Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Grupo Financiero Galicia S.A. and Hilltop Holdings Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Grupo Financiero Galicia S.A. and Hilltop Holdings Inc.

Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Bank, Naranja X, Insurance, and Other Businesses segments. It offers savings, checking, and time deposits; and credit and debit cards. The company also provides personal loans, salary advance, express loans, AfterPay, Buy Now Pay Later, flexible loans, and overdrafts for individuals; and immediate loans, discount of electronic credit invoice and e-checks, pledge and mortgage loans, Sociedad de Garantía Recíproca loans, Socios de valor, productive line, leasing, and purchase of agricultural inputs for companies. In addition, the company offers life, home, personal accident, robbery, cars, and other insurance products; fixed term, traditional fixed term, and purchasing value unit investment products; custody of securities; purchase and sale of foreign currency; private banking; and fixed income products, stocks, CEDEARs, secured loans, mutual funds, stock promissory note, structured solutions, and primary issuances; foreign trade; and capital market and investment banking. Further, it provides online banking services. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.

Latest Banks and Grupo Financiero Galicia S.A., Hilltop Holdings Inc. Stock News

As of September 4, 2026, Grupo Financiero Galicia S.A. had a $7.5 billion market capitalization, compared to the Banks median of $767.9 million. Grupo Financiero Galicia S.A.’s stock is down 17.8% in 2026, up 5% in the previous five trading days and up 10.93% in the past year.

Currently, Grupo Financiero Galicia S.A. does not have a price-earnings ratio. Grupo Financiero Galicia S.A.’s trailing 12-month revenue is $4.0 billion with a 1.5% net profit margin. Year-over-year quarterly sales growth most recently was -25.9%. Analysts expect adjusted earnings to reach $4.747 per share for the current fiscal year. Grupo Financiero Galicia S.A. does not currently pay a dividend.

As of September 4, 2026, Hilltop Holdings Inc. had a $2.2 billion market cap, putting it in the 55th percentile of all stocks. Hilltop Holdings Inc.’s stock is up 15.6% in 2026, up 1.9% in the previous five trading days and up 9.79% in the past year.

Currently, Hilltop Holdings Inc.’s price-earnings ratio is 14.5. Hilltop Holdings Inc.’s trailing 12-month revenue is $1.3 billion with a 12.7% net profit margin. Year-over-year quarterly sales growth most recently was 5.2%. Analysts expect adjusted earnings to reach $2.407 per share for the current fiscal year. Hilltop Holdings Inc. currently has a 2.2% dividend yield.

How We Compare Grupo Financiero Galicia S.A. and Hilltop Holdings Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Grupo Financiero Galicia S.A. and Hilltop Holdings Inc.’s stock grades to see how they measure up against one another.

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Grupo Financiero Galicia S.A. and Hilltop Holdings Inc. Growth Grades

Company	Ticker	Growth
Grupo Financiero Galicia S.A.	GGAL	F
Hilltop Holdings Inc.	HTH	F

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Grupo Financiero Galicia S.A. has a Growth Score of 12, which is Very Weak. Hilltop Holdings Inc. has a Growth Score of 8, which is Very Weak.

The Growth Stock Winner: No Clear Winner

Neither Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. has a high enough Growth Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. is the better investment when it comes to sustainable growth.

Grupo Financiero Galicia S.A. and Hilltop Holdings Inc.’s Quality Grades

Company	Ticker	Quality
Grupo Financiero Galicia S.A.	GGAL	D
Hilltop Holdings Inc.	HTH	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Grupo Financiero Galicia S.A. has a Quality Score of 21, which is Weak. Hilltop Holdings Inc. has a Quality Score of 21, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. is the better investment when it comes to quality.

Grupo Financiero Galicia S.A. and Hilltop Holdings Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Grupo Financiero Galicia S.A.	GGAL	C
Hilltop Holdings Inc.	HTH	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Grupo Financiero Galicia S.A. has a Earnings Estimate Score of 58, which is Neutral. Hilltop Holdings Inc. has a Earnings Estimate Score of 56, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. is the better investment when it comes to estimate revisions.

Other Grupo Financiero Galicia S.A. and Hilltop Holdings Inc. Grades

In addition to Quality, Estimate Revisions and Growth, A+ Investor also provides grades for Value and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Grupo Financiero Galicia S.A. and Hilltop Holdings Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Grupo Financiero Galicia S.A. or Hilltop Holdings Inc. Stock?

Overall, Grupo Financiero Galicia S.A. stock has a Growth Score of 12, Estimate Revisions Score of 58 and Quality Score of 21.

Hilltop Holdings Inc. stock has a Growth Score of 8, Estimate Revisions Score of 56 and Quality Score of 21.

Comparing Grupo Financiero Galicia S.A. and Hilltop Holdings Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.