OakChart

Grupo Financiero Galicia ADR

GGALFinancial·Banks - Regional·Argentina·Mid·NASD·Nov 13 • 6:52 AM ET

28.94-0.10 (-0.35%)
2026-11-13 13:06 CET
Market cap
$3.83B
Revenue, TTM
- USD m
Net income, TTM
120.25 USD m
Free cash flow, TTM
-215.81 USD m
EPS diluted, TTM
0.75
38.65
Compare

Price

GGAL against its 20, 50 and 200-day averages
Terms2050200BeatMiss
Patternshover a marker to name it
RS 0Sales 1,928Price1,8291,92830.0040.0050.002.1M4.3MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26GGALclose 28.9420-day 32.6650-day 36.78200-day 44.1928.9452w high 57.9552-week range, not 6 months

50.1% under the 52-week high of 57.95 on 17 Jun 2026. 52-week low 28.52 on 12 Nov 2026. Last 15 sessions, 27.4% high to low

Volume 0.00× normal · the line is the 50-bar volume average

Setup. RS line 0
CANSLIM 2 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); 52-Week High/Low: 0-10% below High; Performance: Year +50%; Institutional Ownership: Over 50%
VCP 3 of 6 — fails: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; 52-Week High/Low: 0-10% below High
Minervini 0 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 0 of 5 — fails: RSI (14): Not Oversold (>50); Performance: Week +10%; 20-Day High/Low: 0-5% below High; Relative Volume: Over 1.5; 200-Day Simple Moving Average: Price above SMA200
Leaders 1 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%; 52-Week High/Low: 0-10% below High
Breakout 0 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2; 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200
Growth 2 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); Return on Equity: Over +15%
Quality 1 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1); P/E: Under 25
Value 1 of 4 — fails: P/E: Under 15; Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 1 of 4 — fails: Dividend Growth: Growing 2+ Years; Payout Ratio: Low (<20%); P/E: Under 25
Small Cap 1 of 4 — fails: Float: Under 100M; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%
Accumulation 0 of 4 — fails: Institutional Ownership: Over 30%; Institutional Transactions: Over +10%; 200-Day Simple Moving Average: Price above SMA200; Performance: Year Up
Relative Strength 1 of 3 — fails: Performance: Year +100%; 200-Day Simple Moving Average: Price above SMA200

Profile

GGAL
52-week range, 1% of the way up
28.5257.95

Grupo Financiero Galicia SA is a holding company, which engages in banking, insurance, and the issuance of certificates of deposit through its subsidiaries. It operates through the following segments: Banks, Ecosistema Naranja X, Insurance, Other Businesses, and Adjustments. The Banks segment includes the banking business operation results. The Ecosistema Naranja X segment represents the brand credit cards, consumer finance, and digital banking services business. The Insurance segment consists of insurance firms business and Sudamericana Holding SA. The Other Businesses segment refers to equity investments. The Adjustments segment relates to consolidation adjustments and eliminations of transactions among subsidiaries. The company was founded on September 14, 1999 and is headquartered in Buenos Aires, Argentina.

Employees10079
IPOJul 24, 2000
Beta1.33
ATR, 14d1.50
Rel volume0.00
Short float5.55%
Insider own0.04%
Inst own23.57%

Snapshot

6 groups

Valuation

Index-
Market Cap$3.83B
Enterprise Value-
Income120.25M
Sales10.19B
Book / share38.65
Cash / share-
Dividend Est.0.94 (3.25%)
Dividend TTM1.03 (3.56%)
Dividend Ex-DateSep 28, 2026
Dividend Gr. 3/5Y5.75% 127.92%
Payout125.27%
Employees10079
IPOJul 24, 2000

Ratios

Price / earnings38.65
Forward price / earnings3.86
Price / earnings / growth0.04
Price / sales0.38
Price / book0.75
Price / cash-
Price / free cash flow-
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio2.29
Debt / equity0.46
Long-term debt / equity0.07
Options and shortYes / Yes

Earnings

Earnings / share0.75
Earnings next year7.50
Earnings next quarter1.30
Earnings this year363.45%
Earnings next year42.83%
Earnings growth, 5 years107.60%
Past earnings growth-28.31% -17.81%
Past sales growth3.51% 20.09%
Earnings vs last year-89.45%
Sales vs last year3.21%
Earnings vs last quarter22.01%
Sales vs last quarter3.23%
EarningsNov 03
Surprise-13.42% 0.00%

Ownership

Insiders own0.04%
Insider trades-
Institutions own23.57%
Institution trades-4.66%
Return on assets0.37%
Return on equity2.00%
Return on capital1.81%
Gross Margin-
Operating margin13.53%
Profit Margin1.18%
20-day average-11.40%
50-day average-21.32%
200-day average-34.51%

Technical

Shares out132.50M
Shares floating132.44M
Short / float5.55%
Short ratio7.72
Short interest7.35M
52-week high57.95 -50.1%
52-week low28.52 +1.5%
Volatility4.74% 4.81%
Average range1.50
Strength index25.99
Market sensitivity1.33
Relative volume0.00
Avg Volume951.08K
Volume15

Performance

Perf Week-1.71%
Perf Month-20.66%
Perf Quarter-33.20%
Perf Half Y-28.82%
Perf YTD-45.61%
Perf Year-45.26%
Perf 3Y171.21%
Perf 5Y207.80%
Perf 10Y26.10%
Recommendation1.75
Target Price62.43
Prev Close29.04
Price28.94
Change %-0.36%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 03, 2026DowngradeItau BBAOutperform → Market Perform
Oct 28, 2025UpgradeJP MorganNeutral → Overweight
Oct 22, 2025DowngradeJP MorganOverweight → Neutral$46+59.0%
Oct 01, 2025ResumedHSBC SecuritiesBuy$60+107.3%
May 20, 2025InitiatedItau BBAOutperform$70+141.9%
Dec 16, 2024UpgradeMorgan StanleyUnderweight → Overweight$92+217.9%
Aug 30, 2024UpgradeJP MorganUnderweight → Overweight$54+86.6%
Aug 08, 2024UpgradeBofA SecuritiesUnderperform → Buy$28 → $36+24.4%
Jan 31, 2022DowngradeJP MorganNeutral → Underweight$9 → $8-72.4%
Jul 21, 2020DowngradeHSBC SecuritiesHold → Reduce

Peers

Mkt cap
TickerCompanyMkt cap
BBARBBVA Argentina ADR2.11B
BMABanco Macro SA ADR3.47B
SUPVGrupo Supervielle SA ADR445.54M
BSACBanco Santander Chile SA ADR15.06B
CIBGrupo Cibest SA ADR9.67B
BAPCredicorp Ltd29.02B
ITUBItau Unibanco Holding SA ADR39.94B
BBDBanco Bradesco SA ADR14.08B
BCHBanco de Chile ADR19.52B
BBVABanco Bilbao Vizcaya Argentaria SA ADR141.91B

