DDM Analysis: GGAL.BA

Valuation Snapshot

Stable Growth	$31,487.35 - $113,625.21	$100,183.35
Multi-Stage	$14,443.67 - $15,800.56	$15,109.69
Blended Fair Value	$57,646.52
Current Price	$4,250.00
Upside	1,256.39%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	197.01%	163.17%	383.57	111.82	41.30	7.29	3.73	1.66	1.01	0.54	0.09	0.06
YoY Growth	-	-	243.02%	170.75%	466.78%	95.12%	125.03%	64.57%	88.18%	472.79%	50.00%	159.10%
Dividend Yield	-	-	5.36%	4.03%	9.43%	3.58%	3.39%	2.90%	0.94%	0.41%	0.16%	0.15%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	915,980.90
(-) Cash Dividends Paid (M)	343,593.32
(=) Cash Retained (M)	572,387.58

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	183,196.18	114,497.61	68,698.57
Cash Retained (M)	572,387.58	572,387.58	572,387.58
(-) Cash Required (M)	-183,196.18	-114,497.61	-68,698.57
(=) Excess Retained (M)	389,191.40	457,889.97	503,689.01
(/) Shares Outstanding (M)	1,603.22	1,603.22	1,603.22
(=) Excess Retained per Share	242.76	285.61	314.17
LTM Dividend per Share	214.32	214.32	214.32
(+) Excess Retained per Share	242.76	285.61	314.17
(=) Adjusted Dividend	457.07	499.92	528.49
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$31,487.35	$100,183.35	$113,625.21
Upside / Downside	640.88%	2,257.26%	2,573.53%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	915,980.90	975,519.66	1,038,928.44	1,106,458.79	1,178,378.61	1,254,973.22	1,292,622.41
Payout Ratio	37.51%	48.01%	58.51%	69.00%	79.50%	90.00%	92.50%
Projected Dividends (M)	343,593.32	468,335.05	607,841.52	763,505.12	936,836.85	1,129,475.90	1,195,675.73

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.03%	7.03%	7.03%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	433,459.11	437,567.73	441,676.34
Year 2 PV (M)	520,682.89	530,600.43	540,611.54
Year 3 PV (M)	605,321.87	622,698.49	640,404.51
Year 4 PV (M)	687,432.17	713,868.87	741,060.85
Year 5 PV (M)	767,068.81	804,118.52	842,586.21
PV of Terminal Value (M)	20,142,355.58	21,115,238.89	22,125,356.73
Equity Value (M)	23,156,320.43	24,224,092.92	25,331,696.18
Shares Outstanding (M)	1,603.22	1,603.22	1,603.22
Fair Value	$14,443.67	$15,109.69	$15,800.56
Upside / Downside	239.85%	255.52%	271.78%

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Grupo Financiero Galicia S.A. (GGAL.BA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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