.43%	35.13%	43.48%	83.51%	97.12%
Free Cash Flow Per Share	-11540800.00	29165000.00	30950200.00	25643600.00	11224100.00
Levered Free Cash Flow	-9,110,720	-9,446,680	-489,918	582,187	275,731
Unlevered Free Cash Flow	-10,434,400	-12,933,500	-1,329,420	-92,362	13,770

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

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