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Grupo Supervielle SA (SUPV)
NYSE:SUPV
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Grupo Supervielle SA
(NYSE:SUPV)
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Rating:74Outperform
Price Target:
$12.50
▲(103.25% Upside)
Grupo Supervielle SA's overall stock score reflects strong financial performance and moderate technical indicators. However, valuation concerns and mixed earnings call sentiment, with significant net losses and asset quality challenges, weigh on the score. The company's strategic initiatives and positive political outlook offer potential upside.
Grupo Supervielle SA (SUPV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.16B
Dividend Yield1.57%
Average Volume (3M)3.63M
Price to Earnings (P/E)61.5
Beta (1Y)0.93
Revenue Growth-50.96%
EPS Growth-89.23%
CountryUS
Employees3,456
SectorN/A
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.14
Shares Outstanding78,996,826
10 Day Avg. Volume4,612,422
30 Day Avg. Volume3,625,266
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)1.72
Price to Sales (P/S)0.67
P/FCF Ratio2.97
Enterprise Value/Market Cap0.40
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$12.00Price Target Upside95.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Grupo Supervielle SA Business Overview & Revenue Model
Company DescriptionGrupo Supervielle SA is a leading financial services group based in Argentina, primarily engaged in the banking and financial sectors. The company operates various subsidiaries that offer a comprehensive range of services including commercial banking, retail banking, and asset management. Its core products encompass loans, savings accounts, credit cards, and investment services, catering to both individual and corporate clients. Grupo Supervielle is focused on providing innovative financial solutions and enhancing customer experience through technology-driven platforms.
How the Company Makes MoneyGrupo Supervielle generates revenue through multiple key streams. The primary source of income is interest income from loans provided to customers, which includes personal, auto, and mortgage loans. Additionally, the company earns fees from various banking services such as transaction fees, account maintenance fees, and credit card fees. Investment services and asset management also contribute to revenue through advisory fees and management fees. Strategic partnerships with fintech companies and other financial institutions enhance its service offerings and customer reach, further bolstering its earnings. The company's focus on digital banking solutions allows it to tap into the growing demand for online financial services, increasing its market share and overall profitability.
Grupo Supervielle SA Earnings Call Summary
Earnings Call Date:Nov 25, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Mar 10, 2026
Earnings Call Sentiment Neutral
The earnings call highlighted strong loan and deposit growth, along with a positive political outlook post-elections. However, these were offset by significant net losses, margin compression, and asset quality challenges. The overall sentiment is mixed, with both positive strategic initiatives and concerning financial metrics.Q3-2025 Updates
Positive Updates
Strong Loan and Deposit Growth
Loan growth remains solid, up 8% in real terms, slightly ahead of the system, and deposit growth was strong, up 15% quarter-on-quarter in real terms and over 40% year-on-year. Dollar deposits climbed to another record high, up 31% sequentially.
Positive Political and Economic Outlook
Post-election confidence is improving in Argentina, with interest rates declining sharply and monetary conditions slowly easing, indicating early signs of stabilization.
Strategic Initiatives Gaining Traction
The company's SuperApp is scaling, enhancing customer engagement, and expanding cross-sell opportunities, particularly at Yole with strong volume and fee growth.
Negative Updates
Significant Net Loss
The company recorded a net loss of ARS 50.3 billion in the third quarter of 2025, impacted by systemic pressures and a very tight monetary policy.
Margin Compression
Net financial income declined by 43% sequentially due to high interest rates and regulatory headwinds, with peso NIM declining to 11.7% and total NIM falling to 10.8%.
Asset Quality Challenges
Asset quality weakened with the NPL ratio rising to 3.9%, driven by the retail segment. The company expects NPLs to peak in the fourth quarter.
Company Guidance
During Grupo Supervielle's Third Quarter 2025 Earnings Call, the company provided guidance for the upcoming financial year, projecting real loan growth between 35% and 40%, led predominantly by corporate lending, while retail growth is expected to gradually resume as disposable income improves. Deposits are anticipated to grow by 30% to 35%, with further increases in U.S. dollar-denominated balances. Asset quality is expected to remain challenged, with a non-performing loan (NPL) ratio forecasted between 4.7% and 5.1%, and a net cost of risk projected at 5.8% to 6.3%. The company anticipates net interest margin (NIM) to range between 15% and 18%, impacted by high interest rates and reserve requirements. Additionally, net fee income is expected to grow by 5% in real terms, while operating expenses are projected to decline by 8% to 10%. The full-year return on equity (ROE) is expected to range between negative 5% and 0%, and the Common Equity Tier 1 (CET1) ratio is anticipated to be between 12.5% and 13.5% by year-end. The company plans to provide a preliminary outlook for 2026 early next year, once there is greater clarity on reserve requirements, liquidity conditions, and the broader macroeconomic framework.Grupo Supervielle SA Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
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Grupo Supervielle SA Technical Analysis
Positive
6.15
Price Trends
10.12
Positive
8.85
Positive
10.82
Positive
Market Momentum
0.37
Negative
60.06
Neutral
70.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SUPV, the sentiment is Positive. The current price of 6.15 is below the 20-day moving average (MA) of 10.97, below the 50-day MA of 10.12, and below the 200-day MA of 10.82, indicating a bullish trend. The MACD of 0.37 indicates Negative momentum. The RSI at 60.06 is Neutral, neither overbought nor oversold. The STOCH value of 70.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SUPV.
Grupo Supervielle SA Peers Comparison
UnderperformOutperform
Sector (―)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | ― | ― | ― | ― | ― | ― | |
81 Outperform | $597.99M | 9.64 | 21.92% | 2.36% | 36.60% | 92.63% | |
78 Outperform | $525.01M | 15.35 | 8.49% | 3.57% | 6.86% | 6.11% | |
76 Outperform | $520.24M | 15.29 | 5.50% | 0.67% | 9.16% | 6.95% | |
74 Outperform | $1.16B | 61.46 | 2.35% | 1.57% | -50.96% | -89.23% | |
72 Outperform | $502.98M | 12.34 | 5.56% | 4.32% | 6.08% | 52.64% | |
48 Neutral | $517.20M | -3.19 | -16.22% | ― | -6.47% | -75.82% |
* Sector Average
SUPV
Grupo Supervielle SA
11.91
-3.39
-22.16%
AROW
Arrow Financial
31.93
4.38
15.90%
NFBK
Northfield Bancorp
12.03
0.76
6.74%
NRIM
Northrim Bancorp
27.07
8.09
42.62%
PGC
Peapack-Gladstone Financial
29.63
-2.67
-8.27%
FFWM
First Foundation
6.24
0.29
4.87%
Grupo Supervielle SA Corporate Events
Grupo Supervielle Announces Cancellation of Class B Treasury Shares
Nov 26, 2025
On November 25, 2025, Grupo Supervielle S.A. announced the automatic cancellation of 5,633,007 Class B treasury shares, in accordance with Article 67 of Capital Markets Law No. 26,831. This cancellation, which occurred due to the expiration of a three-year holding period, led to a reduction in the company’s share capital to Ps. 446,834,114, comprising 61,738,188 Class A shares and 385,095,926 Class B shares.
Grupo Supervielle Announces Cancellation of Class B Treasury Shares
Oct 2, 2025
On October 1, 2025, Grupo Supervielle S.A. announced the automatic cancellation of 3,782,214 Class B treasury shares, following the expiration of a three-year term since their acquisition in 2022. This cancellation, in compliance with Article 67 of Capital Markets Law No. 26,831, resulted in a reduction of the company’s share capital to Ps. 451,994,134, impacting the company’s financial structure and potentially its market positioning.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.