Screened 2026-09-10 · the tape above runs as of 10:31 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
Grupo Financiero Galicia S.A. holds its Accumulation at $44.72. The statistical read favours the sellers, held for 124 days.
As held on the ledger · 2026-09-10
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 124 days
Price at the screen
$44.72
Valuation
127.77 trailing · 6.39 forward price to earnings
Values screen
FAIL
Beta
0.28
The Workings
Five Screens, Shown in Full
Does not pass. Business activity
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Financial sector: banks
Fail
Debt load
0.00%
Below 33%
Interest-bearing debt is just 0.0% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
0.00%
Below 49%
Money owed to the company is 0.0% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 67.7% margin of safety to the base estimate.
Third-party analyst targets: 10 covering, consensus Buy. The average target sits +34% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Argentine bank looks cheap until ethics intervene
Picture a bank branch in Buenos Aires where every deposit and loan must navigate inflation spikes and shifting rules. Grupo Financiero Galicia sits right in that environment, yet it fails our ethical screen on business activity and that alone ends the conversation. The low forward multiple and wide gap to our fair value mean nothing once the screen says no.
Numbers show the underlying weakness clearly. Revenue is falling fifteen percent, profit margins sit at one percent and return on equity matches it, while the moat is rated weak. Nine analysts still carry a buy rating with a sixty-three dollar median target, but those figures ignore the cyclical trap that often turns low multiples into permanent capital loss rather than bargains.
The real exposure lies in currency swings, policy shocks and thin returns that leave little room for error. This is exactly what the screen is for. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
GGAL trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-30Markdown · changed$43.45-15.8%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 15.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 9%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (9 analysts) rates it buy, with a mean price target of $67.
2026-07-31Markup$51.61+7.9%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 7.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 9%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (9 analysts) rates it buy, with a mean price target of $67.
2026-07-18Markup$47.81+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 9%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (9 analysts) rates it buy, with a mean price target of $67.
2026-07-03Markup$47.81+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markup$47.81Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