Insider trading

11 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Braun TomasDirectorSep 14 '26Sale4.5914,47266,426277,151Oct 05 04:01 PM
Braun TomasDirectorApr 09 '26Sale5.169,82050,671295,923Oct 05 04:01 PM
Braun TomasDirectorMar 20 '26Sale4.6110,97050,572305,743Oct 05 04:01 PM
Braun TomasDirectorSep 02 '26Sale4.684,30020,124291,623Oct 05 04:01 PM
Moret Silvestre VilaDirectorJul 08 '26Buy5.36224,0001,200,6403,000,000Jul 13 07:46 PM
Moret Silvestre VilaDirectorJul 07 '26Buy5.46175,824959,9992,776,000Jul 13 07:46 PM
Moret Silvestre VilaDirectorJun 30 '26Buy5.27167,791884,2592,500,000Jul 09 08:27 PM
Moret Silvestre VilaDirectorJun 26 '26Buy5.15125,000643,7502,322,209Jul 09 08:27 PM
Moret Silvestre VilaDirectorJul 01 '26Buy5.11100,000511,0002,600,000Jul 09 08:27 PM
Moret Silvestre VilaDirectorJun 29 '26Buy5.2510,00052,5002,332,209Jul 09 08:27 PM
Moret Silvestre VilaDirectorJul 07 '26Buy5.461769612,600,176Jul 09 08:27 PM

Held by

AUM
TickerCompanyAUM
ARGTGlobal X MSCI Argentina ETFAUM: 550.14M
XSOEWisdomTree Emerging Markets ex-State-Owned Enterprises FundAUM: 1.92B
EMKTLazard Emerging Markets Opportunities ETFAUM: 171.39M
ONEQFidelity Nasdaq Composite Index ETFAUM: 10.51B
EMSFMatthews Emerging Markets Sustainable Future Active ETFAUM: 40.02M
APIEActivePassive International Equity ETFAUM: 1.14B
XCWisdomTree True Emerging Markets FundAUM: 75.06M

News

latest 14 of 200

Quarterly earnings

2026Q2 EPS 1.141 beat 0.978, from 0.853 a year earlier. Sales 1,698 missed 1,721, from 1,492 a year earlier
EPS
3.4050-0.2872024Q3 EPS 1.146 against 1.90024Q32024Q4 EPS 3.405 against 1.25624Q42025Q1 EPS 0.781 against 0.86825Q12025Q2 EPS 0.853 against 1.08625Q22025Q3 EPS 0.350 against 0.47625Q32025Q4 EPS -0.287 against 0.33625Q42026Q1 EPS 0.285 against 0.47426Q12026Q2 EPS 1.141 against 0.97826Q2
Sales, USD millions
1,75202024Q3 sales 1,238 against 1,11824Q32024Q4 sales 817.84 against 1,12524Q42025Q1 sales 1,255 against 1,48425Q12025Q2 sales 1,492 against 1,13625Q22025Q3 sales 1,315 against 1,28025Q32025Q4 sales 1,660 against 1,58125Q42026Q1 sales 1,651 against 1,75226Q12026Q2 sales 1,698 against 1,72126Q2

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q2ended 2026-06-302026-08-20 12:001.1410.9781.1421,6981,721EPS +16.6% · sales -1.3%vs 2025Q2, year-ago quarter · EPS +33.7% · sales +13.8%5 EPS · 4 salesOpen +2.70% vs SPY -0.40%. Close -1.13% vs SPY -0.84%
2026Q1ended 2026-03-312026-05-27 12:000.2850.4740.2921,6511,752EPS -40.0% · sales -5.8%vs 2025Q1, year-ago quarter · EPS -63.6% · sales +31.5%5 EPS · 4 salesOpen +0.30% vs SPY +0.04%. Close +4.94% vs SPY -0.02%
2025Q4ended 2025-12-312026-03-10 12:00-0.2870.336-0.2741,6601,581EPS -185.2% · sales +5.0%vs 2024Q4, year-ago quarter · EPS -108.4% · sales +102.9%5 EPS · 4 salesOpen +0.16% vs SPY -0.08%. Close +4.05% vs SPY -0.16%
2025Q3ended 2025-09-302025-11-25 12:000.3500.476-0.4111,3151,280EPS -26.4% · sales +2.8%vs 2024Q3, year-ago quarter · EPS -69.5% · sales +6.2%5 EPS · 3 salesOpen -0.16% vs SPY -0.01%. Close +4.47% vs SPY +0.94%
2025Q2ended 2025-06-302025-08-21 12:000.8531.0860.9361,4921,136EPS -21.5% · sales +31.3%vs 2024Q2, year-ago quarter · EPS -70.9% · sales -16.2%3 EPS · 2 salesOpen -0.48% vs SPY -0.29%. Close -0.35% vs SPY -0.40%
2025Q1ended 2025-03-312025-05-27 16:300.7810.8680.8611,2551,484EPS -9.9% · sales -15.4%vs 2024Q1, year-ago quarter · EPS -51.7% · sales -47.1%3 EPS · 1 salesOpen -1.73% vs SPY +0.07%. Close -1.25% vs SPY -0.58%
2024Q4ended 2024-12-312025-02-28 08:303.4051.2564.093817.841,125EPS +171.1% · sales -27.3%vs 2023Q4, year-ago quarter · EPS +449.4% · sales -18.4%3 EPS · 1 salesOpen -1.26% vs SPY +0.09%. Close +3.10% vs SPY +1.56%
2024Q3ended 2024-09-302024-11-05 08:301.1461.9001.2091,2381,118EPS -39.7% · sales +10.7%vs 2023Q3, year-ago quarter · EPS +9.2% · sales -22.5%4 EPS · 1 salesOpen +0.37% vs SPY +0.16%. Close +0.08% vs SPY +1.21%
2024Q2ended 2024-06-302024-08-23 08:302.9342.0713.1231,7801,936EPS +41.7% · sales -8.1%vs 2023Q2, year-ago quarter · EPS +96.3% · sales +26.7%3 EPS · 1 salesOpen +0.95% vs SPY +0.60%. Close +4.73% vs SPY +1.06%
2024Q1ended 2024-03-312024-05-23 08:301.6171.1852.0702,374-EPS +36.5% · sales -vs 2023Q1, year-ago quarter · EPS +163.5% · sales +115.7%2Open -1.73% vs SPY +0.59%. Close -7.71% vs SPY -0.73%
2023Q4ended 2023-12-312024-03-04 08:300.6200.5172.6861,002-EPS +20.0% · sales -vs 2022Q4, year-ago quarter · EPS +16.5% · sales -6.0%3Open +3.81% vs SPY -0.16%. Close -2.60% vs SPY -0.11%
2023Q3ended 2023-09-302023-11-28 12:001.0501.0321.1751,5981,598EPS +1.8% · sales 0.0%vs 2022Q3, year-ago quarter · EPS +159.8% · sales +307.5%1Open +1.25% vs SPY -0.09%. Close +0.36% vs SPY +0.10%
2023Q2ended 2023-06-302023-08-24 12:001.4941.1271.6881,4051,060EPS +32.6% · sales +32.6%vs 2022Q2, year-ago quarter · EPS +396.9% · sales +162.0%1-
2023Q1ended 2023-03-312023-07-250.614-0.6351,100-EPS - · sales -vs 2022Q1, year-ago quarter · EPS +56.1% · sales +169.2%2-
2022Q4ended 2022-12-312023-03-07 08:300.5320.8881.1081,066396.43EPS -40.1% · sales +168.8%vs 2021Q4, year-ago quarter · EPS -7.3% · sales +36.6%3 EPS · 1 sales-
2022Q3ended 2022-09-302022-11-23 08:300.4040.8060.558392.13459.54EPS -49.9% · sales -14.7%vs 2021Q3, year-ago quarter · EPS -43.6% · sales -14.8%5 EPS · 2 sales-

