GGAL Q2 2025 Earnings Report — Grupo Financiero Galicia S.A. Revenue & Financial Results | Market Cap Arena

Grupo Financiero Galicia S.A.GGAL

Q2 2025 Earnings

Reported June 30, 2025

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	Q2 2025	Q1 2025	Q2 2024	QoQ Change	YoY Change
Revenue	$1.5B	—	$1.8B	—	-16.5%
Op. Income	$199M	—	$636M	—	-68.8%
Gross Margin	73.0%	—	91.9%	—	-18.9pp
Net Margin	8.3%	—	22.9%	—	-14.7pp
EPS (Diluted)	$0.77	—	$2.80	—	-72.3%
Free Cash Flow	-$987M	—	$904M	—	-209.2%

Revenue Flow

Item	Amount
REVENUE	$1.5B
Cost of Revenue	$406M
GROSS PROFIT	$1.1B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$354M
SG&A Expenses	$354M
Other Expenses	$544M
Operating Expenses	$898M
Cost & Expenses	$1.3B
OPERATING INCOME	$199M
Interest Income	$876M
Interest Expense	$0
Other Income/Expenses	$0
INCOME BEFORE TAX	$199M
Income Tax Expense	$74M
Net Income from Continuing Ops	$124M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$124M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$124M
D&A	$48M
EBIT	$199M
EBITDA	$247M
EPS	$1
EPS Diluted	$1

Income Statement

Item	Amount
REVENUE	$1.5B
Cost of Revenue	$406M
GROSS PROFIT	$1.1B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$354M
SG&A Expenses	$354M
Other Expenses	$544M
Operating Expenses	$898M
Cost & Expenses	$1.3B
OPERATING INCOME	$199M
Interest Income	$876M
Interest Expense	$0
Other Income/Expenses	$0
INCOME BEFORE TAX	$199M
Income Tax Expense	$74M
Net Income from Continuing Ops	$124M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$124M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$124M
D&A	$48M
EBIT	$199M
EBITDA	$247M
EPS	$1
EPS Diluted	$1

Cash Flow Statement

Item	Amount
Net Income	$124M
Depreciation & Amortization	$50M
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$646M
Change in Working Capital	-$1.8B
OPERATING CASH FLOW	-$1.0B
Capital Expenditure	$15M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$54M
NET CASH FROM INVESTING	-$39M
Net Debt Issuance	$176M
Common Stock Repurchased	$0
Common Dividends Paid	-$64M
Other Financing Activities	$1.6B
NET CASH FROM FINANCING	$1.7B
FREE CASH FLOW	-$987M
Net Change in Cash	$1.0B

Balance Sheet

Item	Amount
Cash & Equivalents	$4.4B
Short-Term Investments	$0
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$4.4B
PP&E (Net)	$814M
Goodwill	$0
Intangible Assets	$246M
Long-Term Investments	$21.1B
Tax Assets	$0
Other Non-Current Assets	$609M
TOTAL NON-CURRENT ASSETS	$22.8B
TOTAL ASSETS	$27.2B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$15.5B
TOTAL CURRENT LIABILITIES	$15.5B
Long-Term Debt	$1.6B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$5.0B
TOTAL NON-CURRENT LIABILITIES	$6.6B
TOTAL LIABILITIES	$22.2B
Common Stock	$1M
Additional Paid-In Capital	$575M
Retained Earnings	$3.0B
Treasury Stock	$0
Accum. Other Comp. Income	$1.4B
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$5.0B
Minority Interest	$0
TOTAL EQUITY	$5.0B
TOTAL LIABILITIES & EQUITY	$27.2B
Total Debt	$1.6B
Net Debt	-$2.8B