Grupo Supervielle SA (SUPV) AI Stock Analysis

• Market Cap: $775.35M
• Dividend Yield: 1.54%
• Average Volume (3M): 1.03M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.01
• Revenue Growth: -50.96%
• EPS Growth: -89.23%
• Country: US
• Employees: 3,456
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.04
• Shares Outstanding: 78,996,826
• 10 Day Avg. Volume: 1,147,114
• 30 Day Avg. Volume: 1,028,670
• PEG Ratio: 0.18
• Price to Book (P/B): 1.49
• Price to Sales (P/S): 0.65
• P/FCF Ratio: -1.33
• Enterprise Value/Market Cap: 651.03
• Enterprise Value/Revenue: 0.34
• Enterprise Value/Gross Profit: 0.72
• Enterprise Value/Ebitda: -6.87
• 1Y Price Target: $12.00
• Price Target Upside: 48.88% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): 0.79
• Revenue Forecast (FY): $889.34M

• Rating: 42 Neutral
• Price Target: $8.00 ▼(-0.74% Downside)
• Action: Downgraded Date: 03/14/26
• Date: Action: Downgraded 03/14/26

The score is held down primarily by weakened financial performance (losses, sharply higher leverage, and negative operating/free cash flow) and bearish technicals (below major moving averages with negative MACD). Valuation support is limited due to losses, and earnings-call guidance remains mixed with continued profitability and asset-quality headwinds.

Positive Factors

Strong Loan Growth

The significant loan growth indicates strong demand for the company's lending products and suggests effective market penetration, supporting long-term revenue expansion.

Innovative Banking Initiatives

These initiatives enhance customer experience and operational efficiency, potentially increasing customer retention and attracting new clients, which supports sustainable growth.

Improved Financial Performance

The improved financial performance reflects effective cost management and revenue generation, indicating robust profitability and operational efficiency.

Negative Factors

Asset Quality Concerns

Rising non-performing loans suggest potential challenges in credit risk management, which could impact future profitability and require increased provisions.

Cost of Risk and Loan Loss Provisions

Increased provisions indicate higher perceived risk in the loan portfolio, which may pressure margins and reduce financial flexibility.

Reduced Fee Income

Declining fee income suggests challenges in maintaining ancillary revenue streams, potentially impacting overall revenue diversification and stability.

Grupo Supervielle SA Business Overview & Revenue Model

Company Description

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal and Business Banking, Corporate Banking, Treasury and Finance, Capital Markets and Structuring, and Support Areas segments. It offers savings accounts, time and demand deposits, and checking accounts; various loan products, including personal, consumer, mortgage, unsecured, and car loans; overdrafts; loans with special facilities for project and working capital financing; and leasing, bank guarantees for tenants, salary advances, domestic and international factoring, international guarantees and letters of credit, payroll payment plans, credit cards, debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees. The company also provides foreign trade and cash management; advisory services; treasury services; insurance products comprising personal accidents, protected bag, unemployment, total protection, and pets insurance policies; and asset management and other services, as well as operates as an online broker. As of December 31, 2021, it operates through a network of 298 access points, including 184 bank branches, 10 banking sales and collection centers, 79 points of sales, 20 Tarjeta Automática branches, and 5 Mila branches, as well as 450 ATMs, 230 self-service terminals, and 298 ATMs with biometric identification. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is headquartered in Buenos Aires, Argentina.

How the Company Makes Money

Grupo Supervielle primarily makes money through its banking subsidiaries by earning net interest income and charging fee-based commissions. A key revenue stream is interest earned on loans (e.g., consumer, SME, and commercial credit) and other interest-earning assets, minus interest paid to depositors and other funding sources (net interest margin). The company also generates non-interest income from fees and commissions tied to account maintenance, payment and transaction services, card-related services, transfers, and other banking services. Additional earnings can come from capital markets and investment-related activities conducted through its financial services subsidiaries, such as asset management fees and securities/brokerage-related commissions, as well as results from treasury activities (e.g., gains/losses and income associated with the investment portfolio and risk management).

Grupo Supervielle SA Financial Statement Overview

Summary

Recent fundamentals weakened materially: 2025 returned to losses with negative operating profitability, leverage stepped up sharply (debt-to-equity ~1.04 vs. very low prior years), and operating/free cash flow turned deeply negative—raising balance-sheet and liquidity risk despite strong reported revenue growth.

Income Statement

Revenue has expanded sharply over the period (including a strong +70.6% in 2025), but profitability has been inconsistent. After solid positive earnings and margins in 2023–2024 (net margin ~3.7%–5.1%), 2025 swung back to losses (net margin -2.4%) with negative operating profitability, signaling elevated earnings volatility and weaker recent operating performance.

Balance Sheet

The balance sheet weakened materially in 2025 as leverage rose sharply: debt-to-equity moved from very low levels in 2022–2024 (roughly 0.01–0.11) to ~1.04 in 2025, indicating a significant step-up in balance-sheet risk. Equity has grown over time, but the latest year also posted negative return on equity, reducing confidence in capital efficiency at the current leverage level.