Annual earnings

2025FY EPS 1.124 missed 1.594, from 9.345 a year earlier. Sales 6,193 beat 5,999, from 5,055 a year earlier
EPS
9.34502018FY EPS 2.451 against 2.76420182019FY EPS 4.715 against 3.75520192020FY EPS 1.832 against 2.55020202021FY EPS 2.071 against 2.13520212022FY EPS 1.694 against 2.46920222023FY EPS 1.648 against 2.49620232024FY EPS 9.345 against 7.70620242025FY EPS 1.124 against 1.5942025
Sales, USD millions
6,45202018FY sales 1,115 against 1,81520182019FY sales 2,048 against 1,87120192020FY sales 1,943 against 1,96420202021FY sales 2,447 against 2,06420212022FY sales 2,366 against 3,23220222023FY sales 2,709 against 2,35720232024FY sales 5,055 against 6,45220242025FY sales 6,193 against 5,9992025

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2028FYestimate-10.141--9,7062.85
2027FYestimate-7.503--8,4533.86
2026FYestimate-5.253--7,1965.51
2025FY1.1241.5940.8576,1935,99947.33
2024FY9.3457.70611.0895,0556,4526.58
2023FY1.6482.4967.7172,7092,3579.59
2022FY1.6942.4692.6592,3663,2324.85
2021FY2.0712.1354.5682,4472,0643.74
2020FY1.8322.5502.6121,9431,9643.89
2019FY4.7153.7556.0122,0481,8712.81
2018FY2.4512.7643.5711,1151,8159.18
2017FY2.9083.2983.9822,1952,24018.48
2016FY3.0553.0383.0922,3671,8307.19
2015FY3.2852.8713.5911,9961,6928.81
2014FY2.7602.6553.3501,8581,54710.48
2013FY2.4981.9452.6701,5161,50611.58
2012FY2.3602.1862.360-1,45012.26
2011FY2.1471.7872.1401,0501,05913.48
2010FY0.7990.7100.951-999.536.24

Estimate revisions

Latest snapshot of each period and type. 2026FY E 5.25 per share.
PeriodTypeScaleDateMeanvs prior date
2026FYEper share2026-11-125.25-1.8%
2026Q3Eper share2026-11-121.30-6.5%
2026FYRper share2026-11-124.64-3.5%
2026Q3Rper share2026-11-121.51-10.7%
2026FYSUSD millions2026-11-117,1960.0%
2026Q3SUSD millions2026-11-091,671-5.3%
2026Q4Eper share2026-10-221.670.0%
2026Q4SUSD millions2026-10-211,9280.0%
2026Q4Rper share2026-10-091.78+15.5%
2026Q2Eper share2026-08-271.14+5.1%
2026Q2Rper share2026-08-271.22+10.7%
2026Q2SUSD millions2026-08-261,698-0.4%
2026Q1Eper share2026-05-290.33-31.3%
2026Q1Rper share2026-05-290.30-56.3%
2026Q1SUSD millions2026-05-141,752-1.8%
2025FYSUSD millions2026-03-246,0430.0%
2025FYEper share2026-03-191.60+0.3%
2025FYRper share2026-03-191.59+7.0%
2025Q4Eper share2026-03-050.34-25.4%
2025Q4SUSD millions2026-03-051,581+3.6%
2025Q4Rper share2026-02-180.20-61.2%
2025Q3Eper share2025-11-260.44-7.5%
2025Q3SUSD millions2025-11-261,271-2.3%
2025Q3Rper share2025-11-180.41+3.3%
2025Q2Eper share2025-08-271.18+8.4%
2025Q2Rper share2025-08-270.89-0.6%
2025Q2SUSD millions2025-08-261,272+12.0%
2025Q1Eper share2025-05-060.87-26.1%
2025Q1Rper share2025-05-060.76-37.7%
2025Q1SUSD millions2025-04-171,484-
2024FYSUSD millions2025-02-276,452-0.6%
2024FYEper share2025-02-267.710.0%
2024Q4Eper share2025-02-261.260.0%
2024FYRper share2025-02-197.32-2.5%
2024Q4Rper share2025-02-101.34+3.4%
2024Q4SUSD millions2025-01-201,1250.0%
2024Q3Eper share2024-11-131.740.0%
2024Q3Rper share2024-11-071.17+0.1%
2024Q3SUSD millions2024-11-061,208-4.3%
2024Q2Eper share2024-08-212.07+41.5%
2024Q2SUSD millions2024-08-211,936-
2024Q2Rper share2024-08-082.61+144.1%
2024Q1Eper share2024-05-171.18-1.3%
2024Q1Rper share2024-05-171.31-2.4%
2023FYSUSD millions2024-03-022,3570.0%
2023FYEper share2024-02-292.50-32.3%
2023FYRper share2024-01-050.71+69.4%

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share3.9823.5716.0122.6124.5682.6597.71711.0890.980.7487-
Sales USD millions3,7643,8884,2934,2359,6949,54019,48511,94810,58010,187-
Shares million shares115115115115119120120131133-133
Quarterly
MetricQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
EPS per share3.1231.2094.0930.8610.936-0.411-0.2740.2921.142
Sales USD millions2,6452,0472,9192,4412,4642,2392,9542,4512,543
Shares million shares120120131133133133133133133

