GGAL FY 2025 Earnings Report — Grupo Financiero Galicia S.A. Revenue & Financial Results | Market Cap Arena

Grupo Financiero Galicia S.A.GGAL

FY 2025 Earnings

Reported December 30, 2025

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$9.8B	—	—	—	—
Op. Income	$242M	—	—	—	—
Gross Margin	41.3%	—	—	—	—
Net Margin	1.7%	—	—	—	—
EPS (Diluted)	$1.02	—	—	—	—
Free Cash Flow	$29M	—	—	—	—

Revenue Flow

Item	Amount
REVENUE	$9.8B
Cost of Revenue	$5.7B
GROSS PROFIT	$4.0B
R&D Expenses	$0
Selling & Marketing	$45M
General & Administrative	$1.5B
SG&A Expenses	$1.5B
Other Expenses	$2.3B
Operating Expenses	$3.8B
Cost & Expenses	$9.5B
OPERATING INCOME	$242M
Interest Income	$7.9B
Interest Expense	$3.3B
Other Income/Expenses	$0
INCOME BEFORE TAX	$238M
Income Tax Expense	$77M
Net Income from Continuing Ops	$161M
Net Income from Discontinued Ops	$0
Other Adjustments	$4M
NET INCOME	$165M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$165M
D&A	$149M
EBIT	$238M
EBITDA	$386M
EPS	$1
EPS Diluted	$1

Income Statement

Item	Amount
REVENUE	$9.8B
Cost of Revenue	$5.7B
GROSS PROFIT	$4.0B
R&D Expenses	$0
Selling & Marketing	$45M
General & Administrative	$1.5B
SG&A Expenses	$1.5B
Other Expenses	$2.3B
Operating Expenses	$3.8B
Cost & Expenses	$9.5B
OPERATING INCOME	$242M
Interest Income	$7.9B
Interest Expense	$3.3B
Other Income/Expenses	$0
INCOME BEFORE TAX	$238M
Income Tax Expense	$77M
Net Income from Continuing Ops	$161M
Net Income from Discontinued Ops	$0
Other Adjustments	$4M
NET INCOME	$165M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$165M
D&A	$149M
EBIT	$238M
EBITDA	$386M
EPS	$1
EPS Diluted	$1

Cash Flow Statement

Item	Amount
Net Income	$165M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$3.5B
Change in Working Capital	-$3.5B
OPERATING CASH FLOW	$235M
Capital Expenditure	-$206M
Acquisitions (Net)	-$289M
Purchases of Investments	-$810M
Sales/Maturities of Investments	$1.5B
Other Investing Activities	-$569M
NET CASH FROM INVESTING	-$422M
Net Debt Issuance	$776M
Common Stock Repurchased	$0
Common Dividends Paid	-$276M
Other Financing Activities	$24M
NET CASH FROM FINANCING	$630M
FREE CASH FLOW	$29M
Net Change in Cash	$568M

Balance Sheet

Item	Amount
Cash & Equivalents	$6.5B
Short-Term Investments	$0
Net Receivables	$5.7B
Inventory	$0
Other Current Assets	$252M
TOTAL CURRENT ASSETS	$12.5B
PP&E (Net)	$791M
Goodwill	$0
Intangible Assets	$275M
Long-Term Investments	$13.8B
Tax Assets	$0
Other Non-Current Assets	$5.6B
TOTAL NON-CURRENT ASSETS	$20.5B
TOTAL ASSETS	$33.0B
Account Payables	$0
Short-Term Debt	$2.2B
Deferred Revenue	$0
Other Current Liabilities	$18.4B
TOTAL CURRENT LIABILITIES	$21.4B
Long-Term Debt	$2.1B
Deferred Revenue NC	$4M
Deferred Tax Liabilities	$19M
Other Non-Current Liabilities	$3.9B
TOTAL NON-CURRENT LIABILITIES	$6.0B
TOTAL LIABILITIES	$27.4B
Common Stock	$1M
Additional Paid-In Capital	$2.3B
Retained Earnings	$122M
Treasury Stock	$0
Accum. Other Comp. Income	$3.2B
Other Equity	$2
TOTAL STOCKHOLDERS' EQUITY	$5.6B
Minority Interest	$207.9K
TOTAL EQUITY	$5.6B
TOTAL LIABILITIES & EQUITY	$33.0B
Total Debt	$2.6B
Net Debt	-$3.9B