Discounted Cash Flow

Grupo Financiero Galicia S.A. ADR

GGAL · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2017 $54.7b $6.8b 12.4% $5.10
2018 $78.3b (43.1%) $-3.5b (-151.0%) -4.4% (-135.6%) $-2.43 (-147.6%)
2019 $130.5b (66.7%) $23.7b (784.1%) 18.2% (510.3%) $16.62 (784.0%)
2020 $166.8b (27.8%) $25.2b (6.3%) 15.1% (-16.9%) $17.46 (5.1%)
2021 $290.2b (74.0%) $31.1b (23.4%) 10.7% (-29.0%) $21.09 (20.8%)
2022 $4.7t (1514.5%) $48.6b (56.4%) $454.6b 1.0% (-90.3%) $32.98 (56.4%)
2023 $9.6t (104.3%) $679.7b (1297.4%) $1.5t (220.1%) 7.1% (584.1%) $460.89 (1297.5%)
2024 $9.9t (3.2%) $1.8t (159.5%) $3.2t (121.3%) 17.9% (151.5%) $1189.39 (158.1%)
2025 $8.5t (-13.5%) $212.5b (-88.0%) $-1.9t (-157.5%) 2.5% (-86.1%) $132.48 (-88.9%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model