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income7,369.607,598.97-15.6%8,999.60-44.3%16,147.49+195.1%5,472.66-7.8%5,936.48+151.6%2,359.88+5.7%2,232.77-4.4%2,336.48
Total Interest Expense2,828.183,115.89-8.0%3,387.10-67.1%10,291.14+138.0%4,324.77+16.5%3,711.67+189.7%1,281.37-20.5%1,612.72+18.2%1,364.53
Net Interest Income4,541.434,483.08-20.1%5,612.51-4.2%5,856.35+410.2%1,147.89-48.4%2,224.81+106.3%1,078.51+73.9%620.06-36.2%971.95
Loan Loss Provision2,575.702,369.67+154.6%930.65+46.8%633.99+59.9%396.46-11.0%445.59+1.8%437.67+21.1%361.32-1.6%367.37
Net Interest Income After Loan Loss Provision1,965.732,113.41-54.9%4,681.86-10.3%5,222.36+595.0%751.42-57.8%1,779.22+177.6%640.84+147.7%258.73-57.2%604.57
Non-Interest Income2,817.782,980.54+1.1%2,948.24-11.7%3,337.71-17.9%4,067.11+8.3%3,757.07+100.3%1,875.26-9.0%2,059.98+32.8%1,551.25
Non-Interest Expense3,405.543,591.40+4.3%3,443.29-1.9%3,509.26+57.5%2,227.42-22.3%2,867.62+103.1%1,412.20+15.5%1,223.18-8.1%1,331.13
Operating Income1,377.971,502.55-64.1%4,186.82-17.1%5,050.81+94.9%2,591.11-2.9%2,668.68+141.7%1,103.91+0.8%1,095.53+32.8%824.69
Unusual Expense9.916.77-79.6%33.12-39.4%54.66+12.2%48.71-13.8%56.54+684.2%7.21-89.0%65.83+643.0%8.86
Net Income Before Taxes143.24227.46-86.1%1,630.83-10.9%1,829.96+235.6%545.20-46.7%1,022.08+51.0%676.75-36.0%1,056.94+40.1%754.41
Income Taxes29.7373.80-88.6%648.75-7.0%697.93+373.2%147.49-57.5%346.86+17.1%296.14+68.0%176.27-23.4%230.19
Consolidated Net Income120.28157.48-91.1%1,767.54+54.8%1,141.97+190.2%393.53-41.6%673.67+77.8%378.84-57.0%880.67+68.0%524.22
Net Income From Continuing Operations120.25157.41-91.1%1,767.65+54.8%1,142.02+190.2%393.53-41.6%673.67+80.1%374.04-56.5%860.82+68.3%511.34
Net Income120.25157.41-91.1%1,767.65+54.8%1,142.02+190.2%393.53-41.6%673.67+80.1%374.04-56.5%860.82+68.3%511.34
EPS (Recurring) per share0.791.01-91.0%11.23+40.7%7.98+176.1%2.89-40.3%4.84+82.6%2.65-58.1%6.33+75.3%3.61
EPS (Basic, Before Extraordinaries) per share0.750.98-91.2%11.09+43.7%7.72+190.2%2.66-41.8%4.57+75.1%2.61-56.6%6.01+68.3%3.57
EPS (Diluted) per share0.750.98-91.2%11.09+43.7%7.72+190.2%2.66-41.8%4.57+75.1%2.61-56.6%6.01+68.3%3.57
Non-Operating Income (Expense)-1,224.83-1,268.33-2,522.87-3,166.19-1,997.20-1,590.06-419.95-1641.7%27.24-61.42
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Price To Earnings Ratio ratio statement ratio, not the snapshot38.7938.796.843.755.014.893.452.627.53
Price To Sales Ratio ratio0.790.820.830.130.150.140.300.541.02
Operating Margin %13.5314.2035.0425.9227.1627.5326.0725.5221.21
Net Margin %1.181.4914.795.864.136.958.8320.0513.15
Shares Outstanding million shares132.50132.50+1.0%131.19+9.5%119.770.0%119.77+0.4%119.35+3.8%114.960.0%114.960.0%114.96
Market Capitalization3,847.893,847.89-48.3%7,437.70+261.0%2,060.53+77.4%1,161.25+2.5%1,132.60+13.1%1,001.20-46.1%1,859.21-41.1%3,158.25

