AGGA: Extraordinary costs drove a Q3 loss, but margins and ROE are set to recover in 2026

Quartr

Q3 results were impacted by extraordinary restructuring costs, leading to a net loss and higher NPLs, but margins are recovering and ROE is expected to improve to 11-12% in 2026. Lending and deposit growth are forecasted at 25% and 20% respectively, with asset quality peaking in Q1 2026.

Based on Grupo Financiero Galicia SA Sponsored ADR Class B [AGGA] Q3 2025 Audio Transcript — Nov. 26 2025

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This is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source.

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AGGA: Extraordinary costs drove a Q3 loss, but margins and ROE are set to rebound in 2026

Quartr

Grupo Financiero Galicia

-0.16%

Q3 results were impacted by extraordinary restructuring costs and asset quality deterioration, leading to a net loss, but margins are recovering and ROE is expected to improve to 11-12% in 2026. NPLs and cost of risk should peak in early 2026, with strong loan and deposit growth projected.

Based on Grupo Financiero Galicia SA Sponsored ADR Class B [AGGA] Q3 2025 Audio Transcript — Nov. 26 2025

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This is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source.

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AGGA: Quarterly net loss driven by integration costs and rising credit risk, despite strong capital

Quartr

Grupo Financiero Galicia

-0.16%

Reported a quarterly net loss driven by integration expenses and higher loan loss provisions. Credit quality deteriorated, with NPL and cost of risk rising, while capital ratios remained strong. Regulatory changes and inflation continue to pressure margins.

Original document: Grupo Financiero Galicia SA Sponsored ADR Class B [AGGA] Interim report — Nov. 26 2025

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AGGA: Loan and deposit growth offset by lower profitability amid inflation and integration costs

Quartr

Grupo Financiero Galicia

-0.16%

Grupo Galicia’s FY25 results reflect strong loan and deposit growth but sharply lower profitability due to high inflation, integration costs, and asset quality pressures. Naranja X and Seguros expanded, while FIMA and Securities saw mixed results.

Original document: Grupo Financiero Galicia SA Sponsored ADR Class B [AGGA] Slides Release — Nov. 26 2025

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AGGA: Quarterly net loss driven by integration costs and higher funding expenses; asset quality worsened

Quartr

Grupo Financiero Galicia

-0.16%

Reported a net loss of Ps.87,710 million for the quarter, mainly due to integration expenses and higher funding costs, with negative ROE and ROA. Asset quality deteriorated, but capital and liquidity ratios remain strong. Segment results were mixed, with Fondos Fima outperforming.

Original document: Grupo Financiero Galicia SA Sponsored ADR Class B [AGGA] SEC 6-K Current Report — Nov. 26 2025

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AGGA: High inflation and macro volatility pressured profitability, but asset management and insurance remained resilient

Quartr

Grupo Financiero Galicia

-0.16%

Argentina faces high inflation, fiscal deficits, and a depreciating currency, impacting financial sector profitability and efficiency. Grupo Financiero Galicia saw negative ROE in 3Q25, with Banco Galicia and Naranja X both reporting weak results, while insurance and asset management units showed resilience.

Original document: Grupo Financiero Galicia SA Sponsored ADR Class B [AGGA] Slides Release — Nov. 25 2025

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Grupo Financiero Galicia Sa : Ubs Initiates Coverage With Neutral Rating, Target Price $60

Reuters

Grupo Financiero Galicia

-0.16%

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AGGA: Extraordinary costs drove a Q3 loss, but margins and ROE are set to recover in 2026

AGGA: Extraordinary costs drove a Q3 loss, but margins and ROE are set to rebound in 2026

AGGA: Quarterly net loss driven by integration costs and rising credit risk, despite strong capital

AGGA: Loan and deposit growth offset by lower profitability amid inflation and integration costs

AGGA: Quarterly net loss driven by integration costs and higher funding expenses; asset quality worsened

AGGA: High inflation and macro volatility pressured profitability, but asset management and insurance remained resilient

Grupo Financiero Galicia Sa : Ubs Initiates Coverage With Neutral Rating, Target Price $60

Risk Disclosure