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Grupo Supervielle SA (SUPV)
NYSE:SUPV
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Grupo Supervielle SA
(NYSE:SUPV)
74Outperform
Positive Factors
Loan Growth
Supervielle is growing loans faster than peers, which is seen as a positive given loan growth is among investors’ main focus.
Negative Factors
Capitalization
Supervielle is the bank with the lowest capitalization within the coverage, which is not expected to be an issue in the short term but remains a point to monitor.
Earnings Performance
Pre-tax earnings declined 69% QoQ and 77% YoY, 14% below BofAe on weaker NII and income from securities and a wider loss in the net monetary position.
Grupo Supervielle SA (SUPV) vs. S&P 500 (SPY)
Market Cap
$1.33B
Dividend Yield1.24%
Average Volume (3M)1.06M
Price to Earnings (P/E)8.1
Beta (1Y)0.98
Revenue Growth18.91%
EPS Growth238.93%
CountryUS
Employees3,663
SectorFinancial
Sector Strength77
IndustryBanking
Share Statistics
EPS (TTM)1.27
Shares Outstanding78,996,826
10 Day Avg. Volume1,004,943
30 Day Avg. Volume1,056,992
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)N/A
Price to Sales (P/S)1.45
Price to Cash Flow (P/CF)N/A
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$19.00Price Target Upside50.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
Grupo Supervielle SA Business Overview & Revenue Model
Company DescriptionGrupo Supervielle S.A. is a leading financial services company in Argentina, operating primarily through its subsidiary Banco Supervielle. The company offers a comprehensive range of banking services including retail, corporate, and investment banking, as well as asset management and insurance services. With a strong presence in Argentina, Grupo Supervielle serves individuals, small and medium enterprises, and large corporations, providing a wide array of financial products tailored to meet the diverse needs of its clients.
How the Company Makes MoneyGrupo Supervielle S.A. generates revenue primarily through its banking operations, which include interest income from loans and advances to customers, as well as fees from various banking services. The company also earns money from its investment banking activities, which involve underwriting, advisory services, and securities trading. Additionally, Grupo Supervielle benefits from its asset management and insurance divisions, which contribute through management fees and insurance premiums. The company leverages its extensive branch network and digital platforms to reach a broad customer base, enhancing its ability to generate consistent income. Strategic partnerships and a focus on digital transformation further bolster its revenue streams by expanding service offerings and improving operational efficiency.
Grupo Supervielle SA Financial Statement Overview
Summary
Grupo Supervielle exhibits strong financial performance with robust revenue and net profit margin growth, enhanced profitability, and effective cash flow management. Low leverage and a high ROE reflect financial stability, though the high proportion of liabilities to assets poses a potential risk.Income Statement
Grupo Supervielle shows strong revenue growth in the TTM with a Gross Profit Margin of 100% due to the nature of its revenue recognition. Net Profit Margin improved significantly to 13.17% in the TTM from 11.71% in 2023, indicating enhanced profitability. However, the negative EBITDA margin in the TTM suggests challenges in managing non-cash expenses.75
Positive
Balance Sheet
The company maintains a very low Debt-to-Equity Ratio of 0.04, indicating low leverage and financial stability. Stockholders' Equity has grown, improving the Equity Ratio to 18.43% in the TTM. Return on Equity stands at a robust 14.28%, reflecting efficient use of equity capital. However, the high proportion of liabilities to assets could be a potential risk.70
Positive
Cash Flow
Operating Cash Flow remains strong, with a significant increase in Free Cash Flow, demonstrating effective cash management. The Free Cash Flow to Net Income Ratio is high, indicating good cash conversion. While Free Cash Flow Growth is impressive, sustaining this momentum is crucial.85
Very Positive
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 798.75B | 440.59B | 342.78B | 335.51B | 62.87B | 57.39B | Gross Profit |
| 798.75B | 440.59B | 342.78B | 335.51B | 62.87B | 57.39B | EBIT |
| 161.71B | 90.54B | -10.62B | 4.62B | 6.30B | -4.08B | EBITDA |
| -195.76B | -115.63B | 2.00B | -30.25B | -13.38B | 0.00 | Net Income Common Stockholders |
| 105.19B | 51.62B | -15.65B | -10.52B | 5.28B | -4.42B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 30.13B | 146.06B | 83.54B | 51.23B | 28.56B | 15.04B | Total Assets |
| 218.03B | 2.06T | 2.17T | 760.52B | 376.19B | 202.42B | Total Debt |
| 14.44B | 2.86B | 4.76B | 2.18B | 2.11B | 4.00B | Net Debt |
| -15.69B | -226.24B | -78.78B | -49.05B | -26.44B | -11.04B | Total Liabilities |
| 191.93B | 1.72T | 1.88T | 660.00B | 322.34B | 170.52B | Stockholders Equity |
| 26.08B | 341.38B | 287.32B | 100.43B | 53.81B | 31.88B |
| Cash Flow | Free Cash Flow | ||||
| 1.92T | 133.20B | 539.30B | 273.86B | -16.94B | 136.20B | Operating Cash Flow |
| 1.97T | 157.95B | 565.34B | 304.33B | -9.81B | 138.49B | Investing Cash Flow |
| -36.49B | -18.89B | -23.53B | -28.48B | -6.57B | -2.68B | Financing Cash Flow |
| -1.29T | -1.00T | -599.33B | -329.09B | 22.28B | -225.19B |
Grupo Supervielle SA Technical Analysis
Negative
12.60
Price Trends
15.62
Negative
13.28
Negative
10.10
Positive
Market Momentum
-0.67
Positive
37.76
Neutral
34.03
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 12.6 is below the 20-day moving average (MA) of 13.78, below the 50-day MA of 15.62, and above the 200-day MA of 10.10, indicating a neutral trend. The MACD of -0.67 indicates Positive momentum. The RSI at 37.76 is Neutral, neither overbought nor oversold. The STOCH value of 34.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SUPV.