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/20242024Q39/30/2024
Interest Income1,723.94+0.4%1,760.93+5.6%2,175.91+11.8%1,708.83+22.4%1,716.65-16.9%1,667.45-37.0%1,945.77-66.5%1,395.71-50.0%
Total Interest Expense539.78-18.3%636.47-4.1%879.70+7.0%772.22+31.6%660.31+5.1%663.50-33.4%822.04-77.0%586.75-68.4%
Net Interest Income1,184.16+12.1%1,124.46+12.0%1,296.21+15.3%936.60+15.8%1,056.35-26.5%1,003.96-39.1%1,123.73-49.9%808.96-13.3%
Loan Loss Provision583.03+18.7%629.01+64.4%809.28+98.9%554.38+209.7%491.07+199.2%382.72+271.5%406.86+69.2%179.00+105.0%
Net Interest Income After Loan Loss Provision601.13+6.3%495.45-20.2%486.93-32.1%382.22-39.3%565.28-55.6%621.23-59.8%716.87-64.2%629.96-25.5%
Non-Interest Income819.36+9.7%690.26-10.7%778.27-20.1%529.89-18.6%747.14+28.8%773.26+35.2%973.72-54.7%650.97-10.0%
Non-Interest Expense835.73+1.3%762.64-6.0%981.26-22.0%825.91+37.9%824.80+33.0%810.95+22.7%1,258.37-7.0%598.96+27.2%
Operating Income584.76+19.9%423.07-27.5%283.94-34.3%86.20-87.4%487.61-60.4%583.53-59.9%432.22-84.5%681.97-37.9%
Unusual Expense4.43+446.9%1.52-7.9%2.13-83.1%1.83+369.2%0.81+224.0%1.65+385.3%12.57-28.7%0.39-96.5%
Net Income Before Taxes283.43+18.3%48.78-76.7%-56.71-628.0%-132.25-148.0%239.67-66.3%209.77-55.0%10.74-98.5%275.41+14.1%
Income Taxes101.76+13.3%1.01-98.5%-8.19-110.0%-64.85-168.0%89.83-63.9%67.88-57.1%81.65-73.4%95.37+43.9%
Consolidated Net Income183.36+22.0%46.90-66.1%-43.96-106.7%-66.02-136.9%150.32-67.5%138.34-54.8%652.38+64.1%178.92+2.9%
Net Income From Continuing Operations183.35+22.0%46.89-66.1%-43.96-106.7%-66.02-136.9%150.29-67.5%138.30-54.8%652.40+64.1%178.95+2.9%
Net Income183.35+22.0%46.89-66.1%-43.96-106.7%-66.02-136.9%150.29-67.5%138.30-54.8%652.40+64.1%178.95+2.9%
EPS (Recurring) per share1.16+23.4%0.30-65.5%-0.26-106.3%-0.40-133.1%0.94-69.9%0.87-58.0%4.15+49.8%1.21-1.6%
EPS (Basic, Before Extraordinaries) per share1.14+21.3%0.29-66.3%-0.27-106.6%-0.41-133.9%0.94-69.9%0.86-58.5%4.09+52.0%1.21+3.4%
EPS (Diluted) per share1.14+21.3%0.29-66.3%-0.27-106.6%-0.41-133.9%0.94-69.9%0.86-58.5%4.09+52.0%1.21+3.4%
Non-Operating Income (Expense)-296.90-372.78-338.52-216.63-247.14-372.11-408.91-406.17
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Price To Earnings Ratio ratio statement ratio, not the snapshot38.7942.019.853.885.435.196.844.62
Price To Sales Ratio ratio0.790.740.860.440.820.870.920.39
Operating Margin %22.9917.269.613.8519.7923.9114.8033.32
Net Margin %7.211.91-1.49-2.956.105.6722.358.74
Shares Outstanding million shares132.500.0%132.500.0%132.50+1.0%132.50+10.6%132.50+10.6%132.50+10.6%131.19+9.5%119.770.0%
Market Capitalization3,847.89-42.4%6,189.22-14.2%7,147.21-3.9%3,651.78-27.3%6,676.83+83.1%7,217.44+137.9%7,437.70+261.0%5,023.32+222.5%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks6,302.05+2.3%6,162.18+158.6%2,382.57+0.8%2,362.83-45.4%4,324.33+114.4%2,016.53-5.9%2,142.38-46.6%4,014.82+17.3%3,421.52
Investments6,034.85-2.2%6,171.56+31.9%4,680.26-35.8%7,287.91-29.2%10,287.30+250.7%2,933.07+42.0%2,065.95-17.7%2,509.13+12.6%2,228.96
Net Loans15,609.72+13.3%13,778.84+271.1%3,713.03-46.6%6,955.49-49.7%13,824.08+126.2%6,111.85+4.5%5,848.53-24.0%7,697.33-25.2%10,288.33
Investment in Unconsolidated Affiliates8.83+123.0%3.96+20.7%3.28-12.8%3.76-11.1%4.23+299.1%1.060.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets13.98+24.4%11.24+71.3%6.56-29.2%9.27-43.0%16.26+135.3%6.91+168.9%2.57-76.0%10.73-96.6%312.62
Net Property, Plant & Equipment823.62-14.7%965.59+119.7%439.41-32.8%653.93-44.6%1,179.78+126.8%520.18+121.1%235.29-18.6%289.03-44.4%520.07
Interest Receivables652.70+41.8%460.38+97.5%233.14-26.7%318.08-46.8%597.39+112.4%281.31+10.5%254.630.000.00
Deferred Tax Assets324.48-15.5%384.16+69.0%227.37+455.4%40.94-49.6%81.31-33.5%122.19+1.1%120.87+424.6%23.04-30.5%33.17
Other Intangible Assets1,767.84-53.5%3,803.32+267.2%1,035.64-30.0%1,480.53-3.9%1,540.10+160.6%590.99+40.0%422.02-9.3%465.11-20.1%582.28
Total Assets31,538.05-0.6%31,741.23+149.5%12,721.25-33.4%19,112.75-40.0%31,854.78+153.1%12,584.10+13.4%11,092.25-26.1%15,009.19-13.7%17,386.94
Total Deposits19,030.55+5.3%18,073.07+156.1%7,056.31-41.6%12,089.78-38.5%19,646.25+144.9%8,022.45+22.1%6,571.50-31.1%9,542.90-10.5%10,656.77
Total Debt2,512.25+19.8%2,096.81+244.5%608.59-32.0%895.04-43.0%1,571.60+124.4%700.26-41.5%1,197.25-27.1%1,642.53+11.7%1,470.30
Long Term Debt374.23-26.4%508.60+158.9%196.41+3.1%190.45-62.9%513.02+52.8%335.76-19.0%414.36-73.6%1,571.89+11.5%1,410.21
Provision for Risks Charges186.27-62.4%494.88+762.5%57.38-57.2%134.18-21.1%170.13+60.4%106.09+129.8%46.17+20.0%38.48+19.2%32.27
Deferred Tax Liabilities18.08-85.8%127.68+772.1%14.64-60.7%37.25-55.1%83.03+4993.9%1.63+66.3%0.98-90.4%10.24-74.1%39.48
Other Liabilities4,440.20-12.2%5,055.41+103.2%2,488.40-1.1%2,516.10-45.8%4,644.46+187.7%1,614.27-2.1%1,649.30-27.4%2,272.14-21.5%2,895.62
Total Liabilities26,187.35+1.3%25,847.85+152.8%10,225.32-34.8%15,672.35-40.0%26,115.48+150.0%10,444.70+10.3%9,465.19-29.9%13,506.30-10.5%15,094.44
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity5,350.51-9.2%5,893.21+136.1%2,495.84-27.5%3,440.40-40.1%5,739.30+168.3%2,139.40+35.4%1,580.60+8.5%1,457.20-33.5%2,189.70
Total Shareholders Equity5,350.51-9.2%5,893.21+136.1%2,495.84-27.5%3,440.40-40.1%5,739.30+168.3%2,139.40+35.4%1,580.60+8.5%1,457.20-33.5%2,189.70
Accumulated Minority Interest0.20+25.0%0.16+60.0%0.100.000.000.00-100.0%46.45+1.7%45.69-55.6%102.80
Total Equity5,350.71-9.2%5,893.38+136.1%2,495.93-27.5%3,440.40-40.1%5,739.30+168.3%2,139.40+31.5%1,627.06+8.3%1,502.89-34.4%2,292.50
Total Liabilities & Stockholders Equity31,538.05-0.6%31,741.23+149.5%12,721.25-33.4%19,112.75-40.0%31,854.78+153.1%12,584.10+13.4%11,092.25-26.1%15,009.19-13.7%17,386.94
Book Value Per Share per share33.31-9.9%36.99+119.1%16.88-27.4%23.26-40.3%38.93+160.4%14.95+35.3%11.05+8.5%10.18-33.5%15.30
Tangible Book Value Per Share per share38.40-10.0%42.67+117.9%19.58-27.2%26.91-39.8%44.71+161.3%17.11+32.1%12.95+9.7%11.81-36.6%18.63
Tier 1 Capital4,003.48-20.4%5,032.65+214.1%1,602.28-35.9%2,498.35+15.5%2,163.14+40.3%1,541.38+50.3%1,025.39+5.6%971.43-19.0%1,199.58
Tier 2 Capital20.11-59.8%50.07-49.9%100.00-51.0%204.04-27.8%282.46-13.6%326.83+0.9%323.89-4.3%338.42-8.3%369.08
Full-Time Employees people10,079+2.5%9,833+3.6%9,489+8.3%8,764+0.6%8,714-6.6%9,326-3.2%9,631-4.2%10,048-13.7%11,649
Price to Book Ratio ratio0.752.000.710.420.460.581.472.704.58
Return on Assets %0.507.957.172.222.113.166.603.093.26
Return on Equity %2.8042.1438.4812.3211.7420.1156.6728.8530.64
Return on Invested Capital %2.7527.6142.4210.8410.7715.1143.1516.8814.79
Current Ratio ratio3.504.835.684.837.345.762.8718.6522.18