Cash Flow

Cash generation deteriorated meaningfully in 2025 with operating cash flow turning deeply negative and free cash flow also materially negative, reversing the positive free cash flow profile seen in 2021–2024. While prior years showed generally strong conversion of earnings into free cash flow, the latest year’s cash burn and lack of cash coverage creates near-term financial flexibility risk.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.33T	2.04T	3.02T	1.96T	793.88B
Gross Profit	918.05B	1.16T	1.23T	859.83B	381.48B
EBITDA	-112.72B	195.12B	257.67B	10.04B	16.79B
Net Income	-56.60B	104.49B	112.40B	-34.09B	-10.52B
Balance Sheet
Total Assets	7.79T	4.51T	4.48T	2.17T	760.48B
Cash, Cash Equivalents and Short-Term Investments	1.60T	662.73B	553.95B	158.18B	82.66B
Total Debt	1.05T	91.25B	8.27B	6.63B	4.71B
Total Liabilities	6.78T	3.71T	3.74T	1.88T	660.06B
Stockholders Equity	1.01T	797.74B	743.40B	287.32B	100.34B
Cash Flow
Free Cash Flow	-1.13T	461.47B	133.20B	539.30B	273.86B
Operating Cash Flow	-1.05T	518.86B	157.95B	565.34B	304.33B
Investing Cash Flow	1.13T	-46.24B	-18.89B	-23.53B	-28.48B
Financing Cash Flow	972.13B	-1.05T	-1.00T	-599.33B	-329.09B

Grupo Supervielle SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.06
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SUPV, the sentiment is Negative. The current price of 8.06 is below the 20-day moving average (MA) of 9.41, below the 50-day MA of 10.63, and below the 200-day MA of 9.86, indicating a bearish trend. The MACD of -0.69 indicates Positive momentum. The RSI at 33.36 is Neutral, neither overbought nor oversold. The STOCH value of 27.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SUPV.

Grupo Supervielle SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NRIM	67 Neutral	$503.41M	9.10	21.32%	2.31%	36.60%	92.63%
AROW	66 Neutral	$535.14M	9.18	8.49%	3.59%	6.86%	6.11%
PGC	66 Neutral	$597.75M	13.10	5.85%	0.70%	9.16%	6.95%
NFBK	49 Neutral	$545.86M	576.05	0.11%	4.38%	6.08%	52.64%
FFWM	46 Neutral	$468.30M	-15.87	-15.74%	―	-6.47%	-75.82%
SUPV	42 Neutral	$775.35M	-26.53	-5.10%	1.54%	-50.96%	-89.23%

Grupo Supervielle SA Corporate Events

Grupo Supervielle Cancels Treasury Shares and Reduces Share Capital

On February 11, 2026, Grupo Supervielle S.A. announced that its board had acknowledged the automatic cancellation of 1,739,881 Class B common shares, each with one vote, under Article 67 of Argentina’s Capital Markets Law. The cancellation covered shares acquired between January 2 and February 10, 2023, which remained in treasury for three years without being disposed of, triggering their automatic expiry.

As a direct result, the company’s share capital was automatically reduced by the nominal value of the cancelled shares, refining its equity structure in line with regulatory requirements. As of February 11, 2026, Grupo Supervielle’s new share capital stands at Ps. 442,671,830, composed of 61,738,188 Class A shares and 380,933,642 Class B shares, a change that adjusts the capital base and voting structure for existing shareholders.

The most recent analyst rating on (SUPV) stock is a Hold with a $13.00 price target. To see the full list of analyst forecasts on Grupo Supervielle SA stock, see the SUPV Stock Forecast page.

Grupo Supervielle Cuts Capital After Automatic Cancellation of Class B Treasury Shares

On December 30, 2025, Grupo Supervielle S.A. reported that its Board of Directors acknowledged the automatic cancellation of 2,422,403 Class B common treasury shares, each with one vote, in accordance with Article 67 of Argentina’s Capital Markets Law. The cancellation applied to shares acquired between November 25 and December 30, 2022, which were not disposed of within the three-year regulatory holding period, triggering an automatic reduction in the company’s share capital by the nominal value of the cancelled stock. Following this adjustment, effective December 30, 2025, Grupo Supervielle’s share capital was reduced to Ps. 444,411,711, now comprised of 61,738,188 Class A shares and 382,673,523 Class B shares, a move that slightly tightens the equity base and marginally alters the capital structure for existing shareholders.

The most recent analyst rating on (SUPV) stock is a Buy with a $15.00 price target. To see the full list of analyst forecasts on Grupo Supervielle SA stock, see the SUPV Stock Forecast page.

Grupo Supervielle Cancels Treasury Shares, Trimming Share Capital in August 2025

On August 13, 2025, Grupo Supervielle S.A.’s board acknowledged the automatic cancellation of 472,987 Class B common treasury shares, which had been originally acquired between August 3 and August 12, 2022 and remained in the company’s portfolio beyond the three-year holding limit set by Argentina’s Capital Markets Law. As a result of this regulatory-driven cancellation, the company’s share capital was reduced by the nominal value of the cancelled shares, leaving total capital at Ps. 456,249,335 as of August 13, 2025, composed of 61,738,188 Class A shares and 394,511,147 Class B shares, a move that marginally adjusts the capital structure and share count for existing shareholders.

The most recent analyst rating on (SUPV) stock is a Buy with a $15.00 price target. To see the full list of analyst forecasts on Grupo Supervielle SA stock, see the SUPV Stock Forecast page.