GGAL vs. HACBY
GGAL (Grupo Financiero Galicia S.A.) and HACBY (Hachijuni Bank Ltd ADR) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, GGAL returned 9.37%/yr vs -3.47%/yr for HACBY. At a 0.02 correlation, their price movements are largely independent.
Performance
GGAL vs. HACBY - Performance Comparison
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Returns By Period
In the year-to-date period, GGAL achieves a 5.26% return, which is significantly lower than HACBY's 23.35% return. Over the past 10 years, GGAL has outperformed HACBY with an annualized return of 9.37%, while HACBY has yielded a comparatively lower -3.47% annualized return.
GGAL
- 1D
- -0.45%
- 1M
- 35.23%
- YTD
- 5.26%
- 6M
- 17.58%
- 1Y
- 5.87%
- 3Y*
- 62.39%
- 5Y*
- 48.50%
- 10Y*
- 9.37%
HACBY
- 1D
- 0.00%
- 1M
- -0.67%
- YTD
- 23.35%
- 6M
- 23.35%
- 1Y
- 68.19%
- 3Y*
- -12.69%
- 5Y*
- -4.31%
- 10Y*
- -3.47%
GGAL vs. HACBY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GGAL Grupo Financiero Galicia S.A. | 5.26% | -11.36% | 289.05% | 92.28% | 8.05% | 8.88% | -45.53% | -40.38% | -57.85% | 145.24% |
HACBY Hachijuni Bank Ltd ADR | 23.35% | 91.80% | -77.26% | 32.97% | 24.57% | -3.28% | -22.69% | 7.06% | -29.46% | -0.06% |
Correlation
The correlation between GGAL and HACBY is -0.10, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.10 |
Correlation (3Y) Calculated over the trailing 3-year period | -0.02 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.01 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.02 |
Correlation (All Time) Calculated using the full available price history since Jan 4, 2016 | 0.02 |
The correlation between GGAL and HACBY shifts across timeframes, from -0.10 (1 year) to 0.02 (all time), reflecting how their relationship changes across market environments.
Fundamentals
GGAL:
$1.55B
HACBY:
$6.19B
GGAL:
ARS 676.97
HACBY:
¥283.66
GGAL:
116.68
HACBY:
15.37
GGAL:
1.06
HACBY:
0.49
GGAL:
0.77
HACBY:
3.33
GGAL:
0.26
HACBY:
0.86
GGAL:
ARS 13.01T
HACBY:
¥299.73B
GGAL:
ARS 5.27T
HACBY:
¥244.80B
GGAL:
ARS 306.88B
HACBY:
¥80.85B
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Return for Risk
GGAL vs. HACBY — Risk / Return Rank
GGAL
HACBY
GGAL vs. HACBY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Grupo Financiero Galicia S.A. (GGAL) and Hachijuni Bank Ltd ADR (HACBY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| GGAL | HACBY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.14 | ||
| Sortino ratioReturn per unit of downside risk | -1.62 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 1.79 | -0.70 |
| Calmar ratioReturn relative to maximum drawdown | 0.06 | 4.40 | -4.33 |
| Martin ratioReturn relative to average drawdown | 0.13 | 11.33 | -11.19 |
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Drawdowns
GGAL vs. HACBY - Drawdown Comparison
The maximum GGAL drawdown since its inception was -98.98%, which is greater than HACBY's maximum drawdown of -85.63%. Use the drawdown chart below to compare losses from any high point for GGAL and HACBY.
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Drawdown Indicators
| GGAL | HACBY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.98% | -85.63% | -13.35% |
Max Drawdown (1Y)Largest decline over 1 year | -51.28% | -15.59% | -35.69% |
Max Drawdown (3Y)Largest decline over 3 years | -62.94% | -85.52% | +22.58% |
Max Drawdown (5Y)Largest decline over 5 years | -62.94% | -85.52% | +22.58% |
Max Drawdown (10Y)Largest decline over 10 years | -91.70% | -85.63% | -6.07% |
Current DrawdownCurrent decline from peak | -19.48% | -61.26% | +41.78% |
Average DrawdownAverage peak-to-trough decline | -57.36% | -41.02% | -16.34% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 24.18% | 6.04% | +18.14% |
Volatility
GGAL vs. HACBY - Volatility Comparison
Grupo Financiero Galicia S.A. (GGAL) has a higher volatility of 17.53% compared to Hachijuni Bank Ltd ADR (HACBY) at 0.67%. This indicates that GGAL's price experiences larger fluctuations and is considered to be riskier than HACBY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GGAL | HACBY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.53% | 0.67% | +16.86% |
Volatility (6M)Calculated over the trailing 6-month period | 37.08% | 19.06% | +18.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 75.08% | 61.60% | +13.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 58.54% | 64.37% | -5.83% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 62.01% | 52.62% | +9.39% |
Dividends
GGAL vs. HACBY - Dividend Comparison
GGAL's dividend yield for the trailing twelve months is around 3.84%, more than HACBY's 0.94% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GGAL Grupo Financiero Galicia S.A. | 3.84% | 2.11% | 3.81% | 6.49% | 4.62% | 0.23% | 0.94% | 1.89% | 1.29% | 0.16% | 0.13% | 0.09% |
HACBY Hachijuni Bank Ltd ADR | 0.94% | 2.95% | 7.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.26% | 2.44% | 0.00% |
Financials
GGAL vs. HACBY - Financials Comparison
This section allows you to compare key financial metrics between Grupo Financiero Galicia S.A. and Hachijuni Bank Ltd ADR. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
GGAL vs. HACBY - Profitability Comparison
GGAL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Grupo Financiero Galicia S.A. reported a gross profit of 1.11T and revenue of 1.99T. Therefore, the gross margin over that period was 56.0%.
HACBY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Hachijuni Bank Ltd ADR reported a gross profit of 83.20B and revenue of 97.90B. Therefore, the gross margin over that period was 85.0%.
GGAL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Grupo Financiero Galicia S.A. reported an operating income of 66.60B and revenue of 1.99T, resulting in an operating margin of 3.4%.
HACBY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Hachijuni Bank Ltd ADR reported an operating income of 12.70B and revenue of 97.90B, resulting in an operating margin of 13.0%.
GGAL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Grupo Financiero Galicia S.A. reported a net income of 65.18B and revenue of 1.99T, resulting in a net margin of 3.3%.
HACBY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Hachijuni Bank Ltd ADR reported a net income of 17.17B and revenue of 97.90B, resulting in a net margin of 17.5%.
Frequently Asked Questions
GGAL and HACBY have a correlation of -0.10, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
GGAL has higher volatility (17.53%) compared to HACBY (0.67%). In terms of maximum drawdown, GGAL dropped -98.98% vs HACBY's -85.63%.
HACBY currently has the higher Sharpe Ratio (1.18 vs 0.04), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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