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations4,431.393,536.61+564.9%531.91-110.70-267.1%66.24-96.4%1,840.73+0.9%1,824.52+59.2%1,146.13-382.90
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-4,464.63-3,311.41-265.15-162.8%422.10-1,154.46-240.6%821.02-51.06-166.7%76.59-90.6%813.45
Cash from Operating Activities-33.24225.21-15.6%266.77-14.3%311.40-1,088.23-140.9%2,661.75+50.1%1,773.46+45.0%1,222.72+184.0%430.55
Capital Expenditures-182.57-197.45-237.00-246.71-141.71-215.75-100.78-114.41-183.68
Net Assets From Acquisitions-297.75-294.49-3.58-8.56-5.74-4.28-1.45--
Sale of Fixed Assets and Businesses17.4718.30-98.4%1,177.24+7095.8%16.36+251.8%4.65-65.0%13.30+255.6%3.74-84.8%24.54+926.8%2.39
Purchase or Sale of Investments-540.58613.62-351.74-3,897.89-1,109.99-1,486.36-186.93-194.0%198.94-65.5%576.77
Purchase of Investments-783.07-774.48-552.47-3,949.45-1,111.96-1,487.29-186.93-29.53-343.42
Sale Or Maturity of Investments242.491,388.10+591.5%200.73+289.3%51.56+2517.3%1.97+114.1%0.92-228.47-75.2%920.19
Other Uses0.000.000.000.000.000.000.000.00-0.14
Other Sources0.000.000.000.000.000.000.000.00-100.0%32.96
Cash from Investing Activities-7,985.73-8,645.25-12,573.20-12,285.42-5,114.99-5,807.24-1,261.00-917.23-192.5%991.93
Cash Dividends Paid-417.44-264.27-671.57-608.89-192.51-39.40-28.81-41.43-42.69
Change in Capital Stock0.75101.210.000.000.000.000.00-100.0%2.120.00
Repurchase of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Sale of Common Pref Stock0.75101.210.000.000.000.000.00-100.0%2.120.00
Proceedsfrom Stock Options0.75101.210.000.000.000.000.00-100.0%2.120.00
Issuance or Reduction of Debt, Net7.95928.90-18.2%1,135.55-132.01-130.6%430.90+53.1%281.37-181.52-223.62-189.1%250.97
Change in Long Term Debt0.000.000.000.000.000.000.00-8.460.00
Reduction of Long Term Debt0.000.000.000.000.000.000.00-8.460.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.000.00
Cash from Financing Activities5,580.337,861.71-50.6%15,920.15-3.8%16,550.13+55.0%10,674.97+19.5%8,929.89+499.7%1,489.09-1,544.39-166.8%2,311.89
Exchange Rate Effect2,670.453,034.51+132.9%1,302.89-62.9%3,511.99+155.4%1,374.95+51.4%908.31+95.7%464.11-66.0%1,365.90+8.0%1,265.11
Net Change in Cash2,298.354,319.18-55.6%9,729.03-49.1%19,112.51+72.1%11,108.07-7.1%11,951.72+195.2%4,048.17+3087.5%127.00-97.5%4,999.48
Free Cash Flow-215.8127.75-6.8%29.77-54.0%64.69-1,229.93-150.3%2,446.00+46.2%1,672.68+50.9%1,108.31+206.6%361.44
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow ratio-----0.580.762.1812.38
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/20242024Q39/30/2024
Cash & Due from Banks4,064.58-13.0%4,148.87-19.3%6,302.05+2.3%5,708.37-7.2%4,673.77+72.2%5,138.96+116.1%6,162.18+158.6%6,152.10+203.7%
Investments7,582.94+26.3%6,762.82+9.3%6,034.85-2.2%4,788.06+2.6%6,002.23-11.5%6,188.53+15.4%6,171.56+31.9%4,667.74-32.3%
Net Loans17,724.32+14.0%17,528.57+15.5%15,609.72+13.3%16,107.86+82.7%15,550.34+129.0%15,177.22+194.6%13,778.84+271.1%8,818.01+41.0%
Investment in Unconsolidated Affiliates9.64+342.2%8.11+353.1%8.83+123.0%3.25+16.5%2.18-20.4%1.79-41.3%3.96+20.7%2.79-24.4%
Net Property, Plant & Equipment921.57-2.9%942.25-8.0%823.62-14.7%852.54+12.2%949.15+32.2%1,024.67+61.7%965.59+119.7%759.71+13.4%
Interest Receivables873.74+45.0%824.75+44.2%652.70+41.8%600.03+46.6%602.47+47.9%571.90+45.0%460.38+97.5%409.31+12.3%
Deferred Tax Assets439.52+10.5%422.81-3.2%324.48-15.5%350.33+295.9%397.68+472.4%436.99+127.0%384.16+69.0%88.48+155.6%
Other Intangible Assets2,373.43-31.9%2,023.22-48.9%1,767.84-53.5%2,187.70-25.6%3,485.55+112.3%3,960.21+171.7%3,803.32+267.2%2,941.35+77.6%
Total Assets33,989.72+7.3%32,661.39+0.5%31,538.05-0.6%30,598.15+28.4%31,663.36+65.5%32,500.26+108.7%31,741.23+149.5%23,839.50+33.2%
Total Deposits19,586.66+8.1%18,490.72+3.2%19,030.55+5.3%17,875.48+26.5%18,112.89+89.1%17,909.36+128.6%18,073.07+156.1%14,129.04+29.2%
Total Debt2,878.63+48.0%2,630.71+39.7%2,512.25+19.8%2,604.10+82.1%1,944.57+187.7%1,883.28+176.7%2,096.81+244.5%1,429.90+81.1%
Long Term Debt433.68-35.8%478.29-6.5%374.23-26.4%887.35+313.1%676.04+207.0%511.47+188.0%508.60+158.9%214.82+5.5%
Provision for Risks Charges168.33-36.2%171.83-59.0%186.27-62.4%190.90+34.9%263.66+87.6%419.27+241.8%494.88+762.5%141.56+107.0%
Deferred Tax Liabilities9.43+40.1%9.43-89.7%18.08-85.8%9.83-83.3%6.73-85.9%91.47+386.5%127.68+772.1%58.98-37.3%
Other Liabilities5,139.02-6.8%5,146.12-12.8%4,440.20-12.2%4,750.21+36.1%5,516.66+22.2%5,899.52+93.4%5,055.41+103.2%3,490.14+44.4%
Total Liabilities27,782.06+7.5%26,448.81+0.9%26,187.35+1.3%25,430.52+32.1%25,844.52+72.8%26,202.90+123.8%25,847.85+152.8%19,249.62+34.6%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity6,207.41+6.7%6,212.34-1.3%5,350.51-9.2%5,167.43+12.6%5,818.62+39.5%6,297.16+62.9%5,893.21+136.1%4,589.80+27.6%
Total Shareholders Equity6,207.41+6.7%6,212.34-1.3%5,350.51-9.2%5,167.43+12.6%5,818.62+39.5%6,297.16+62.9%5,893.21+136.1%4,589.80+27.6%
Accumulated Minority Interest0.26+18.2%0.24+20.0%0.20+25.0%0.19+137.5%0.22+120.0%0.20+566.7%0.16+60.0%0.08
Total Equity6,207.67+6.7%6,212.58-1.3%5,350.71-9.2%5,167.63+12.6%5,818.84+39.5%6,297.36+62.9%5,893.38+136.1%4,589.88+27.6%
Total Liabilities & Stockholders Equity33,989.72+7.3%32,661.39+0.5%31,538.05-0.6%30,598.15+28.4%31,663.36+65.5%32,500.26+108.7%31,741.23+149.5%23,839.50+33.2%
Book Value Per Share per share38.65+6.7%38.68-1.3%33.31-9.9%32.17+3.6%36.22+28.4%39.20+50.0%36.99+119.1%31.04+27.6%
Tangible Book Value Per Share per share44.67+7.0%44.67-1.3%38.40-10.0%37.05+2.3%41.75+27.3%45.26+48.7%42.67+117.9%36.21+28.4%
Tier 1 Capital--4,003.48-20.4%-4,155.51+43.0%-5,032.65+214.1%3,291.76
Tier 2 Capital--20.11-59.8%-90.27-9.7%-50.0750.06
Full-Time Employees people--10,079+2.5%---9,833+3.6%-
Price to Book Ratio ratio0.751.401.680.761.291.472.001.35
Return on Assets %0.370.270.563.214.415.967.206.44
Return on Equity %2.001.393.1817.9322.4228.1838.1432.85
Return on Invested Capital %2.760.70-0.77-1.092.312.0310.193.72
Current Ratio ratio2.292.913.504.025.065.284.836.07

