Grupo Financiero Galicia (GGAL) Balance Sheet: Assets & Liabilities

Grupo Financiero Galicia (GGAL) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Grupo Financiero Galicia reported total assets of ARS 45.67T and total liabilities of ARS 37.91T. Shareholders' equity was ARS 7.76T, up 28.0% from ARS 6.06T a year earlier. Total debt stood at ARS 3.55T against ARS 9.37T in cash and short-term investments, a net cash position of ARS 5.81T. That puts debt-to-equity at 0.46, compared with 0.65 a year earlier.

Grupo Financiero Galicia Balance Sheet Analysis

Values in trillions ARS

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Grupo Financiero Galicia S.A. (GGAL) - Annual data in trillions ARS
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	9.37	3.76	3.04	1.39	0.46	0.31	0.18	0.15	0.04
Short-Term Investments	0.00	0.00	0.00	0.00	0.00	0.04	0.00	0.00	0.00
Cash & Short-Term Investments	9.37	3.76	2.00	0.63	0.46	0.31	0.16	0.15	0.04
Accounts Receivable	0.94	5.94	2.23	1.31	0.06	0.27	0.00	0.02	0.00
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.05	3.10	-2.19	-1.31	-0.48	-0.27	0.00	0.00	0.00
Total Current Assets	17.36	12.79	2.03	0.63	0.46	0.31	0.16	0.15	0.04
Non-Current Assets
Property, Plant & Equipment (Net)	1.20	1.00	0.77	0.36	0.12	0.07	0.04	0.03	0.02
Long-Term Investments	0.01	17.07	0.03	3.65	0.00	0.24	0.00	0.00	0.06
Intangible Assets	0.38	0.30	0.27	0.12	0.04	0.02	0.01	0.01	0.00
Other Non-Current Assets	2.90	0.94	18.56	5.76	2.37	0.96	0.72	0.69	0.37
Total Non-Current Assets	28.31	19.72	21.63	9.91	3.18	1.29	0.77	0.73	0.45
Total Assets	45.67	32.52	24.15	10.49	3.27	1.60	0.94	0.88	0.49
Current Liabilities
Accounts Payable	0.64	0.24	0.14	0.14	0.14	0.00	0.00	0.00	0.00
Short-Term Debt	0.68	0.39	0.05	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Liabilities	0.00	1.02	0.61	0.28	0.02	-	-	-	-
Other Current Liabilities	28.36	18.62	0.14	6.78	-0.01	0.02	0.01	-0.01	-0.01
Total Current Liabilities	29.04	19.25	0.75	0.58	0.05	0.06	0.04	0.05	0.01
Non-Current Liabilities
Long-Term Debt	2.88	3.55	0.65	0.49	0.15	0.09	0.10	0.12	0.07
Deferred Tax Liabilities	0.03	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	5.72	22.45	7.50	7.13	2.30	1.21	0.66	0.65	0.34
Total Non-Current Liabilities	8.87	26.00	7.97	8.36	2.46	1.30	0.76	0.77	0.41
Total Liabilities	37.91	26.45	17.85	8.59	2.68	1.32	0.77	0.78	0.42
Stockholders' Equity
Common Stock	0.00	0.00	0.02	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	-1.38	3.76	-0.47	-0.39	-0.11	0.15	-0.05	0.04	0.03
Accumulated Other Comprehensive Income	6.02	1.62	0.01	1.55	0.47	0.27	0.13	0.04	0.02
Additional Paid-in Capital	0.80	0.69	1.51	0.73	0.02	0.12	0.07	0.01	0.01
Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Shares Outstanding	0.00	0.00	0.00	0.00	0.00	-	-	-	-
Total Stockholders' Equity	7.76	6.06	4.77	1.90	0.59	0.27	0.16	0.09	0.06
Total Liabilities & Equity	45.67	32.52	10.22	10.49	3.27	1.59	0.94	0.88	0.49

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Grupo Financiero Galicia Balance Sheet

How much debt does Grupo Financiero Galicia have?

Grupo Financiero Galicia had total debt of ARS 3.55T as of Dec 31, 2025, against ARS 9.37T in cash and short-term investments. Its debt-to-equity ratio was 0.46. Total debt was ARS 3.94T a year earlier.

What are Grupo Financiero Galicia's total assets?

Grupo Financiero Galicia reported total assets of ARS 45.67T as of Dec 31, 2025, up 40.4% from ARS 32.52T a year earlier. Total liabilities were ARS 37.91T.

What is Grupo Financiero Galicia's shareholders' equity?

Grupo Financiero Galicia's shareholders' equity was ARS 7.76T as of Dec 31, 2025, or about ARS 4830.70 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition