Grupo Supervielle SA (SUPV) AI Stock Analysis

• Market Cap: $1.04B
• Dividend Yield: 1.54%
• Average Volume (3M): 1.04M
• Price to Earnings (P/E): 55.3
• Beta (1Y): 0.87
• Revenue Growth: -50.96%
• EPS Growth: -89.23%
• Country: US
• Employees: 3,456
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 78,996,826
• 10 Day Avg. Volume: 1,125,770
• 30 Day Avg. Volume: 1,042,281
• PEG Ratio: 0.09
• Price to Book (P/B): 1.72
• Price to Sales (P/S): 0.67
• P/FCF Ratio: 2.97
• Enterprise Value/Market Cap: 0.45
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $12.92
• Price Target Upside: 20.63% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4
• EPS Forecast (FY): 1.2
• Revenue Forecast (FY): $944.32M

• Rating: 74 Outperform
• Price Target: $12.50 ▲(16.71% 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.

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 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 Financial Statement Overview

Summary

Grupo Supervielle SA exhibits strong financial health with consistent revenue growth and profitability improvement. The balance sheet reflects low leverage and effective equity usage, while cash flows are solid, supporting operational and strategic flexibility. However, the low debt ratio may limit growth opportunities.

Income Statement

Grupo Supervielle SA has shown strong revenue growth over the years, with total revenue almost doubling from 2023 to 2024. The gross profit margin remains high at 100% since revenue equals gross profit, indicating efficient cost management. The net profit margin improved significantly from 2023 to 2024, reflecting improved profitability. However, the absence of EBITDA limits some analysis of operational efficiency.

Balance Sheet

The company demonstrates a solid equity position, with an equity ratio of 18.15% in 2024. The debt-to-equity ratio is low at 0.006, indicating minimal leverage and strong financial stability. Return on equity is healthy, reflecting efficient use of equity capital. However, the banking industry typically carries higher leverage, and a low debt ratio may limit growth opportunities.

Cash Flow

Grupo Supervielle SA has displayed robust free cash flow growth and strong operating cash flow, which more than covers net income, signifying good cash generation capability. The free cash flow to net income ratio is favorable, ensuring that the company generates more cash than it reports as profit. However, fluctuations in financing cash flow signal potential variability in capital structure management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.36T	2.04T	3.02T	1.96T	793.88B	242.36B
Gross Profit	847.34B	1.16T	1.23T	859.83B	381.48B	134.68B
EBITDA	68.92B	195.12B	257.67B	10.04B	16.79B	19.35B
Net Income	-14.04B	104.49B	112.40B	-34.09B	-10.52B	10.29B
Balance Sheet
Total Assets	7.37T	4.51T	4.48T	2.17T	760.48B	376.19B
Cash, Cash Equivalents and Short-Term Investments	0.00	662.73B	553.95B	158.18B	82.66B	56.98B
Total Debt	360.21B	91.25B	8.27B	6.63B	4.71B	9.89B
Total Liabilities	6.51T	3.71T	3.74T	1.88T	660.06B	322.34B
Stockholders Equity	851.88B	797.74B	743.40B	287.32B	100.34B	53.81B
Cash Flow
Free Cash Flow	25.82B	461.47B	133.20B	539.30B	273.86B	-16.94B
Operating Cash Flow	37.36B	518.86B	157.95B	565.34B	304.33B	-9.81B
Investing Cash Flow	-37.76B	-46.24B	-18.89B	-23.53B	-28.48B	-6.57B
Financing Cash Flow	330.61B	-1.05T	-1.00T	-599.33B	-329.09B	22.28B

Grupo Supervielle SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.71
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 10.71 is below the 20-day moving average (MA) of 11.69, below the 50-day MA of 11.31, and above the 200-day MA of 10.65, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 42.32 is Neutral, neither overbought nor oversold. The STOCH value of 9.27 is Positive, 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
NRIM	81 Outperform	$639.30M	10.30	21.92%	2.31%	36.60%	92.63%
AROW	78 Outperform	$537.17M	15.71	8.49%	3.59%	6.86%	6.11%
SUPV	74 Outperform	$1.04B	55.26	2.35%	1.54%	-50.96%	-89.23%
PGC	72 Outperform	$516.38M	15.18	5.50%	0.70%	9.16%	6.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NFBK	65 Neutral	$495.04M	12.14	5.56%	4.38%	6.08%	52.64%
FFWM	48 Neutral	$516.37M	-3.18	-16.22%	―	-6.47%	-75.82%

Grupo Supervielle SA Corporate Events

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.

Grupo Supervielle Announces Cancellation of Class B Treasury Shares

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.

The most recent analyst rating on (SUPV) stock is a Buy with a $11.50 price target. To see the full list of analyst forecasts on Grupo Supervielle SA stock, see the SUPV Stock Forecast page.