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/20242024Q39/30/2024
Funds from Operations1,217.89+21.2%877.23+273.9%1,263.381,072.881,004.93-51.4%234.63-48.1%-516.05-280.5%-1,465.84-431.7%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-1,663.75-315.07-155.2%-3,175.31-442.4%689.50-1,432.75570.44927.24-43.1%-426.25
Cash from Operating Activities-445.85562.16-30.2%-1,911.93-565.0%1,762.38-427.82-128.1%805.07+255.0%411.18-78.5%-1,892.09
Capital Expenditures-55.74-50.05-47.83-28.95-26.96-95.89-78.38-60.93
Net Assets From Acquisitions0.000.00-297.750.000.000.00--
Sale of Fixed Assets and Businesses1.881.75-93.1%12.02-99.0%1.83-20.79-3453.2%25.45+2020.8%1,189.10+8460.8%-1.02-176.7%
Purchase or Sale of Investments-32.98-102.4%285.72+706.7%-1,157.29363.98-87.1%1,378.3235.42-97.4%-2,302.012,825.21
Purchase of Investments328.18+73.1%-328.18-406.81-376.26-142.8%189.64-189.64-558.41878.72
Sale Or Maturity of Investments-361.16-130.4%613.90+172.8%-750.48740.24-62.0%1,188.68225.06-84.2%-1,743.60-12310.1%1,946.49
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.00
Cash from Investing Activities-1,584.61-764.88-3,329.89-2,306.35-855.45-2,249.43-7,566.55-508.46
Cash Dividends Paid-146.42-86.19-96.18-88.66-82.370.00-11.43-244.24
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.000.00
Change in Capital Stock0.00-100.0%0.00-100.0%2.66-1.912.4699.120.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.000.000.00
Sale of Common Pref Stock0.00-100.0%0.00-100.0%2.66-1.912.4699.120.000.00
Proceedsfrom Stock Options0.00-100.0%0.00-100.0%2.66-1.912.4699.120.000.00
Issuance or Reduction of Debt, Net-459.89-301.5%164.25+166.3%339.80-65.9%309.46+131.5%228.2861.67+44.6%995.26133.69
Change in Long Term Debt0.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.00
Cash from Financing Activities1,693.60-19.7%-1,550.06-485.8%2,770.13-57.8%2,666.66-56.9%2,110.33+0.1%401.77-67.1%6,572.07-16.5%6,189.58+36.1%
Exchange Rate Effect445.30+5.4%-225.85-216.1%2,999.41+342.8%-548.41-293.1%422.60+45.4%194.55+199.8%677.43-51.6%284.02-74.8%
Net Change in Cash477.66-70.1%-1,308.671,136.88+112.8%1,992.48-60.4%1,599.68+157.8%-361.97-109.9%534.37-94.0%5,032.92-26.2%
Free Cash Flow-501.59512.12-27.8%-1,959.76-688.9%1,733.43-454.78-131.0%709.18+284.4%332.80-81.5%-1,953.02
Price to Free Cash Flow ratio---2.07---8.62

