GGAL
Grupo Financiero Galicia S.A.50.02
+0.15+0.3%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Granular 2026 ROE, NPL guidance
Q&A unpacked granular 2026 outlook beyond prepared remarks: low-teens ROE (11-12%), NPL peak at 6-7% in March before falling to 4-4.5% year-end, cost of risk topping 9-10%, and 25% real loan growth outpacing market via oil/gas (Vaca Muerta), mining, agribusiness, M&A. Capital stays ample to 2027 at Tier 1 above 24%, prioritizing deposits over debt issuance. Naranja X mirrors bank NPL peak timing. Margins bottomed October. Management directly tackled asset quality concerns with better origination vintages. Watch NPL trajectory and deposit catch-up.
Key Stats
Market Cap
8.14BP/E (TTM)
7.70Basic EPS (TTM)
6.50Dividend Yield
0%IPO
Website
Employees
Sector
Industry
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