Grupo Supervielle SA Risk Analysis
Grupo Supervielle SA disclosed 47 risk factors in its most recent earnings report. Grupo Supervielle SA reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Grupo Supervielle SA Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $5.89B | 14.49 | 9.05% | 10.11% | 40.86% | 236.42% | |
80 Outperform | $10.00B | 6.35 | 32.82% | 4.64% | 30.54% | 97.65% | |
78 Outperform | $4.12B | 9.12 | 16.83% | 9.33% | 22.97% | 33.32% | |
74 Outperform | $1.33B | 8.10 | 23.58% | 1.24% | 18.91% | 238.93% | |
66 Neutral | $4.78B | 12.79 | 22.11% | ― | -0.88% | -47.59% | |
64 Neutral | $13.80B | 10.64 | 9.23% | 4.22% | 17.66% | -7.66% | |
49 Neutral | $1.68B | ― | -25.08% | ― | 39.11% | -246.64% |
* Financial Sector Average
Performance Comparison
SUPV
Grupo Supervielle SA
12.60
7.52
148.03%
BMA
Banco Macro SA
81.62
43.08
111.78%
BBAR
Banco BBVA Argentina
17.43
10.73
160.15%
EDN
Edenor SA
31.87
16.19
103.25%
GGAL
Grupo Financiero Galicia SA
54.39
31.84
141.20%
PAM
Pampa Energia SA
75.90
36.74
93.82%
Grupo Supervielle SA Earnings Call Summary
Earnings Call Date: Mar 10, 2025 | % Change Since: 0.56% | Next Earnings Date: May 21, 2025
Earnings Call Sentiment Positive
The earnings call reflected a strong performance with significant growth in the loan book and U.S. dollar deposits, alongside successful digital transformation and solid profitability. However, there were challenges such as a slight increase in the non-performing loan ratio and a decline in peso deposits, with anticipated pressure on net interest margins due to macroeconomic conditions.Highlights
Strong Loan Book Expansion
The loan book expanded by 27% quarter-over-quarter and 107% year-on-year, significantly outpacing the industry growth of 50%.
Record U.S. Dollar Deposits
U.S. dollar deposits reached record levels, up 178% year-over-year, gaining 80 basis points during the year.
Successful Digital Transformation
Grupo Supervielle completed its digital transformation started in 2020, enhancing its operating model to become a more agile, tech-driven institution.
Invertironline's Strong Performance
Invertironline's customer base grew by 57% year-on-year, with assets under custody reaching $1.7 billion, up 44% year-on-year.
Continued Profitability
Grupo Supervielle delivered an ROE of 15.7% for the year, in line with their target, and achieved a net interest margin of 25%.
Lowlights
Increased Non-Performing Loan Ratio
The non-performing loan ratio increased slightly to 1.3%, which is still within historically low levels but indicates a minor rise.
Decline in Peso Deposits
Deposits declined 6% year-on-year, reflecting a sharp drop in industry peso deposits in the first quarter of 2024.
Challenges in Maintaining Margins
Net interest margin expected to decrease to a range of 18% to 20% in 2025 due to lower inflation and interest rate levels.
Company Guidance
During Grupo Supervielle's Fourth Quarter and Year End 2024 Earnings Call, the company provided comprehensive guidance for 2025. They expect a loan portfolio expansion of over 60% in real terms, aiming for retail loans to account for 50% of total loans, up from 40% at the end of 2023. Deposits are anticipated to grow by approximately 40%, with a focus on U.S. dollar deposits. The bank's net interest margin is projected to adjust to between 18% and 20%, while maintaining a strong Tier 1 capital ratio of 12% to 13% by year-end. The non-performing loan ratio is expected to converge to normalized levels of 2% to 2.2%. Grupo Supervielle also plans to drive net fee income growth above 10% and maintain a disciplined approach to cost management, targeting real-term expense reductions. Profitability is set to improve progressively, with a targeted annual return on equity of 12% to 15%. The company remains committed to leveraging its digital transformation, expanding its loan portfolio, and enhancing asset quality to drive sustainable growth and profitability.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.