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Region
Name20242025vs 20242025 share
Argentina7,370.594,494.75-39.0%100.0%
Consolidation, Policy33.730.95-97.2%0.0%
United States-0.06-0.0%
Total7,404.324,495.76-39.3%100.0%
Segment
Name20242025vs 20242025 share
Banks5,892.533,321.50-43.6%73.9%
Consolidation, Policy33.730.95-97.2%0.0%
Insurance69.6063.19-9.2%1.4%
Naranja X1,410.071,103.75-21.7%24.6%
Other businesses-1.616.37-495.0%0.1%
Total7,404.324,495.76-39.3%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.55%7.3M132.4M915.08K
2026-10-155.44%7.2M132.4M857.93K
2026-09-304.43%5.9M132.4M865.50K
2026-09-154.21%5.6M132.4M923.47K
2026-08-314.11%5.4M132.4M1.04M
2026-08-144.01%5.3M132.4M1.14M
2026-07-314.45%5.9M132.4M1.18M
2026-07-154.80%6.4M132.4M1.24M
2026-06-305.00%6.6M132.4M1.19M
2026-06-156.03%8.0M132.4M1.23M
2026-05-295.51%7.3M132.4M1.22M
2026-05-154.95%6.6M132.4M1.14M
2026-04-304.81%6.4M132.4M1.24M
2026-04-155.21%6.9M132.4M1.21M
2026-03-315.06%6.7M132.4M1.27M
2026-03-134.51%6.0M132.4M1.19M
2026-02-275.00%6.6M132.4M1.19M
2026-02-134.29%5.7M132.4M1.27M
2026-01-304.75%6.3M132.4M1.38M
2026-01-154.71%6.2M132.4M1.96M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call23.004.208.200.003.0370.000.000.920-0.0490.006
call24.003.407.200.002.7430.000.000.908-0.0460.007
call25.002.306.200.002.4550.000.000.892-0.0430.008
call26.002.654.500.001.6930.000.000.855-0.0470.010
call27.001.803.800.001.6270.000.000.751-0.0690.013
call28.001.402.052.300.8831.000.000.654-0.0730.016
call29.000.351.851.611.0799.000.000.529-0.0920.017
call30.000.550.801.370.70765.0050.000.393-0.0720.016
call31.000.200.550.000.7080.000.000.287-0.0670.014
call32.000.000.350.490.75215.000.000.205-0.0580.012
call33.000.000.552.200.8911.000.000.180-0.0640.011
call34.000.000.400.451.01866.000.000.163-0.0680.010
call35.000.000.100.150.82123.000.000.068-0.0290.006
call36.000.000.250.110.91529.000.000.062-0.0310.005
call37.000.000.050.050.88278.004.000.035-0.0190.003
call38.000.000.100.400.9602230.000.033-0.0190.003
call39.000.000.450.201.0346820.000.031-0.0200.003
call40.000.001.150.081.1061340.000.029-0.0200.003
call41.000.000.950.321.1751950.000.028-0.0200.003
call42.000.001.151.111.2421.000.000.026-0.0210.003
call43.000.002.150.061.30715.000.000.025-0.0210.003
call44.000.001.200.271.36995.000.000.024-0.0210.002
call45.000.000.500.351.4401140.000.041-0.0360.004
call46.000.001.200.171.48810.000.000.023-0.0220.002
call47.000.001.150.101.5454020.000.022-0.0220.002
call48.000.001.150.401.6004.000.000.021-0.0220.002
call49.000.001.150.001.6540.000.000.021-0.0230.002
call50.000.001.200.101.70760.000.000.020-0.0230.002
call55.000.000.100.201.95363.000.000.031-0.0360.003
put23.000.001.050.001.2840.000.00-0.091-0.0570.007
put24.000.000.950.001.1050.000.00-0.104-0.0540.008
put25.000.000.950.120.9292.000.00-0.121-0.0510.009
put26.000.000.250.000.75325.000.00-0.145-0.0460.010
put27.000.200.350.300.65978.004.00-0.248-0.0690.013
put28.000.450.650.350.6572920.00-0.346-0.0730.016
put29.000.851.051.000.63359.0060.00-0.470-0.0920.017
put30.001.351.651.060.6439890.00-0.607-0.0710.016
put31.002.052.601.700.8072620.00-0.703-0.0700.015
put32.001.804.502.701.5636520.00-0.794-0.0570.012
put33.002.705.402.601.6751580.00-0.819-0.0630.011
put34.003.706.904.231.9641010.00-0.836-0.0670.010
put35.004.706.602.551.4066410.00-0.931-0.0280.006
put36.005.007.206.501.13853.002.00-0.937-0.0290.005
put37.006.008.505.251.55879.000.00-0.964-0.0170.003
put38.007.009.508.401.6678.000.00-0.967-0.0170.003
put39.007.9011.706.702.4990.000.00-0.969-0.0180.003
put40.008.9012.6010.002.5400.000.00-0.970-0.0180.003
put41.009.9013.600.002.6470.000.00-0.972-0.0180.003
put42.0010.9014.506.402.6730.000.00-0.973-0.0190.003
put43.0011.9015.600.002.9250.000.00-0.974-0.0190.003
put44.0012.9016.600.002.9450.000.00-0.975-0.0190.002
put45.0013.9017.308.042.8750.000.00-0.976-0.0190.002
put46.0014.9018.600.003.2810.000.00-0.977-0.0190.002
put47.0015.9019.600.003.3680.000.00-0.977-0.0190.002
put48.0016.9020.400.003.2120.000.00-0.978-0.0200.002
put49.0017.9021.500.003.3740.000.00-0.978-0.0200.002
put50.0018.9022.300.003.2830.000.00-0.979-0.0200.002
put55.0023.9027.7014.134.0580.000.00-0.981-0.0200.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-054Statement of changes in beneficial ownership of securities2026-03-20SEC
2026-09-146-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-14SEC
2026-09-106-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-09SEC
2026-09-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-02SEC
2026-09-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-02SEC
2026-08-256-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-07-296-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-07-29SEC
2026-07-296-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-07-29SEC
2026-07-134Statement of changes in beneficial ownership of securities2026-07-07SEC
2026-07-094Statement of changes in beneficial ownership of securities2026-06-26SEC
2026-07-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-07-02SEC
2026-07-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-07-02SEC
2026-06-306-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-06-306-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-30SEC
2026-05-136-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-03-31SEC
2026-05-066-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-06SEC
2026-04-306-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-29SEC
2026-04-306-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-29SEC
2026-04-296-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-29SEC
2026-04-176-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-17SEC
2026-04-1620-FRegistration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer.2025-12-31SEC
2026-04-156-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-15SEC
2026-04-073Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-076-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-07SEC
2026-04-076-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-07SEC
2026-03-313Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-313Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-313Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-313Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-316-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-03-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090086.55K2
2026-080000
2026-072.67M400
2026-061.58M300
2026-050000
2026-040050.67K1
2026-030050.57K1
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
Westwood Global Investments, LLC4.05%
Aquamarine Financial2.65%
MAK CAPITAL ONE LLC1.12%
PRICE T ROWE ASSOCIATES INC /MD/1.10%
PointState Capital LP1.06%
Carrhae Capital LLP1.03%
Robeco Institutional Asset Management B.V.0.96%
PING CAPITAL MANAGEMENT, INC.0.85%
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.0.84%
INCA Investments LLC0.73%

Funds

Fund% owned
Global X MSCI Argentina ETF0.81%
Global Macro Capital Opportunities Portfolio0.44%
Global Macro Absolute Return Advantage Portfolio0.25%
Driehaus Emerging Markets Growth Fund0.23%
T. Rowe Price Emerging Markets Discovery Stock Fund0.22%
Moerus Worldwide Fund0.15%
Nomura Focused Emerging Markets Equity ETF0.08%
Global Macro Portfolio0.06%
Matthews Emerging Markets Small Companies Fund0.06%
Matthews Emerging Markets Sustainable Future Fund0.05%

OakChart. GGAL. Cached 15 minutes. Terms